Sachin Joshi
Secundrabad
Summary
Senior Credit Controller with a strong focus on productivity and efficient task execution. Expertise in risk assessment, credit policy formulation, and financial reporting, leading to streamlined operations and reduced delinquencies. Proven skills in negotiation, problem-solving, and communication, contributing to effective financial management and enhanced customer satisfaction.
Overview
13
13
years of professional experience
Work History
Senior Expert Credit Control
DSM Frimenich
Hyderabad
09.2017 - Current
- Responsible for the timely management of the cash receivables by following collections policies and procedure.
- Assess credit worthiness of customer.
- Analyze credit data to determine the degree of risk involved in approving credit blocks.
- Responsible for reviewing the credit blocks of customer.
- Locate customers using credit bureau information, background checks, while analysis about the customer’s company profile.
- Mitigating ageing of invoices.
- Highlighting the risk involved around the geo-political situations and taking necessary measures.
- Working on doubtful receivables & analyzing the reason for the partial payment.
- Communicate and correspond with Accounts receivables, Sales team, Cash apps team to resolve invoice issues.
- Perform other assigned tasks and duties necessary to support the Credit & Collection Team.
- Mentoring and training the new joiners with the workflow, in and around order to cash team.
- Along side being SPOC for all the SAP SD related issues.
Senior Credit Analyst
HSBC
Hyderabad
01.2015 - 09.2017
- Responsible for the release of limit or product issued to the customer by the bank on acceptance of agreement by following CRM policies and procedure.
- Contacting the departments concerned on uploading limits.
- Preparing the facility offer letters before release of limits and getting signed by customers.
- Categorizing the customer profile based on their cash flow of the business.
- Analyze financial statements and rating the customer.
- Responsible for renewing the loan limits of customer.
- Flagging up the discrepancies to relationship managers.
- Facilitating customers to use the online banking.
- Renewing the limits on the timely dates and on the renewal dates.
- Creating of borrowing groups based on customer requirement and relationships of the firms.
- Lending loans bas on the criteria’s and bank policies, sanctioned countries.
- Adhering to the policies and countries before lending the money.
- Detecting fraud.
Credit Analyst
CapGemini Business Services (India) Ltd
Bangalore
07.2013 - 12.2014
- Responsible for the timely management of the cash receivables by following collections policies and procedure.
- Detections of fraud investors & accounts.
- Assess credit worthiness of customer.
- Compare liquidity, profitability, and credit histories of company being evaluated with similar establishments to determine risk.
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Responsible for renewing the credit limits of customer based on their financial reports & credit report.
- Locate customers using credit bureau information, background checks, loan documents, and other paperwork or databases.
- Assess Credit Worthiness.
- Review/Monitor Existing Credit Profile.
- Monitor $100 million of Collection portfolio.
- Controlling the ageing of past due invoices.
- Assessing the credit risk and viability of potential and existing clients to establishing their current credit limit.
- Providing financial guidance to control credit use while minimizing dispute and upholding effective payment.
- Identifying and mitigating against risk issues. Working with a production, and negotiating disputes to resolve.
- Reconcile customer statements/billings to minimize bad debt risk and maximize accounts receivable collections.
- Working on doubtful receivables & analyzing the reason for the partial payment.
- Identifying and mitigating against risk issues. Working with a production, and negotiating disputes to resolve.
- Communicate and correspond with Accounts receivables, Sales team, Cash apps team to resolve invoice, P/O issues.
- Identifying write-off accounts and performing write-offs.
- Ensuring customer delight thru effective and assertive communication.
- Mentoring and guiding the new joiners with the workflow.
Education
MBA - Finance
Osmania University
Hyderabad03-2019
B.Com - Commerce
Osmania University
06-2012
+12 -
Intermediate Board of Education
03-2009
Skills
- DNBi
- Accounts receivable
- Dispute resolution
- Organizational Skills
- Computer Literacy
- Work as Team Player
- Hardware & networking
- Windows OS management
- Virtual environment management
- Data recovery
- Disaster recovery
- Credit risk assessment
- SAP SD troubleshooting
- Collections management
- Customer relationship management
- Team mentoring and training
- Problem solving
- Analytical thinking
- Negotiation skills
- Attention to detail
- Invoice dispute resolution
- Risk mitigation strategies
Accomplishments
- Awarded for consistency and for outstanding performance
- Auto notification for approaching credit
- Case study on increasing collections percentage
- Certificate course in communicative English
- Underwent many personality development and corporate trainings
- Targets were achieved before the given timeline, which helped the company maximize profit and hire new projects.
- Conducted a training session on the O2C cycle.
- Received Gold awards multiple times for going extramile and show casing customer centricity.
Special Interests
- Interested in Music & singing
- Recognized school, college and corporate teams in Volley Ball
Languages
- English
- Telugu
- Hindi
- Kannada
Disclaimer
I do hereby declare that the information stated here in and above are true, correct and complete to the best of my knowledge and belief.
Applications
- CITRIX
- Web collect
- DNBi (Dun & Bradstreet, INC)
- Great Plains
- Oracle
- CRM (Credit risk monitoring)
- SOS (Secretary of states)
Personal Information
- Father's Name: Suresh Joshi
- Date of Birth: 10/15/90
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Languages
English
First Language
Hindi
Upper Intermediate (B2)
B2
Timeline
Senior Expert Credit Control
DSM Frimenich
09.2017 - Current
Senior Credit Analyst
HSBC
01.2015 - 09.2017
Credit Analyst
CapGemini Business Services (India) Ltd
07.2013 - 12.2014
MBA - Finance
Osmania University
B.Com - Commerce
Osmania University
+12 -
Intermediate Board of Education