MARIYA SAGHIR
Finance and Accounts/Customer Service/Sales
New Delhi
Summary
Dynamic and analytical professional with extensive experience in payment analysis and interpretation, equipped to excel in this role. Recognized for delivering actionable insights and driving process improvements aligned with business objectives. A collaborative team player dedicated to achieving results while adapting to evolving needs. Proficient in accounts payable, receivable, and payment procedures, ensuring efficiency and accuracy in financial operations.
Overview
17
17
years of professional experience
Work History
Senior Analyst
FIS
03.2024 - 02.2025
- Company Overview: Financial Services Company
- Stayed up-to-date on industry trends and regulatory changes affecting the collections field, ensuring alignment with best practices at all times.
- Monitored account histories to identify trends, enabling proactive actions in addressing potential delinquencies.
- Demonstrated excellent problem-solving skills when faced with challenging situations or disputes from clients.
- Exceeded monthly collection targets by utilizing persuasive negotiation skills and an unwavering commitment to achieving results.
- Contributed to a positive work environment by collaborating effectively with colleagues and supporting their professional growth.
- Managed a diverse portfolio of accounts, applying tailored strategies for successful resolution of each case.
- Prioritized workload efficiently to manage multiple cases simultaneously while meeting deadlines consistently.
- Assisted in training new Collections Advisors, sharing industry knowledge and best practices for successful outcomes.
- Provided timely feedback to management regarding collection performance metrics and areas for improvement.
- Built strong relationships with clients while negotiating payment arrangements, fostering trust and cooperation.
- Maintained accurate records of all collection activities, ensuring compliance with company policies and legal regulations.
- Reduced outstanding debts for clients through consistent follow-up and negotiation tactics.
Collections Coordinator
Photon Stories Pvt Ltd
12.2022 - 01.2024
- Company Overview: Company specializing in Edtech solutions
- Met weekly with department managers to discuss financial information according to current needs.
- Strengthened internal controls through regular review, assessment, and implementation of updated policies.
- Ensured timely invoicing and payment processing, contributing to improved cash flow.
- Facilitated cross-functional collaboration by working closely with other departments on financial matters.
- Gathered and collected all financial information for business and verified accuracy in system.
- Participated in annual audits preparation, facilitating a smooth process with minimal discrepancies identified by auditors.
- Identified cost-saving opportunities by performing thorough expense analysis and implementing efficient practices.
- Mitigated potential risks through ongoing monitoring of both internal and external financial factors.
- Consistently met quarterly forecasting goals by analyzing trends, adjusting projections accordingly.
- Collaborated with team members to coordinate complex projects, successfully meeting deadlines without compromising quality.
- Conducted variance analysis between actuals results and budget targets highlighting areas requiring attention or improvement.
- Boosted overall efficiency within the finance department by automating repetitive tasks and implementing new software solutions.
- Managed accounts payable and receivable activities, ensuring prompt payments while maintaining strong vendor relationships.
- Streamlined month-end closing procedures, reducing time spent on manual tasks while increasing accuracy levels in financial statements.
- Maintained compliance with regulatory requirements through diligent record-keeping and thorough documentation practices.
- Resolved various escalated billing charges.
- Enhanced budget management for various projects through detailed tracking and forecasting.
- Avoided late penalties by scheduling payments in advance.
- Oversaw accounts payable and receivable transactions.
- Created and verified invoices.
- Improved financial reporting accuracy by streamlining data collection and analysis processes.
- Supported the development of financial strategies with comprehensive research and data-driven insights.
- Evaluated investment proposals considering risk-return ratios for optimal portfolio diversification.
- Optimized organizational systems for payment collections, AP/AR, deposits, and recordkeeping.
- Conducted ongoing reviews of program financial systems to assess cost control measures.
- Improved office operations by automating client correspondence, record tracking and data communications.
Payment Specialist
Al Khalil Systems Pvt Ltd
02.2012 - 01.2022
- Company Overview: Company providing e-commerce payment solutions
- Managed payment processing and reconciliation for a high-volume e-commerce platform, ensuring accuracy and efficiency.
- Conducted daily reconciliations of payment accounts and addressed discrepancies promptly.
- Assisted customers with payment-related inquiries, offering guidance and solutions to resolve issues.
- Collaborated with financial institutions and payment processors to optimize payment processes.
- Assisted in the development and implementation of fraud prevention policies and procedures.
- Provided timely and accurate financial reports to management, supporting informed decision-making.
Financial Analyst and Risk and Accounts Payables Coordinator
The Royal Bank of Scotland
04.2011 - 10.2012
- Company Overview: Banking and financial services company
- Developed and implemented a risk-based AML program that identified and addressed areas of high risk.
- Developed and implemented a risk-based audit approach that identified and addressed potential areas of financial and operational risk.
- Conducted risk assessments and implemented risk management strategies to ensure compliance with regulations.
Accounts Payables Associate
Agilent Technologies Inc
03.2008 - 01.2011
- Company Overview: Global technology company in the scientific and healthcare market
- Implemented a user-friendly IT support system that reduced help-desk tickets by 10%.
- Troubleshoot and resolved hardware and software issues, resulting in a 20% reduction in help-desk tickets.
- Created a series of videos that provided employees with a step-by-step guide to using new software, resulting in a 20% reduction in related help-desk tickets.
Education
MBA Finance - Finance And Marketing
Jamia Millia Islamia
New Delhi03.2009
B.com - Commerce
Lucknow University
Lucknow03.2008
Skills
Client management
Awards
Employee Training Success: Reduced help-desk tickets by 20% through targeted employee training initiatives., Fraud Reduction Initiative: Achieved 10% reduction in fraudulent incidents with new risk strategies., Seamless Processor Integration: Successfully integrated new payment processors, enhancing operational efficiency by 15%., Customer Dispute Resolution: Enhanced customer satisfaction, resolving 98% of disputes within 48 hours.
Communicating
I like understanding and speaking to people and always look for any help people need around.
Timeline
Senior Analyst
FIS
03.2024 - 02.2025
Collections Coordinator
Photon Stories Pvt Ltd
12.2022 - 01.2024
Payment Specialist
Al Khalil Systems Pvt Ltd
02.2012 - 01.2022
Financial Analyst and Risk and Accounts Payables Coordinator
The Royal Bank of Scotland
04.2011 - 10.2012
Accounts Payables Associate
Agilent Technologies Inc
03.2008 - 01.2011
MBA Finance - Finance And Marketing
Jamia Millia Islamia
B.com - Commerce
Lucknow University