Vishal Panchal

Analyzed financial statements against forecasts to
prepare high-level variance analysis.
Monitored around 175 accounts for signs of fraud
and non-payment issues.
Obtained and reviewed credit reports, credit
references, credit insurance and financial
statements to establish credit limits for new
accounts.
Collaborated with management to evaluate credit
strategies and develop improvements.
Developed strategies to expedite payments and
customer resolutions.
Provided Monthly & Quarterly training and consulted
with struggling teams to help meet monthly target
goals.
Streamlined processes for early identification of
potential credit system and monitoring problems.
Compiled data critical to analysis of annual bad
debt.
Negotiated settlements and payment terms with
customers and delivered customized payment
plans.
Investigated and evaluated customers for
creditworthiness and potential risk factors.
Recognized across organization for diligence,
accuracy and contributions toward maintaining
positive cash position through problem resolution.
Reduced past due balances and bad debt by
coordinating collection efforts with customer
service, sales and billing departments.
Work cross-functionally with sales, management and
other departments to maintain effective operations.
Performed semi-annual account credit limit reviews
and credit increase review requests from financial
service and sales teams.
Attended ongoing professional training to facilitate
accurate and productive credit management.
Collected data and performed trend and variance
analysis to mitigate risk arising from bad debt.
Reported key performance indicators to department
heads for management of positive cash flow and to
adjust credit risk policies and procedures.
Devised collection recovery strategies to resolve
customer issues and delinquent cases.

Managed team of 25 Customer Care
Representatives
Maintained agreed Service Level Agreement
Maintained agreed ACHT (Average Call Handling
Time) & ATT(Average Talk Time)
Timely provided Weekly, Monthly & Yearly
performance reports to Leadership Team

Generate Leads for Prospect clients
Performed Market Research Survey for Fortune 500
companies
Performed Cold Calling for Verification and
Confirmations