سجاد على

• Credit monitoring responsibility for the regional watch-list portfolio of small and medium corporate clients, ensuring financial risks are identified, assessed and appropriately mitigated.
• Perform credit risk assessments on customer accounts, monitoring excesses, expired limits, past-dues and delinquency rates using risk control data, to identify and manage weaker transactions that require greater supervision.
• Identify and assess early warning risk triggers, liaising with Branch managers & Sales executives to formulate recommendations and strategies for the forbearance/restructuring of debt.
• Challenge, recommend and approve credit requests for new and existing corporate transactions.
• Coordinate and lead the implementation of the Bank's Corporate Risk Monitoring framework
• Recommending default customers to Lawyer/ Debt Collector for ensuring the lost money.
• Return Chq customers, as per our credit policy I proceed such cases to Police station for filing case against the company and put travel ban on the owner.
• Updating records on every step of case running in the different courts of the Emirates.

• Managing all aspects of the credit control function of six branches across the UAE of almost 1, 500 credit customers.
• Ensuring that processes are in place to set and regularly review credit terms and limits. Hold or release of orders against these limits as required.
• Overseeing the allocation of receipts.
• Ensuring that the sales invoicing process and the necessary assistance to the Accounts Assistant at month end or other times of peak workload to ensure prompt and accurate customer invoicing.
• Anticipating and actioning issues that may impede payment.
• Liaising with legal advisers/ PRO to ensure successful resolution of return cheque customers.
• Weekly reporting to the management and preparing weekly debtors reports.
• Identifying and resolving customer queries and issues and further developing team members’ skills in this area.
• Ongoing improvement of processes to enhance quality and efficiency of invoice to cash cycle.
• Setting targets and provisions to ensure debt is collected on time.
• Ensuring company credit control policy is adhered to at all times and assisting with its further development.
• Building and maintaining strong relationships with clients and sales team and coaching the team on the same.

• Managing the credit operations of the department whilst handling a team of 3 subordinates ensuring an efficient, smooth and profitable operation.
• Determined risk involved in lending to contractor and retail customers by conducting a review of the financial status, credit history and geographic locations.
• Strongly in communication with more than 200 contractors and retailers.
• I ensure to achieve monthly credit collection (3-4 aed Million) at its best credit of terms to smoothly run operational expenses.
• Assessing and recommending credit for existing and new customers.
• Liaising with Sales and Project Coordination department to ensure compliance with Company’s credit policy.
• Identify process improvements on proactive basis without sacrificing quality and service.
• Monitoring of overdue status and immediate remedial steps.
• Regular communication with customers through personal visits, telephone, letter and emails.
• Handle disputed bills and negotiate to bring them for the payment within due time.
• Undertake SOA on monthly basis to reconcile the accounts and propose write off allocation to irrevocable debts.

• Managing team of 3 persons who are working with me as an Receivable clerk.
• Follow-up with the customers on the phone, personal visits, emails for payment.
• Ensuring all debts to receive from the customers on time.
• Detailing and negotiating with the customers on the disputed invoices.
• Highlighting weak receivable customers to the line manager and modifying/ withdrawing their credit facility.
• Handle Customers complaints in invoicing or delivery problem

Entering Specific Information into the Software
Reporting Back to Manager
Preparation of Productivity Report
Processes the stock requisitions received from various projects and cost centre’s and check availability of requisite items in stores / Warehouses.
Initiate the purchase requisitions and send to concern person in Head Office for approval.
Reconcile invoice / delivery challans with stock requisition, purchase request and purchase orders.
Physical checking of items received as per invoice and purchase orders.
Identify Discrepancies report and then resolve them.
Key all store information in provided inventory database / software including GRNs and GTNs.
Handle inventory software / database at warehouse level.
Keep inform Islamabad office concerning person for all queries and discrepancies relating to equipments and inventories.
Oversee work of store keepers, ensure the proper record keeping of all in-outs in stores registers and bin cards and ensure items placed in stores are properly stacked with clear location.
Ensure that stores are maintained properly and materials are kept in good working condition; ensure repair and maintenance as necessary.
Weekly meeting with the store keepers about inventory, there location and management of store.
Quarterly report of all scraps material.
Ensure and coordinate period physical inventory count and reconcile with the closing balances to remove from discrepancies and send report to Islamabad office.
Facilitate the physical verification of stores items.
Response emails,  scan and type letters, memos, faxes and other documents related to the equipment department.

1-Managing Workflow
2-Meeting Deadlines
3-Maintaining Productivity
4-Reporting Team Lead in sales department.
5-Responsible for managing clientele list.
6-Other Administrative tasks.