Raji Lajami

Planned and orchestrated all aspects of credit operations and collection to meet targets for a renowned company valued at more than 3 billion. Governed the company’s accounts receivable portfolio to ensure timely collection and minimal risk, including monitoring maximum credit limit and managing special credit arrangements and deviations from terms of payment. Supervised and tracked premium allocation, statement runs, credit notes, and write-offs and remained up-to-date on all relevant documentation. Directed all collection, legal, and bankruptcy accounts and assisted with legal matters, such as trials, mediations, small claims amounts, post-trial execution, and bankruptcy. Scheduled and hosted monthly meetings with CFO for ageing review and provision analysis.

Superintended all aspects of a valuable customer credit portfolio, covering customer financial risk analysis and asset management, with a focus on minimising risk exposure, reducing bad debt losses, and elevating receivable turnover. Accurately reviewed and analysed credit applications/information to determine each customer’s risk class and credit limit. Leveraged credit management expertise to lead in-depth investigations into the customers’ credit risk and make recommendations on credit applications. Established clear and fair terms and conditions of the receivable and payable balances. Meticulously prepared LCS for local and international customers. Assisted with the preparation of VAT requirements.

Strategized and led all aspects of operations across the credit and collection and account receivable departments to achieve collection targets, minimise bad debt, and maximise revenue. Empowered a high-calibre team of credit control executives to deliver all credit control and debt management activities. Steered day-to-day accounts receivable duties, including collections, invoices, and delivery. Regularly engaged with the sales team to align monthly collection target with the sales target. Accurately conducted accounting and ageing analysis of interconnection receivable. Led and inspired a dynamic team of collectors to meet goals and handle legal cases. Monitored billing systems to ensure that customers received bills on time and reported on any deviations within the monthly bill cycles.
• Substantially reduced DSO to 48 days and bad debts to less than 1% through effective credit management.
• Maximised efficiency, revenue, and collection value by re-engineering procedures and policies.
• Elevated productivity, efficiency, and capacity by monitoring team performance and daily progress, as well as recommending professional development opportunities.
• Guaranteed that the Roaming DSO remained below 45 days by creating roaming debtors ageing reports and engaging with the Roaming Partners to collect outstanding dues in a punctual manner.
• Boosted the timeliness of payments by evaluating and recommending alternative payment methods for customers.
• Liaised with the management team to report on outstanding issues, communicate potential debtors’ problems early, and recommend potential solutions and legal action, when required.

a business plan and sales strategy for the market that ensures attainment of
company sales goals and profitability..
•Responsible for the performance and development of the Account Executives.
•Prepares action plans by individuals as well as by team for effective search of sales
leads and prospects•
•Establishes sales objectives by forecasting and developing annual sales quotas for
regions and territories; which enable the achievement of Company objectives.
•Maintains accurate records of all pricing, sales, and activity reports submitted by Account
Executives.
•Recruits, tests, and hires Account Executives based on criteria agreed upon by senior

Saudi Arabia - Eastern Province
1) Resolve customer complaints regarding sales and service.
2) Monitor customer preferences to determine focus of sales efforts.3) Direct and
coordinate activities.
3) Recruits, tests, and hires Account Executives based on criteria agreed upon by senior
management.
4) Maintains accurate records of all pricings, sales, and activity reports submitted by
Account Executives.
5) Plan and direct staffing, training, and performance evaluations to develop and control
sales and service programs.

Prepare investment portfolio which comes with client desire and need.
• Assist and advice clients concerning their insurance investment programs.