Sarfaraz Khan

Results-driven Accounts Receivable Manager with 15+ years of expertise in AR operations, billing & collection, order management, dispute resolution, and financial reporting across diverse industries. Skilled in optimizing cash flow, minimizing bad debt, and enhancing stakeholder relationships. Proven track record in managing high-volume transactions, resolving discrepancies, and ensuring regulatory compliance.

Adept at streamlining AR processes to drive financial efficiency and business growth. Seeking to leverage my expertise in a dynamic organization to enhance collections, reporting accuracy, and overall financial performance.

Accounts Receivable Manager - ABL Corp.

(2024-12)

• Payment Reconciliation & Financial Accuracy: Reconciled daily incoming payments in XERO (ERP), ensuring precise financial records, error-free transaction processing, and streamlined accounting workflows for enhanced financial accuracy.
• Accounts Receivable & Invoice Management: Managed customer database updates, executed daily invoicing, and ensured meticulous documentation, optimizing operational efficiency and strengthening financial control.
• Debt Collection & Customer Engagement: Proactively handled customer queries, sent follow-up emails, and made collection calls to recover outstanding debts, reducing delinquency rates while maintaining positive client relationships.
• Debtors Reconciliation & Risk Mitigation: Conducted thorough debtors' reconciliation, identified discrepancies, resolved disputes, and implemented strategies to improve cash flow, minimizing financial risks and enhancing revenue recovery.
• Loan & Funding Management: Process daily client funding on an invoice basis using the Finview system, ensuring timely disbursement and also facilitate commercial loans to clients.

Accounts Receivable Manager || Assistant Manager - EXL Services Pvt. Ltd

(2016-08 - 2024-11)

Fast-tracked from Assistant Manager (2016) to Lead Assistant Manager (2019) and Manager (2021) at EXL, driving excellence in AR operations, process optimization, and financial strategy execution.

• Accounts Receivable Operations Management: Spearheaded end-to-end Singapore and Hong Kong AR processes, ensuring seamless invoice dispatch, customer query resolution, and account analysis for optimized cash flow and compliance.
• High-Volume Payment Processing: Managed and reconciled AXS, cheques, and bank transfers in Sun System, ensuring 100% accuracy in cash applications and minimizing financial discrepancies.
• Delinquency & Debt Recovery: Monitored aging balances, executed strategic follow-ups on overdue accounts, and processed refunds, legal notices (LOD, NOC), and escalations to improve collections efficiency.
• Financial Reporting & Analysis: Generated and distributed key financial reports, including commission dashboards, Statement of Accounts (SOA), GST invoices, and reconciliation reports to drive data-backed decision-making.
• Regulatory Compliance & Documentation: Maintained and updated SOPs, BCP, QSD, and OSD documentation, ensuring process standardization, risk mitigation, and full regulatory adherence.
• Dispute Resolution & Cash Reconciliation: Resolved complex payment discrepancies, including short/overpayments and missing remittances, ensuring accurate financial reporting and customer satisfaction.
• Team Leadership & Mentorship: Trained and developed high-performing teams, optimizing AR processes, enhancing productivity, and driving operational excellence through knowledge-sharing initiatives.
• Stakeholder & Client Communication: Managed high email volumes, provided prompt resolutions to customer inquiries, and collaborated cross-functionally to enhance service quality and relationship management.
• Strategic Financial Deck Preparation: Compiled and presented fortnightly, monthly, and quarterly financial reports, delivering actionable insights to senior leadership and stakeholders.
• Process Optimization & Automation: Led process improvement initiatives, streamlined AR workflows, and leveraged automation to enhance efficiency, reduce manual errors, and improve turnaround times.

Subject Matter Expert – Accounts Receivable - Accenture

(2013-02 - 2016-08)

• Accounts Receivable & Cash Application: Managed end-to-end accounts receivable processes, including cash application, invoice generation in SAP, and bad debt booking, ensuring accuracy, compliance, and timely revenue recognition.
• Discrepancy Resolution & Order Management: Researched and resolved cash application discrepancies, released customer orders, and ensured seamless financial operations to minimize payment delays and improve cash flow efficiency.
• Aging Reports & Dunning Letters: Generated detailed aging reports and dunning letters, providing clients with actionable insights to proactively address overdue payments and enhance receivables management.
• Process Optimization & Team Training: Updated SOPs, conducted cross-training sessions, and mentored team members, fostering process improvements, operational efficiency, and continuous learning within the accounts receivable function.

Senior Process Associate – Cash Application - Genpact

(2010-05 - 2013-02)

• Cash Application & Issue Resolution: Managed cash application in the CSCS system, resolved payment discrepancies via chat support, and ensured accurate allocation, reducing errors and improving accounts receivable efficiency.
• Standard Operating Procedures (SOPs) Management: Drafted, updated, and maintained SOPs to ensure compliance, streamline workflows, and enhance process efficiency across accounts receivable operations.
• Workload Allocation & Performance Tracking: Analyzed transaction volumes, allocated tasks among team members, and monitored performance to maintain productivity, optimize resource utilization, and meet service-level agreements.
• Training & Process Follow-ups: Managed attendance and training trackers, conducted regular follow-ups on pending requests, and ensured timely processing, fostering operational efficiency and team development.

Master of Commerce - Meerut University (2010 - 2012)

Bachelor of Commerce - Meerut University (2006 - 2009)

Higher Secondary Certification - Jain Inter College (2004 - 2006)