Senior Credit, Collections & Account Receivable Expert - LENDCARE/GOEASY - Montreal, Canada
(2024-07)
- Account Receivable full cycle, billing, invoicing, statements, dispute resolution by communicating with the clients over the phone, via email and SMS
- Working on with understanding complex legal documents and processing and assisting in legal notices, bailiff procedures, liens etc.
- Helping the clients in restructuring and renewing loans, doing settlements, working on release letters, updating terms and putting limits and other terms adjustments.
- Expert in Asset Management & Recovery System.
- Proven track record in mitigating credit risk, managing debtor's portfolio, expertise in financial fraud prevention, regulatory compliance, with strong leadership skills to help the team achieve goals, uptraining and departmental collaboration.
Senior Credit & Account Receivable Associate - Muraflex - Montreal, Canada
(2023-09 - 2024-06)
One year contract
- Led a team of experts to resolve invoicing/billing issues via SAP, managed client portals, handled accounts receivable, and addressed complex accounting issues to generate fast revenue recovery from progressive and term billing.
- Assisted in credit applications, deductions, payment application, keeping accounts up to date, and generating statements/invoices, making ledger entries, and advising the legal department on liens, waivers, and related issues.
- Managed and maintained accounts receivable processes, ensuring timely and accurate invoices and collections; conducted thorough credit assessments for new and existing clients to mitigate risk and maintain healthy credit limits.
- Working and understanding legal documentation like contracts and terms of clients regarding credit, waivers and liens.
- Resolved discrepancies by collaborating with customers, ensuring prompt payment and account accuracy; prepared detailed financial reports and analyses for senior management, aiding in informed decision-making and strategic planning.
Credit & Account Receivable & Billing/Invoicing, Expert/Team Lead - SECCAN - Boucherville, Canada
(2021-01 - 2023-09)
- Managed claims of unpaid invoices through written and telephone communication, negotiating payment terms and plans.
- Conducted credit analyses, order releases, payment application, and overdue reporting, ensuring accuracy and compliance.
- Working and understanding legal documentation like contracts and terms of clients, regarding credit, fees, interest and other related issues.
- Handled recovery of investments in bankruptcy, including team management and delegation.
- Collaborated with various departments to control data conformity, resolve discrepancies, and enhance credit risk management.
Senior Credit, Billing, Account Receivable & Collection Expert/Team Lead - Brainfinance (Finabanx) - Montreal, Canada
(2018-03 - 2020-12)
Team Lead for over 17 members
- Account receivable full cycle, credit checks, Invoicing, statements, Communicating with clients via phone, emails, and SMS
- Working and understanding legal documentation like contracts and terms of clients, regarding credit, credit limits, fees, interest and other related issues.
- Proven track record in mitigating credit risk, managing debtor portfolios, negotiating payment terms and doing payment application.
- Expertise in fraud prevention, process mapping, and regulatory compliance within financial services.
- Strong leadership skills, with experience in team management, training, and cross-departmental collaboration.
Account Manager - General Credit Services - Montreal, Canada
(2017-03 - 2018-03)
- Build and maintain strong relationships with clients to understand their needs and provide tailored solutions.
- Develop and execute strategic account plans to drive revenue growth, payment application and achieve sales targets.
- Coordinate with internal teams to ensure seamless service delivery and client satisfaction.
- Analyze market trends and client feedback to identify opportunities for improvement and innovation.
Collection Officer/Team Lead & Administrative Assistance - Allied International Credit - Montreal, Canada
(2014-03 - 2017-03)
- Managed the collection of overdue payments through telephone and written communications, ensuring effective resolution of outstanding claims.
- Coordinated team activities, including planning, delegation, and KPI follow-up, to achieve collection targets and maintain high performance standards.
- Communicated with third parties such as the National Bank, debt mediators, and legal representatives to support case resolution.
- Handled administrative tasks, including process mapping, recruitment collaboration, and team training to ensure operational efficiency.
Debt Collector - NCO Financial Services - Montreal, Canada
(2007-11 - 2014-03)
- Contact debtors via phone and written communication to collect overdue payments.
- Negotiate payment terms and establish repayment plans tailored to individual financial situations.
- Maintain accurate records of collection activities and update debtor accounts accordingly.
- Collaborate with legal entities and third parties to manage and resolve complex debt cases.
Sales Manager - Alfalah Bank Dubai Limited - Gujrat, Pakistan
(2002-04 - 2007-10)
- Drive sales growth by developing and implementing strategic plans to meet and exceed targets.
- Lead and motivate a high-performing sales team, providing coaching and support to ensure success.
- Analyze market trends and competitor activity to identify new business opportunities.
- Build and maintain strong relationships with key clients to foster loyalty and repeat business.
Head English Teacher - Peak - Pakistan
(1996-02 - 2002-03)
- Implement engaging and comprehensive English curriculum tailored to diverse learning needs.
- Mentor and support junior teachers, fostering professional growth and development.
- Conduct regular assessments to track student progress and adjust teaching strategies accordingly.
- Organize and lead extracurricular activities to enhance students' language skills and cultural awareness
