Mohammad Imran

Awarded for an “Outstanding Performance”
Successfully recovered of AED 32 Million old dues amicably
Achieved monthly collection targets for the UAE,KSA, Kuwait,Oman,Turkey & Egypt
Risk controlled and achieved zero bad debts till date
Sucessfully recovered the payments against bounced cheques
Established the credit control department
Conducting credit evalaution on new and existing customers to assess their creditworthiness and set appropriate credit limit.
Reviewed LC & negotiated for payment terms,arranged to prepared bill of exchange,regularly checked with bank for discrepancy & maturity date.
Managing to apply credit insurance,followed up for claims,submitting overdue report to insurance
Negotiating re-payment plans and settlements with debtors, including fixing terms and conditions incase where a customer stops paying or pays late then taking prescribed procedure to start legal action to collect the money owed
Regularly coordinating with Sales & Collection teams for the collection of overdue / long outstanding accounts,
Managing full end-to-end responsibilities for all credit & collections activities
Ensuring timely collections and implementing credit & collections policies.
Cunducting regular follow ups with debtors via email, telephone calls, reminder letters or visits regarding outstanding invoices.
Approving/rejecting the sales orders on a daily basis in accordance with the credit policy.
Ensuring that all the invoices,statement of account to be generated & delivered on time
Developing and motivating team members by shaping, training and coaching them inorder to make them productive and solve daily challenges, achieve company’s targets ( KPI) as well as perform at their best.
Helping team grow / Learning new skills
Implemented credit application, credit evaluation report ,check list,case study,site survey report,credit control & collection policy for Zoomlion-MENA
Projected Competitor Analysis report,built relationship with number of banks
Built relationship with Dubai chamber of commerce,Law firm and collection agencies
Implemented and added the program in the ERP System
Improved down payment, LC,PDC and reduced DSO
Successfully corrected in accounts allocation
Obtaining credit bureau reports for new customers and set or recommend for credit limits based on the credit risk evaluation
Continuously reviewing the Customers Credit Limits and payment terms and proposes a revision, where necessary,reviewing and processing exception request as per company’s policy
Reconciliation of the customer account in order to deliver accurate financial statements
Optimized company sales and reduced bad debts, minimized the risk and reduced legal cost
Handling disputed Invoices & legal cases
Offering confirmation on whether or not to offer credit to the debtors
Proactively and promptly dealing with and resolving client queries or complaints
Ensuring to submit the promissory note on time for KSA
Monitor closely the receivable accounts and take proper action in case of pending balances by returning invoices or transferring clients to doubtful.
Identify and mitigate risks on outstanding debts with potential default associated with debtors and proactively communicating/escalating to Management to mitigate such risks.
Reviewing draft of the contract and negotiating on terms and conditions
Helping to meet the standards of both the internal and external audit processes.
Approval of the products release for credit held and remedying at risk orders
Monitoring and ensuring cheques are deposited to the bank ontime
Focus on the overdue with special attention,ensuring action plans are in place to reduce it.
Attend and participate in meeting with multiple stakeholders to build relationship with stakeholders .
Preparing and presenting various reports (Daily, weekly, monthly,Quartly & Annually) for management’s review.
Monitoring credit exposures and identifying potential problem accounts, taking appropriate action to minimize the credit risk
Establishing and maintaining long-term partnership with banks and other financing institutions·
Managing to prepare credit reports about the degree of risk
Managing to reviewing and verifying the validity of the legal documents such as contract,vehicle registered report, trade license,VAT certificates, visa, ID , Passport copy and requesting for the renewed documents when they expire
Implementing result-oriented recovery plans to manage delinquency within pre-set norms for achieving organizational objectives and ensuring profitability
Recording data on Excel and running age debt reports; Managing Forecast & Collection Report
Identifying opportunities and drive continuous improvements in processes, systems and structure

Successfully recovered AED 80 Million old debts (360-720) through follow-ups & meetings
Awarded for an “Outstanding Performance”
Restructured the credit and collection process with successful implementation of the credit policy and formulating clear performance metrics for collection
Instrumental 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

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

Rewarded as “Star Performer”
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