A Jadhav

Senior Credit Controller & Order-to-Cash (O2C) Specialist with 12+ years of experience in credit risk management, accounts receivable, collections, and working capital optimization. Proven track record of reducing DSO, improving cash flow, minimizing bad debt exposure, and managing global client portfolios. Skilled in Power BI, Salesforce, IFS ERP, dispute resolution, and cross-functional stakeholder management, delivering consistent operational excellence.

Credit Controller - Wilhelmsen Marine Products India Pvt Ltd - Mumbai

(2018-04)

• Managed a portfolio of 150-180 international client accounts, ensuring timely payments and account health.
• Managed credit risk and optimized cash flow through thorough credit assessments, enforcing timely collections, and reducing outstanding receivables.
• Established credit limits and evaluated creditworthiness of customers.
• Conducted regular credit reviews and reassessed credit limits based on payment history.
• Performed credit assessments, CAF reviews, and credit limit enforcement.
• Successfully resolved complex billing and service-related disputes, mitigating financial risk and improving client relations.
• Coordinated with sales, customer service and finance for all credit-related matters.
• Engaged with customers to establish payment plans, negotiate terms and resolve billing disputes.
• Monitored customer accounts for timely payments and addressed payment delays promptly.
• Developed strategies to minimise late/non-payment, including collection actions and payment plans.
• Assisted in collecting delinquent accounts and applied strategies to encourage timely payments.
• Processed refunds, write-offs, and credit hold decisions.
• Developed Power BI dashboards for real-time performance tracking and actionable insights.
• Leveraged IFS, Salesforce, and Power BI for AR and DSO reporting.
• Generated regular reports on AR, collections and credit risk to management.
• Hosted stakeholder meetings for top debtor strategy and recovery.
• Developed and implemented credit control policies to minimize credit risk and improve collection efficiency.
• Maintained strong relationships with customers while mitigating credit risks.
• Performed Vessel Sanction Reviews to ensure compliance with international trade regulations and avoid penalties.
• Conduct periodic activities for Order to Cash process (e.g., credit management, block/unblock customers, perform invoice accounting, revenue recognition).

Account Collection Executive - BRADY AND MORRIS ENGINEERING COMPANY LIMITED - Mumbai

(2017-07 - 2018-04)

• Managed AR lifecycle, optimized DSO, and enforced credit control policies.
• Conducted credit checks on new and existing customers.
• Achieved zero bad debts through strict credit assessments.
• Oversaw the complete account lifecycle, including collections, reporting, and proactive issue identification.
• Prepared MIS, reconciliations, and customer statements.
• Prepared daily/weekly/monthly collection reports and aging analysis.
• Presented AR status, BG status, and recovery plans to management.
• Maintained proper BG register with details like BG number, amount, issuing bank, expiry date, and beneficiary.
• Prepared Bank Guarantee tracking report (expiry, renewal, invoked, released).
• Liaised with internal legal and finance teams for BG-related disputes or claims.
• Handled BG invocation disputes and coordinated with legal team when required.

Credit Control Executive - Clay Telecom - Pune

(2013-12 - 2016-08)

• Performed regular account reconciliations with clients to ensure accuracy.
• Followed up with clients via calls, emails, and meetings for timely payments.
• Processed refunds, adjustments, and write-offs as approved by management.
• Maintained proper documentation of all collection activities and client communications.
• Investigated and resolved billing discrepancies, short payments, and deductions.
• Worked closely with sales, legal, and finance teams for dispute resolution and legal recovery when needed.
• Participated in monthly review meetings with key account holders.
• Presented AR status and recovery plans to management.
• Prepared daily/weekly/monthly collection reports and aging analysis.

Business Associate - Vertex Customer Solutions Pvt Ltd - Pune

(2012-08 - 2013-03)

• Managed high-volume outbound/inbound calls for indian clients, achieving 100%+ of daily sales targets.
• Resolved complex billing and service disputes efficiently, reducing client escalations by 15%.
• Utilized CRM tools to maintain accurate records of 100+ customer interactions daily.
• Collaborated with the operations team to streamline the order-to-cash process, ensuring 99% data accuracy.
• Participated in quality assurance audits and maintained a customer satisfaction (CSAT) score of 4.5/5.

Bachelor of Arts - Economics - Rani Channamma University (RCUB) (2011 - 2014)

PUC (12th) - Fine/Studio Arts, General - SRPU College Horti

SSLC (10th) - SRPU College Horti