Mohammad Imran Md Abdus salam

Developed and drive regional credit control strategies aligned with corporate financial goals across the Middle
East and South Asia.
• Recognized for outstanding performance.
• Drafted and implemented Credit Control & Collection Policies and standarized operating checklists to ensure
consistency and compliance.
• Successfully recovered AED 5 million in overdue receivables aged over 720 days.
• Analyze aging reports, reduced Days Sales Outstanding (DSO), bad debt provisions, and cash flow to optimize
collection performance.
• Assess creditworthiness of clients and recommend credit limits and terms based on financial analysis and
risk assessment.
• Ensure accurate and timely invoicing; monitor receivables and follow up proactively on overdue payments.
• Lead collection efforts by coordinating with client finance teams and resolving disputes to accelerate payment
cycles.
• Reconcile customer accounts and resolve billing discrepancies to maintain financial accuracy.
• Maintain strong client relationships through consistent communication regarding account status and payment
timelines.
• Identify credit risks and implement mitigation measures including credit holds and escalation protocols.
• Ensure full compliance with internal policies and external regulatory requirements.
• Manage and mentor credit control teams across MESA; provide training, coaching, and performance oversight.
• Collaborate with finance and sales teams to align on credit terms, customer onboarding, and account
maintenance.
• Communicate with project teams to track Work in Progress (WIP) and ensure it aligns with billing and
collection cycles.
• Place special focus on recovering back-to-back and retention payments on time.

• Appreciation received for making an outstanding contribution to the company
• Successfully recovered of AED 18 Million old dues amicably
• Achieved monthly collection targets across the UK & GULF Countries
• Organized the credit & collection department; designed and implemented credit application
• Recovered the payments against bounced cheques
• Reduced bad debts, minimized the risk and reduced legal cost
• Successfully corrected in accounts allocation
• Contributed in designing & enforcing a new credit policy

Successfully recovered AED 80 Million old debts (360-720) through follow-ups & meetings
Awarded with “Best Performance of the Year”
Restructured the credit and collection process with successful implementation of the credit policy and formulating clear performance metrics for collection
Instrumnetal in offering confirmation on whether or not to offer credit to the debtors
Played pivotal role in assessing the risk on new accounts by way of the credit information provided/reading financial accounts and monitoring all the stages of arranging credit facilities, payments and debt recovery
Instrumental in approving sales order & credit notes; handled bounced cheques- follow ups/ police and legal cases
Managed to collect payment certificates and ensured to recover regular and retention payments on time
Interfaced & visited with customer’s on regular basis for AR related tasks
Significantly recovered bank guarantees, led reconciliations of customers’ accounts on regular basis and negotiated with customer for payment plan
Networked with multiple departments to address and correct billing errors, ensured invoices correctly aligned with customer purchase orders for billing and collections purposes
Effectively created & maintained customer files with signed credit applications for all credit, collection, legal, and handled client relations
Ensured the delivery of service reports, handing over certificate etc. on time, liaised with internal staff for resolution of issues in a timely manner
Provided assistance on bank reconciliation and corrected long-standing issues with aged receivables and collections
Reduced past due balances and bad debt by coordinating collection efforts with Sales and Billing Departments to quickly resolve disputes and advance payments
Significantly reduced bad debt exposure and days sales outstanding in alignment with company goals
Identified & reported on all negative events and early signals of potentially problematic accounts / relationships

Conducted regular follow-ups & meetings; recovered SAR 8.5 Million old debts (720 days)
• Modernized & organized the Credit Control Department and achieved the collection target
• Approved the sales order; processed credit note / write off request/ Reconciled accounts; coordinated with
the Accountants of Branch offices-Riyadh-Khobar-Al Qaseem-Madina, Jiddah & Makkah for the daily
sales and collections
• Arranged transferred receipts providing to clients; forwards balance confirmation
• Addressed & resolved SOA / Invoicing & service issues; took legal actions against bad debtors

Reduced overdue instances in key accounts by AED 7.5 Million old debts (360-720 days); reduced the legal cost
Evaluated over / underpayment; initiated return of overpayments and issuing letter requests / inquiries to customers with underpayments or those with unauthorized deductions; took legal action against bad debtors
Analyzed customer account details for non-payments, delayed payments and other irregularities; managed customer account reconciliations in order to deliver accurate financial statements for the customer
Proficient in releasing sales order, following up with insurance for credit approval, offering confirmation on whether to offer credit to the debtors
Effectively interfaced with customer on collection matters and resolution dispute

• Monitored collections processes, set up new processes for improving collections time and
identified strengths & weaknesses of portfolio and business processes across UK & Gulf
countries.
• Implemented result-oriented recovery plans to manage delinquency within pre-set norms for achieving
organisational objectives and ensuring profitability
• Set out quality standards for various operational areas and ensured a high-quality customer experience while
adhering to SLAs & work processes
• Assessed the credit worthness on new and existing customers by way of the credit information provided/reading
financial accounts and monitored all the stages of arranging credit facilities, payments and debt recovery
• Managed and control credit exposure
• Offered confirmation on whether or not to offer credit to the debtors
• Attended weekly credit control meetings with assigned partners, including review of AR lock-up and outstanding
debt, agreeing chase actions and next steps inline with agreed AR monthly targets
• Ensured that all the invoices to be generated & delivered on time
• Analyzed the issues due to which the payments are getting delayed
• Initiated legal action against defaulters/bounced cheques
• Interacted & visited the customers on regular basis for AR related tasks (Payments, bounced cheques issues
and checked their premises and business)
• Conducted credit checks and approved sales orders on daily basis; handled bounced cheques- follow
ups/ police cases and legal cases
• Issued customer sales adjustments according to business standards / agreements and validated that adjustments
meet internal control compliance by insuring that legal, financial and auditing requirements are met
• Mapped payment term agreements of our customers, analyzed customer payment behavior against those
terms and recommended to the business and extension / modification to the terms to optimize cash flow
• Responsible for reducing credit risk and accounts receivable delinquency
• Generated statements and running age debt reports; prepared Forecast & Collection Report
• Ensured maintenance of up-to-date billing & payment receipts system for transactions; ensured achievement
of monthly and annual collection target by motivating the team
• Supported internal and external auditor activities by facilitating audit reviews, providing documents
• Regularly coordinated with Sales team (Project, Retail & trade) for the collection of overdue / long outstanding
accounts
• Negotiated repayment plans, provided Bank guarantees against AP/PB
• Proactively managed and collected debts in a timely manner
• Analyzed customer account details for non-payments and other irregularities; managed customer account
reconciliations in order to deliver accurate financial statements for the customer
• Reviewed the validity of the legal documents such as contract, trade license, ID, Passport copy and VAT
certificates and arranged to requesting for the renewed documents when they expire
• Arranged to sent balance confirmation
• Blocked default customers in the system; resolved customer queries, complaint and issues promptly
• Handled Post Dated Cheques and ensuring their timely realization; adjusted payment received on account,
Monitored the cash application and unapplied receipts
• Led trade and bank reference checks, arranged to collect payment certificate from clients/consultants
• Ensured recovery of bank guarantees, negotiated with customer for credit terms/advance payments
• Rigorously followed up with clients having back to back contract and retention payments