YATHARTH CHAWLA
Summary
Dynamic credit control expert specializing in credit risk assessment, revenue cycle management, and cash flow optimization for high-growth organizations. Skilled in designing and implementing credit policies that reduce DSO (Days Sales Outstanding), safeguard financial health, and support sustainable growth. Proven track record in leveraging data analytics to forecast risk, minimize bad debt, and improve recovery rates, all while maintaining strong client relationships. Adept at cross-functional collaboration with finance, sales, and legal teams to align credit strategies with business objectives. Committed to regulatory compliance and fostering high-performing teams through effective leadership, process optimization, and a culture of accountability.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Senior Manager - Credit Control
Embee Software Pvt. Ltd.
Jasola
05.2024 - Current
- Developing and implementing credit policies, reducing overdue accounts by 30% and DSO by 25%.
- Leading and mentoring a credit control team, improving efficiency and achieving consistent performance targets.
- Conducting credit risk assessments and setting credit limits to minimize losses, while resolving disputes and negotiating favorable payment terms.
- Monitoring key performance indicators (KPIs) and identifying process improvements to enhance credit collections efficiency.
- Preparing and presenting reports on credit performance and cash flow forecasts to senior management.
- Spearheading the adoption of ERP systems, automating processes and improving data accuracy.
- Organizing and leading training on credit management, fostering a culture of financial responsibility across the organization.
- Overseeing the credit control department's day-to-day operations, ensuring timely collections and adherence to credit policies.
- Streamlining credit approval processes and enhancing credit risk assessment methodologies to align with company goals.
- Driving the implementation of robust credit policies to manage and reduce bad debts, improving cash flow and profitability.
- Leading credit investigations and evaluating creditworthiness of new and existing customers to determine appropriate credit limits.
- Managing dispute resolution processes with customers, ensuring timely payment and maintaining positive client relationships.
- Conducted periodic reviews of existing clients to adjust credit limits and terms as necessary.
- Provided regular reports to senior management on the status of receivables, aged debts and cash flow.
- Managed the collection of overdue accounts and provided customer service support for payment resolution.
- Provided strategic direction to departmental heads regarding resource allocation decisions.
- Held regular one-on-one meetings with employees to review performance and priorities and provide feedback.
- Managed a team of 10+ employees by providing guidance, setting goals and objectives, delegating tasks, and monitoring performance.
- Leadership role in planning annual budgets for each department based on forecasted sales volumes.
Manager - Credit Control
Wipro
Pune
05.2023 - 03.2024
- Maintained and presented progress reports to leadership, ensuring alignment with organizational goals and customer needs.
- Supervised and motivated staff, implementing process improvements to streamline operations and drive growth.
- Stepped into senior management roles to ensure continuity and optimize resource allocation during absences.
- Introduced new practices and systems to reduce turnaround time, eliminate bottlenecks, and improve operational efficiency.
- Managed supplier evaluations, controlled costs, and ensured superior support by staying informed on product and service changes.
- Acted as the primary point of contact for project managers, ensuring timely project completions and budget adherence.
- Addressed employee complaints, resolved discrepancies, and managed customer concerns while ensuring compliance with policies.
- Monitored and analyzed performance metrics, ensuring team goals were consistently met and identifying areas for improvement.
- Implemented customer feedback systems to continuously improve service offerings and ensure high satisfaction rates.
- Coordinated cross-departmental collaboration to ensure projects were executed on time, within budget, and in alignment with company objectives.
- Developed and led training programs to enhance staff skills, fostering a more competent and engaged workforce.
- Evaluated and implemented technology solutions to enhance operational workflows, reduce errors, and increase efficiency.
Assistant Manager - Collections
Genpact India
Noida
04.2020 - 02.2023
- Trained and mentored new employees on collections, documentation, and performance strategies, while supervising staff.
- Monitored overdue payments, contacted clients, resolved discrepancies, and updated customer accounts in CRM.
- Evaluated customer credit histories, accessed records, and conducted due diligence to resolve collection issues.
- Managed vendor relationships for better cost offerings and customer status, ensuring compliance with company policies.
- Maintained professional communication with customers and partners, addressing concerns and complaints as needed.
- Prepared regular reports on collection performance, aging accounts, and payment trends for senior management.
- Facilitated negotiations for payment plans and settlements, ensuring both client satisfaction and company goals.
- Collaborated with cross-functional teams (sales, finance, legal) to resolve complex payment issues and disputes.
- Implemented process improvements for more efficient collection workflows, reducing operational delays.
- Coordinated training programs on regulatory changes and best practices for collections to maintain team effectiveness.
