Prafful Saxena

• Managing a team of 20 people of credit & collection, monitoring daily collection activities and performance targets.
• Allocating portfolios and setting monthly recovery targets to ensure timely collections.
• Conducting regular performance reviews, coaching team members, and improving productivity.
• Supervised day-to-day operations to meet performance, quality and service expectations.
• Improved customer satisfaction by addressing and resolving complaints promptly.
• Developed strong working relationships with staff, fostering a positive work environment.
• Promoted teamwork within the workplace by encouraging collaboration among staff members on various project tasks.

Credit Control :

• Monitoring customer credit exposure and minimizing bad debt risk.
• Ensuring compliance with company credit policies and internal controls.

Collections & Cash Flow:

• Driving collection strategies that improved past due percentage from 12.79% to 6.37%
• Reducing DSO from 43 days to 35 days through structured follow-ups and escalation management.
• Managing high-value and overdue accounts, negotiating payment plans and settlements.

Reporting & Process:

• Preparing aging reports (30/60/90+), collection forecasts, and cash flow projections for management.
• Coordinating with Sales, Finance, and Legal teams to resolve disputes and blocked invoices.
• Identifying process gaps and implementing improvements that reduced outstanding receivables.

Escalations & Stakeholder Management:

• Handling critical customer escalations related to payments and credit issues.
• Acting as a bridge between customers and internal departments to close disputes faster.

• Adhered to department processes, procedures and goal expectations for case investigations.
• Analyzed, researched and resolved payment claims within required timeframes.
• Resolved issues through active listening and open-ended questioning, escalating major problems.
• Optimized organizational systems for payment collections, AP/AR, deposits, and recordkeeping.
• Processed payments and applied to customer balances.
• Used skip tracing and other techniques to locate debtors.
• Gained extensive knowledge in dispute, collection to analyze and reporting.
• Created daily and weekly cash reports for accounting management.
• Managing complex & critical team supporting Order to Cash activities (Billing, Collections, Cash Application, Credit Risk Management, Dispute Resolution )
• Responsible for weekly calls with Regional Credit managers to discuss overall
  health of AR Portfolio Pulling bank statements and creating receipts daily.
• Mentored junior staff members in their professional development by offering guidance/support in their assigned roles.

Banking Operations and Mortgage Business/Title Review / Heloc

• Examine documentation such as mortgages, liens, judgments, contracts, Flood certificate, Property appraisal and agreements in order to verify factors such as properties legal descriptions, or restrictions.
• Read search requests in order to ascertain types of title evidence required and to obtain descriptions of properties.
• Copy or summarize recorded documents, such as mortgages, trust deeds, and contracts, that affect property titles.
• Examine individual titles in order to determine if restrictions, such as delinquent taxes, will affect titles and limit property use.
• Prepare reports describing any title encumbrances encountered during searching activities, and outlining actions needed to clear titles.
• Prepare and issue title commitments and title insurance policies based on information compiled from title searches.
• Verify accuracy and completeness of land-related documents accepted for registration. Prepare rejection notices when documents are not acceptable.
• Summarize pertinent legal or insurance details, or sections of statutes or case law from reference books.

AML - CTF / FinCrime

• Mentored and guided employees to foster proper completion of assigned duties.
• Implemented new working processes which delivered continued improvements.
• Coached team members in customer service techniques, providing feedback and encouragement toward reaching daily targets.
• Initiated timely response to emails, voicemails and written correspondence.
• Facilitated training for associates through daily coaching and regular performance appraisals.

Collection & Deduction Team

• Consult directly with customers to identify reasons for late payments and set up payment plans that are mutually agreeable.
• Handle escalated and complex customer issues, helping to provide resolution and settlement of account.
• Responsible for Account Receivables, Credit Control and Cash Application activities for assigned region.
• Responsible for weekly calls with Regional Credit managers to discuss overall health of AR Portfolio.
• Pulling bank statements and creating receipts daily.
• Responsible for minimizing unapplied and unidentified payments.
• Distributors account profile class review through assigning profile class, credit limit and service/shipment hold to various distributors.
• Communicating with customers (Internal & External) through emails and phone calls.
• Negotiate Payment terms & Payment Plans to High-default customers
• Perform detailed account reconciliation from customer’s perspective as needed.

Booking and Funding Team

• Accurately processed and coded invoices, matching them with purchase orders and receiving documents.
• Assisted in the preparation of payment runs, including checks and electronic transfers, while ensuring adherence to payment schedules like WIRE, ACH, FedEx within TAT.
• Maintained the AP filing system and organized documents for easy retrieval during audits or inquiries.
• Booking of deals by creating invoice in PMS Software by pulling documents from Seibel.
• Ensure then pricing and booking amount are same as payment made to dealers with 100% accuracy.
• Manage all escalation and maintain daily report.
• Creating, handling and updating monthly reports for various client's document and preparing monthly dashboard.
• Participated in internal and external audits, providing necessary documentation and supporting information for AP-related transactions.
• Responded to vendor inquiries regarding payment status and collaborated with vendors to resolve payment issues promptly.