Results-driven Credit & Collections Specialist with several years of experience optimizing cash flow, reducing delinquency rates, and fostering strong client relationships across diverse industries. Proficient in credit risk assessment, debt recovery strategies, and negotiation, with a strong focus on accuracy, regulatory compliance, and process improvement. Adept at balancing firm collection practices with empathetic customer service to safeguard revenue while maintaining long-term business partnerships.
Hi, I’m
Arti Catherine Jojo
Credit And Collection Specialist ,Finance
New Delhi
Summary
Overview
16
years of professional experience
2
Languages
Work History
Anand and Anand Law firm
Sr. Accounts Executive
06.2018 - Current
Job overview
- Job Responsibilities – Credit & Collections (Mid-Level Management)
- Oversee Credit Control Operations – Strong analytical and problem-solving skills, with the ability to analyse complex financial data and draw accurate conclusions
- Collections Strategy & Execution – Develop and implement effective collection strategies to achieve targeted Days Sales Outstanding (DSO) and improve cash flow.
- Team Leadership – Supervise, mentor, and train collection officers, ensuring high performance and adherence to KPIs. Provide guidance and support to junior credit analysts in their analysis and decision-making processes
- Customer Relationship Management – Maintain professional relationships with key clients to resolve disputes, negotiate payment terms, and foster long-term partnerships. Personally recover overdue balances through outbound phone calls, digital channels, and written communication, balancing firmness with cultural and regulatory sensitivity.
- Reporting & Analysis – Prepare periodic credit and collections reports, analyse trends, and recommend process improvements to senior management.
- Compliance & Documentation – Ensure all credit and collection activities comply with legal, regulatory, and internal audit requirements.
- Cross-Functional Collaboration – Work closely with sales, finance, and legal teams to align credit policies with business objectives. Escalate accounts appropriately for legal action, dispute handling, or client review when thresholds are met.
Alight Solutions (Former Aon Hewitt)
Process Developer
04.2015 - 11.2017
Job overview
- Subject Matter Expert – Provide mentoring support to colleagues.
- Direct Client Communication – Handle calibration on issues identified during evaluations.
- Process Lead Assistance – Support in work allocation and process-related data management.
- Special Auditor – Conduct compliance-level evaluations.
- TAA HM Event Evaluations – Perform evaluations on all TAA HM events.
- Client Interaction for Service Improvement – Ensure continuous engagement with the client to address concerns and improve service levels.
- Team Infoshare Sessions – Conduct information-sharing sessions for the entire HM team.
- Meeting Minutes Management – Capture and disseminate meeting minutes to participants.
- Calendar Management – Maintain and manage schedules effectively.
- Meeting Coordination – Organize and coordinate meetings, send invites with agendas.
- Presentation Management – Create or amend PowerPoint presentations.
Aon Hewitt
Process Advance
04.2013 - 03.2015
Job overview
- Quality Evaluation- Perform evaluations to ensure service standards are met.
- Ensure accuracy of all TAA HM events (e.g., New Hire, Birth/Adoption, Marriage, Divorce/Legal Separation, Participant Initiated Status Change, Termination, Address Change, Dependent Age Attainment, COBRA Commencement).
- Regular interaction- Maintain regular communication with onshore team for effective client management and to achieve high-level customer satisfaction. Ensuring continuous interaction with the client to make sure that areas of concern can be worked upon for improved service levels.
- Special/Focused evaluation - Performing focused evaluation.
- Buddy -up- Monitoring newer colleagues and helping peers.
Aon Hewitt
Team Member
02.2010 - 03.2013
Job overview
- Evaluations Delivery & Quality Standards
- Delivered evaluations meeting required quality standards, effectively solving and raising concerns/issues for more than 100 different clients.
- Process Updates & Training
- Conducted in-house sessions on process updates and delivered process training to team members for improved efficiency.
- Client Communication & Relationship Management
- Initiated client calls to discuss issues, concerns, improvement areas, and to acknowledge and discuss good work.
- Ensuring the system setup as per the client specifications is running smoothly
- - Monitor and verify that the system configuration matches client requirements.
- -Ensure smooth and uninterrupted operation of the setup.
- Report variations in system/processing to the client teams to fix the issues and ensure repeatability does not occur
- -Identify and document any deviations in system performance or processing.
- -Communicate issues promptly to client teams for resolution.
- -Implement preventive measures to avoid recurrence.
Education
Delhi UniversityNew Delhi
Bachelor of Arts from Industrial Relation & Personnel Management
01.2008
University Overview
Holy Child Auxilium SchoolNew Delhi
High School
01.2004
University Overview
C.B.S.E.
Skills
Customer credit evaluation
Interests
Music, Travelling, Exploring new cuisine (cooking)
Extra- Curricular Activities
Extra- Curricular Activities
Volunteered Organisational event: Family Day at Aon Hewitt. Buddy up session- with new hires on board. Visited NGOs. Organized Birthday and Farewell gathering in business unit.Affiliations
Affiliations
- LEAN SESSION( 2013): Session conducted by organisation for generating ideas.
- The session involved following trainings:
- Customer handling skills
- Group discussion
- Public Speaking
- Power point presentation- Do's and Don'ts
- Extempore speaking
Awards & Honors
Awards & Honors
IMPROMPTU AWARD: Received twice in 2010 and 2013 at Aon Hewitt., LEANOVATION AWARD: Best leanovation award received twice in 2010 at Aon Hewitt., GOLD AWARD(2015): For displaying exemplary performance, rising above and beyond to deliver business results with excellence at Aon Hewitt., PLATINUM TEAM AWARD(2017): For best team. Ownership & Accountability to deliver distinctive client value at Aon Hewitt., Top performer for collections (year-2021)Declaration
Declaration
I, Arti Catherine Jojo, hereby declare that the information contained herein is true and correct to the best of my knowledge and belief. Arti Catherine Jojo New DelhiTimeline
Sr. Accounts Executive
Anand and Anand Law firm
06.2018 - Current
Process Developer
Alight Solutions (Former Aon Hewitt)
04.2015 - 11.2017
Process Advance
Aon Hewitt
04.2013 - 03.2015
Team Member
Aon Hewitt
02.2010 - 03.2013
Holy Child Auxilium School
High School
Delhi University
Bachelor of Arts from Industrial Relation & Personnel Management