Artificial Intelligence
Ghazali Khan
Credit Officer
Pune,MH
Summary
Dynamic finance professional with extensive experience at UPS Logistics, excelling in risk analysis and cash flow forecasting. Proven track record in reducing delinquency rates through strategic problem-solving and effective communication. Adept at collaborating across teams to enhance customer relations and streamline financial processes, ensuring compliance and operational efficiency.
Overview
6
6
years of professional experience
Work History
Credit Officer
IKORP Technology Consulting Pvt Ltd
11.2024 - Current
- Processing banking financial services for BU's - 3PL, 4PL, global, global USD, and NZ operated accounts.
- Offsetting short-paid and overpaid amounts by creating memos accordingly.
- Monitor account status, and ensure timely payments within credit limits.
- Analyze account behavior to identify issues, and escalate where needed.
- Perform aging analysis and follow-ups to reduce overdue payments.
- Keep accurate records of collections and correspondence.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reduced delinquency rates by implementing effective portfolio management strategies.
- Collaborate with Sales, Customer Service, and Revenue teams to resolve disputes.
- Support billing corrections and re-invoicing tasks.
- Track trends in the market, industry, and customer behavior to manage risk.
- Regularly review and update existing client credit terms.
- Prepare weekly AR import files, following billing ingestion.
Collections Specialist
UPS Logistics Private Limited
01.2023 - 11.2024
- Optimized account prioritization by analyzing customer data, enabling more targeted and effective collection efforts.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Researched accounts and completed due diligence to resolve collection problems.
- Contributed to a positive work environment by providing support, guidance, and expertise to junior team members as they navigated complex collections situations.
- Maintained compliance with state and federal regulations during all collections activities, ensuring ethical business practices.
- Reduced delinquency rates by implementing effective collection strategies and maintaining consistent follow-up procedures.
- Processed payments and applied to customer balances.
- Conducted thorough investigations into disputed charges, leading to accurate account adjustments.
- Collaborated with external collection agencies and legal counsel on complex delinquent accounts.
- Coordinated with sales and customer service departments to address underlying issues leading to non-payment.
Finance Officer
UPS Logistics Private Limited
11.2021 - 12.2022
- Managed customer contract obligations, deferred payments, and monthly accruals.
- Maintained accurate contract records, and processed payment-related documentation.
- Delivered month-end reports, including accruals, tiers, bad debt, and payment insights.
- Leveraged tools like Oracle, GCS, PPS, and QWS for account tracking and reporting.
- Reviewed revenue contracts and ensured GAAP-compliant revenue recognition.
- Optimized cash flow management, ensuring timely payment of invoices and reducing outstanding debts.
- Streamlined financial processes for increased efficiency and accuracy in reporting.
- Assisted executive leadership in making informed decisions by providing reliable financial forecasts based on rigorous analyses.
Financial Administrative Assistant
UPS Logistics Private Limited
01.2020 - 10.2021
- Experienced in cash application, offsets, and bad debts.
- Rectifying the misapplied payments.
- Experience in work allocation and query handling.
- Validating queries, reporting, and providing findings for the application.
- Handling inquiries from collectors and providing timely resolution received in ARD payment inquiries.
- Pulling up reports from sources: J.P. Morgan Chase, American Express, Discover Network, and PayPal.
- Reconciliation of credit card wire payments with reports.
- Creating templates for Internal Audits.
- Updating the projected wire as per the payments received on a daily basis.
- Applying the payments promptly as per MAR, 72 hours, with no exception.
- Prepared correspondence, reports, and presentations for senior management.
Education
Bachelor's in Commerce - Accounting And Finance
Karim City College
Jamshedpur 04.2001 -
Skills
Risk analysis
Customer relations
Quality controls
Delinquency monitoring
Cash flow forecasting
Banking operations
Problem-solving abilities
Decision-making
Team building
Effective communication
Adaptability and flexibility
Interests
Automation
Exclusive Power Bi Dashboards
Accomplishments
- Awarded with “Reward and Recognition” in the month of October 2020.
- Quick learner and reliability achieved in the month of June 2022
- Increased overall collections by 20% year-over-year through strategic communication and relationship building with clients.
Timeline
Credit Officer
IKORP Technology Consulting Pvt Ltd
11.2024 - Current
Collections Specialist
UPS Logistics Private Limited
01.2023 - 11.2024
Finance Officer
UPS Logistics Private Limited
11.2021 - 12.2022
Financial Administrative Assistant
UPS Logistics Private Limited
01.2020 - 10.2021
Bachelor's in Commerce - Accounting And Finance
Karim City College
04.2001 -