

Dynamic professional with over 20 years of extensive experience in Accounts Receivable, Collections, Credit, Risk Assurance, and Operations, specializing in Collection and Credit across diverse industries. Currently leading a team of over 20 talented professionals at Xiaomi, driving significant improvements in cash flow optimization, delinquency reduction, and robust credit risk management. Recognized for implementing process enhancements and automation that boost efficiency while fostering collaboration among cross-functional teams to meet organizational objectives. A strategic thinker with a hands-on approach to tackling complex financial challenges, committed to maintaining high standards of financial integrity and compliance with industry regulations.
Spearheaded the transformation of Credit and Collections, aligning processes with 7 years of hyper-growth, supporting a 10x increase in transaction volume for a leading smartphone company.
•Achieved and maintained zero credit exposure through the implementation of a robust risk-mitigation framework, ensuring 100% financial stability during aggressive market expansion.
•Optimized receivable management for high-frequency, high-value distribution channels, maintaining a Collection Effectiveness Index (CEI) of 98%+ across all aging buckets.
•Reduced Days Sales Outstanding (DSO) by [X]% within [Y] months through aggressive follow-up strategies and tiered collection workflows.
•Introduced AI-driven process enhancements and workflow automation, reducing manual intervention by 40% and accelerating the end-to-end collection cycle.
•Developed and deployed advanced Management Reporting Systems (MIS), providing real-time visibility into credit limits, outstanding balances, and collection trends for proactive, data-driven decision-making.
•Maintained bad debt write-offs at less than [X]% of total credit sales, significantly outperforming industry averages for the consumer electronics segment.
•Benchmarked operations against TQM and ISO standards, driving continuous improvement and achieving a 20% increase in overall operational efficiency.
•Ensured 100% compliance with statutory and corporate governance requirements through rigorous internal audit trails and automated reconciliation processes.
•Acted as a strategic partner to Sales and Supply Chain teams, balancing aggressive sales targets with prudent credit controls to support sustainable revenue growth.
Coaching & Mentoring
Effective Communication
Analytical Thinking
Leadership
Change Management
Strategic Planning
Problem Solving
Decision Making
Creativity
Relationship building
Risk Management