Mohsin Kamal

Mohsin Kamal Credit Controller & Analyst Summary A self-motivated professional with more than 10 year of success in credit control, accounts receivable, customer support and analysis. Result-oriented, enthusiastic, team player and hardworking individual with proficient experience of developing, implementing and maintaining effective and professional credit control systems. Accomplished at streamlining Policies, deploying reengineering methodologies with assertiveness, sense of urgency and ability to "think out of the box". Known for integrity, dedication, strategic implementation and adaptable visionary leadership. Skills Professional Skills IT Skills Credit Control | Accounts Receivable | Credit Analysis | Collection| Forecasts| Reconcile Training | DSO | Recovery Risk Management | Customer Focused Advanced MS Excel Pivot | Power Point Outlook | MS Word SAP | Oracle | SUN | ERP |MS Office Languages Known English | Hindi | Bengali | Urdu Experience THYSSENKRUPP ELEVATORS Credit Controller Jan 2016 – Feb 2019 Thyssenkrupp is a multinational company based in Germany. ThyssenKrupp Elevator is one of the world's leading elevator companies. It has more than 2000 employees in India working across 27 branches and 70 service response center.  Headed Regional Credit Control activities for 5 nos of branches by setting monthly targets as well as implementing various payment follow-up measures across the region.  Reduced bad debt by 20% in 8 months through involving internal stakeholders and directly handled critical clients and making physical visits for negotiation whenever required.  Designed and implemented weekly follow up tracker for monitoring and accounting collection & dunning process to further review the dashboard with finance, branch managers and business heads on weekly basis.  Initiated and developed quarterly balance confirmation process followed by account reconciliation to maintain the healthy business and customer retention.  Improved the Credit Appraisal process improvement through data analytics and establishment of Credit Limit as per Credit Policy to reduce the potential risks of delinquency and accrued debts. SGS INDIA PVT LTD Asst. Manager – Credit Control & Analysis Mar 2012 – Jan 2016 SGS is the world’s leading inspection, verification, testing and certification company. Joined SGS India as Executive – Credit Control in Mar‘ 12 then promoted to Sr. Executive – Credit Control in Jan’ 14 and again promoted to Asst. Manager in Jan’ 15.  Led Credit Control team for Environmental line of business unit having 2,000+ customers and Accounts Receivable portfolio of more than INR 200 million under 6 nos of branches across country.  Developed tracker for Unbilled Revenue and Work in Progress (WIP) to ensure accurate invoicing as per order and dispatch of the invoices and service report to maintain payment realization within due date.  Established regular overdue review and collaboration matrix involving sales, key accounts, operation, technical and legal team to eliminate the credit risk raised and tackle delinquency more efficiently in compliance to credit policy.  Analyzed credit data, balance sheet and other information of companies and prepared reports about the degree of associated risk after comparing liquidity, profitability, and credit histories before establishment of credit terms.  Assisted in statutory annual audit and worked with Group appointed auditors on all relevant concerns. INSPECTORATE GRIFFITH Executive – Credit Control May 2008 - Mar 2012 Inspectorate is a multinational company dealing in Commodity Inspection in the sectors like Agriculture, Coal, Steel, Minerals, and Oil & Gas. It is a Bureau Veritas Group of company and have presence in more than 140 countries.  Performed Credit Control activities for outstanding of B2B customers in assigned territory. Made rigorous follow-up actions through heavy volume of collection calls, reminder emails sent to customers on regular basis followed by travel to customer’s concern office.  Reduced Bad Debt exposure and kept within budget target range by resolving disputes through understanding root cause and escalating the issues to concern stakeholders in disciplined manner.  As an experienced credit controller, regularly reconciled and timely confirmed closing balance with customers for risk mitigation and minimise the delinquency.  Analyzed MIS & delinquency data regularly to forecast the cash flow and made strategic actions to reduce the delinquency. ICICI BANK LTD Collection Supervisor Feb 2007 - Apr 2008 ICICI Bank is an Indian multinational bank & financial services company. It is the second largest bank in India by assets and third largest by market capitalization. ICICI Bank has a network of 4,050 branches in India, and presence in 17 countries.  Supervised team of 5 collection officers of ICICI Bank for Personal Loans portfolio in Bucket 2 consisting customer base of more than 500 every month.  Consistently applied various collections procedures and techniques including communication, field visits, team review meetings & regular training of staffs to improve efficiency and team performance.  Negotiated with seriously delinquent customers over phone and also made physical visit whenever required to recover payments to minimize losses. IBM DAKSH Specialist – Customer Support Mar 2006 - Dec 2006 Started career as Specialist Customer Support at one of the largest & leading Business Process Outsourcing provider. Job KPI at IBM shared services was handling customer’s queries by assertively responding, resolving and escalating their problems to concern authority. Education Calcutta University Bachelor’s in Science Graduated in 2005 Customer Analytics certified from Wharton authorized by University of Pennsylvania in Aug 2016.