Biju Nattayikkal

• Spearheaded management of Trade Receivables across GCC, US, and various Export markets, ensuring seamless oversight of all related functions.
• Delivered in-depth receivable reports for 6 entities, providing insightful analysis and aging summaries to support decision-making.
• Proactively monitored working capital and accounts receivable balances, identifying potential risks and implementing early recovery actions to effectively reduce DSO.
• Developed and executed a streamlined Credit Policy, enhancing operational efficiency and risk management.
• Formulated and recommended strategies for transitioning into the role of Credit Controller and Accounts Receivable, aligning with organizational goals.

• Oversaw debtors and collection activities across UAE and export markets, ensuring timely payments and minimizing delinquency.
• Assessed new customer accounts, delivering strategic credit facility recommendations to enhance financial stability.
• Led a dedicated Credit Department of three, fostering teamwork and efficiency while reporting directly to the Financial Controller.
• Controlled selling expenses meticulously, managing debit/credit memos, marketing costs, promotions, discounts, and rebates, while performing in-depth customer profitability analyses.
• Streamlined monthly reporting processes to enhance financial accuracy and decision-making.

• Effectively managed receivables across diverse customers throughout the UAE, ensuring timely collections.
• Proactively monitored the aging of overdue receivables, implementing successful liquidation strategies that improved cash flow.
• Conducted comprehensive credit risk analysis, assessing both new and existing customers to mitigate financial exposure.
• Executed due diligence checks and strategically approved credit limits for potential customers, enhancing credit management.
• Supervised sales orders, ensuring prompt release of deliveries upon thorough payment verification, boosting customer satisfaction.
• Oversaw the dispatch of invoices and meticulously reconciled them, maintaining accurate financial records and reducing discrepancies.

• Successfully reconciled debtor accounts to enhance financial accuracy and reduce discrepancies.
• Diligently allocated payments based on customer remittance advices, ensuring timely collection.
• Developed and implemented Collection Schedules, providing timely updates to the Finance Department.
• Analyzed and reviewed daily Collection Reports to identify trends and optimize collection strategies.
• Efficiently managed checks, cash payments, invoice processing, and receivable accounting to streamline operations.
• Monitored check clearance processes to ensure prompt payment resolution and minimize delays.
• Contributed to a more effective credit control environment, supporting overall financial health.

• Organized daily operational tasks, ensuring efficient distribution of responsibilities among team members to enhance productivity.
• Coordinated effectively with client administrators, fostering strong communication and collaboration.
• Ensured timely deliveries in alignment with Service Level Agreements, maintaining high client satisfaction.
• Prepared comprehensive daily and monthly reports for client submission, showcasing operational performance and insights.
• Conducted training sessions for team members, enhancing their skills and knowledge in operational processes.
• Developed a keen understanding of financial processes, paving the way for a transition into the role of Credit Controller and Accounts Receivable.