Charles Ruby

I have extensive experience in the Finance sector and within Credit Control with over 10 years' experience managing accounts, debt recovery and customer account management within the Healthcare and Foodservice sector. Skilled in working with NHS organisations, resolving complex payment queries, reducing aged whilst also maintaining strong working relationships with clients and key contacts. I have a proven track record of delivering significant debt reduction including reducing aged debt by £1.1 million over the past 18 months in my current employment.

I have a proven ability to manage high-volume accounts, improve cash flow and support finance operations in high pressured and fast paced environments. I am highly organised, very detail oriented and I am a confident communicator with finance teams and external organisations. I hold a qualification from the Chartered Institute of Credit Management, Trade, Export and Consumer and I am proficient with multiple finance systems including Sage, Workday & SAP.

Credit Control NHS Ledger & Accounts Receivable Specialist at Cygnet Health Care (2021-08 – Present)

• Currently managing a ledger of 9 accounts exceeding £7million across the NHS sector with over 350 invoices per month being handled.
• Chasing overdue payments via telephone and email while maintaining professional client relationships.
• Investigating and resolving and extremely complex invoice queries, disputed charges and account discrepancies with our billing team and other finance teams.
• Working closely with NHS finance teams and key figures within the NHS to help resolve outstanding account queries.
• Managing the full credit control function and processes for healthcare clients and NHS organisations.
• Carrying out account reconciliations to ensure accurate financial records and prompt allocation of payments.
• Monitoring and maintaining high value customer ledgers to ensure timely payments, identifying overdue accounts and implementing effective ways of debt recovery.
• Producing aged debt reports and updates for senior management, highlighting any potential high risk accounts and any escalations that are needed whilst assisting with any appropriate actions.
• Using Sage, Workday and various other finance systems to manage accounts and reporting.
• Investigating and resolving invoice disputes and payment discrepancies efficiently.
• Supporting month end processes, helping with cash forecasting and assisting reporting within the finance department.
• Prioritising workloads efficiently to manage a high volume of accounts within tight deadlines and SLA agreements.
• Regularly attending internal and external customer meetings.

Credit Control NHS Ledger & Accounts Receivable Specialist at Cygnet Health Care (2021-08 – Present)

Key Achievements

• Successfully reducing the aged debt by over £1.4m in the last 18 months, significantly improving company cash flow and reducing overdue balances.
• Implementing new reporting systems and aged debt tracking reporting which are used daily by the team.
• Maintained consistent debt recovery performance while delivering a high level of customer service.
• Developed really strong working relationships with NHS finance teams which helped improve payment turnaround times.

Credit Control Clerk – Brakes National Accounts - NHS & Scotland at Brakes Group (2015-08 – 2021-08)

• Managing a portfolio of over 700 accounts.
• Maintaining good customer relations whilst ensuring all accounts are adhering to their contractually agreed payment terms, contacting customers via telephone and email.
• Investigating and resolving complex invoice queries, disputed charges and account discrepancies and working with other finance teams.
• Liaising with National Account Managers, building healthy relationships with sales in the best interests of the customer.
• Keeping track all of my internal team and personal targets, regularly liaising with the Team Leader and Credit Manager.
• Maintaining effective liaison with a range of internal staff and customers.
• Running a Daily High Value Order report for the rest of the credit control team in order to keep visibility of potential fraudulent activity.
• Regularly attending internal and external customer meetings