Team Lead - Operations
Accenture
Bengaluru
04.2019 - 02.2020
- Led daily meetings to discuss progress, challenges, and priorities, assigning tasks based on strengths and workload.
- Tracked project progress using management tools, conducted check-ins to provide support, feedback, and ensure alignment with organizational goals.
- Addressed issues, offered guidance, and kept the team informed on updates, changes, and milestones.
- Prepared and presented team updates to management, providing constructive feedback and recognizing achievements to motivate team members.
- Developed and maintained project timelines, ensuring deadlines were met while managing resource allocation.
- Monitored team performance, identifying areas for improvement and implementing solutions to optimize productivity.
- Fostered a collaborative work environment by encouraging open communication and the sharing of ideas.
Subject Matter Expert - Operations
Accenture
Bengaluru
01.2017 - 03.2019
- Demonstrated respect and friendliness, offering efficient service and resolving customer issues with ease.
- Quickly learned new skills, applied them to tasks, and improved efficiency while maintaining a strong attendance record.
- Adhered to policies and safety guidelines, using critical thinking to solve problems and make informed decisions.
- Actively participated in team-building and continuous improvement activities, enhancing operations and teamwork.
- Successfully worked under tight deadlines, managed time effectively, and escalated major issues when necessary.
- Maintained a positive and professional attitude, ensuring customer satisfaction even in challenging situations.
- Collaborated with team members to achieve common goals, fostering a productive and supportive work environment.
- Continuously sought opportunities to improve processes, leading to increased operational efficiency and reduced costs.
- Demonstrated adaptability by taking on new responsibilities and handling changing priorities without disruption.
- Provided clear, concise communication with customers and colleagues to ensure transparency and resolve issues swiftly.
Senior Process Executive
Cognizant
Gurgram
10.2015 - 12.2016
- Implemented process improvements and introduced new systems to optimize efficiency and drive growth.
- Took on senior management duties to ensure operations continuity and streamlined communication.
- Analyzed financial status and property evaluations to assess loan feasibility while strategically allocating resources.
- Developed and integrated new systems, reducing processing times and improving overall service delivery.
- Coordinated with cross-functional teams to ensure smooth project execution, meeting deadlines and business goals.
- Identified and eliminated process bottlenecks, reducing turnaround time and improving workflow consistency.
Process Developer - Operations
Genpact
Gurgram
07.2010 - 10.2015
- Contacted customers to collect payments, processed transactions, and updated CRM with account details.
- Researched accounts, evaluated credit histories, and resolved collection issues using prescribed scripts.
- Generated monthly statements, processed demand letters, and performed administrative tasks to support collections.
- Completed training in credit management and civil court practices to stay current on legal collection procedures.
Education
Bachelor degree in Arts - General Studies
University of Delhi
01.2014
12th -
Central Board of Secondary Education
01.2009
Skills
- Credit Policies & Risk Assessment
- KPI monitoring
- ERP implementation
- Credit Control Team Leadership
- Overdue Account Reduction
- Dispute Resolution & Payment
- Tax Planning and Strategy
- Credit Approval
- Tax Compliance
- Cash Flow Forecasting & Reporting
- Bad Debt Management
- Relationship Management
- Collections Strategy
- Financial Reporting & Analysis
- Budget Adherence
- Import/Export Compliance
- Indirect Tax Impact Assessment
- Project Management
Certification
- Six Sigma - White Belt, ABInBEV, 2018
- Six Sigma - Green Belt, Wipro, 2023
- Compliance & Money Laundering, Genpact, 2015
- Advance Excel, Genpact, 2012
Personal Information
Gender: Male
Timeline
Senior Manager - Credit Control
Embee Software Pvt. Ltd.
05.2024 - Current
Manager - Credit Control
Wipro
05.2023 - 03.2024
Assistant Manager - Collections
Genpact India
04.2020 - 02.2023
Team Lead - Operations
Accenture
04.2019 - 02.2020
Subject Matter Expert - Operations
Accenture
01.2017 - 03.2019
Senior Process Executive
Cognizant
10.2015 - 12.2016
Process Developer - Operations
Genpact
07.2010 - 10.2015
Bachelor degree in Arts - General Studies
University of Delhi
12th -
Central Board of Secondary Education
Similar Profiles
Rahul GuptaRahul Gupta
Cloud Consultant at Embee Software PVT LTDCloud Consultant at Embee Software PVT LTD
Pooja MehtaPooja Mehta
Technical Consultant at Embee Software Pvt. Ltd.Technical Consultant at Embee Software Pvt. Ltd.
ARCHANA KOKAREARCHANA KOKARE
Senior Software Developer at Embee Software Pvt. LtdSenior Software Developer at Embee Software Pvt. Ltd