Biju Pavithran
Credit Manager
Dubai
Summary
Accomplished Credit Manager with a proven track record at Sheraton Grand Hotel, Dubai, enhancing credit operations through expert analysis and fraud knowledge. Renowned for authorizing credit with precision and leading teams towards achieving strategic goals. Excelled in streamlining processes, significantly reducing past due balances, and fostering customer retention with exceptional service proficiency.
Overview
24
24
years of professional experience
Work History
Credit Manager
Sheraton Grand Hotel, Dubai
Dubai, United Arab Emirates
09.2014 - Current
- To investigate customer’s credit worthiness by research through various available sources for approval or disapproval to the management.
- To verify the accuracy of balances of accounts receivable.
- To issue timely reminders and collection letters.
- To report unfavorable information which may affect a customer’s credit standing so as to allow timely action.
- To set and continuously review credit limits for both in-house guests and City Ledger accounts.
- To analyze trends in Accounts Receivable Balance or significant changes in payment patterns and to recap major collection problems for the monthly credit meetings.
- To recommend the writing-off of uncollectible accounts.
- To witness the General Cashier’s counting of monetary receipts remitted by Cashiers.
- To liaise with banks regarding all credit cards related matters.
- To systematically follow up on collection of outstanding accounts in a manner that will yield the best timely results while maintaining good relations with the customers.
- To check daily the credits limit exceeds for in-house guest balances and follow up with the Front Office Manager for such cases.
- To follow up on collection of Returned Cheques, Credit Card Charge backs and Skipper Accounts
- To investigate disputed charges and to follow up on queries raised by debtors.
- To maintain a complete credit files for each account containing all documentation related to the credit research in sequence order.
- To maintain separate updated sequential listing of approved credit account holders and non-approved applications, and to circulate these listings to concerned departments.
- To maintain ongoing detailed documentation of all collection efforts by accounts for future analysis of a customer’s credit worthiness and to serve as support in the event of a bad debt write-off.
- To update with Assistant Financial Controller the credit manual of the hotel from time to time.
- To identify training needs and plan training programs for the employees.
- To ensure that the departmental employees are Multi Skilled and have the necessary tools to perform their duties with maximum efficiency, through in accordance with the Annual Training Plan.
- To train all involved employees such as Front Office Clerks and Food & Beverage Waiter / Cashiers to ensure continued adherence to established credit procedures.
- To assist in the training of subordinate as part of the effort to build an efficient team and to be able to take an active interest in their individual development and welfare.
- To be thoroughly familiar with the duties and responsibilities of the employees responsible, be able to train them up to the required standard.
- To supervise the employees within the department, ensuring that the correct standards and methods of service are practiced as stated in the Department’ Operations Manual and Credit Policy.
- To conduct staff yearly performance appraisal.
- To assist in the building of an efficient team of employees by taking an active interest in their welfare, safety and development.
- To ensure proper book keeping and timely reporting in accordance and compliance with hotel audit policies.
- To assist finance Manager with regards finalizing of month end closing works, such as JV preparations, bank reconciliations and balance sheet reconciliations.
Complex Credit Manager
Le Meridien Al Aqah Beach Resort, Fujairah & Al Maha A Luxury Collection Resort and Spa Desert
Fujairah and Dubai, UAE
07.2007 - 08.2014
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
Customer Response/Interactive Executive
Reliance
Mumbai & Chennai, India
09.2004 - 05.2007
- Part of big team , where focusing on customer retention of the company.
- Established clear and competitive goals, growth roadmaps, and strategic business plans with teams.
- Organized due diligence in preparation for sale /customer retention of business units.
- Reviewed and addressed concerns of the customers with timely resolutions to drive more business.
Cashier
The Renaissance, Cochin
Kochi, India
05.2001 - 12.2003
- Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
- Worked flexible schedule and extra shifts to meet business needs.
Education
MBA - Specialization in Financial Management
Jaipur National University
India 03.2017 - 07.2018
Introduction To Modern Application Development - Mobile Applications
Indian Institute of Technology Madras
Chennai 04.2001 -
Batchelor of Commerce - Commerce
Rajiv Gandhi Council For Engineering Technology Mg
Pondicherry 04.2001 -
Batchelor of Commerce - Commerce
Mahatma Gandhi University
Kerala 04.2001 -
Skills
Credit Authorizations
Understanding of Fraud Trends
Sales Expertise
Proficient in Opera
Credit Report Management
Fluent in English and Hindi
Additional Information
Renjith Sukumaran
Complex Assistant Director of Finance
Le Meridian Al Aqah Beach Resort,Fujairah &
Al Maha Luxury collection Desert resort & Spa, Dubai
Mobile no:0558359056
Timeline
MBA - Specialization in Financial Management
Jaipur National University
03.2017 - 07.2018
Credit Manager
Sheraton Grand Hotel, Dubai
09.2014 - Current
Complex Credit Manager
Le Meridien Al Aqah Beach Resort, Fujairah & Al Maha A Luxury Collection Resort and Spa Desert
07.2007 - 08.2014
Customer Response/Interactive Executive
Reliance
09.2004 - 05.2007
Cashier
The Renaissance, Cochin
05.2001 - 12.2003
Introduction To Modern Application Development - Mobile Applications
Indian Institute of Technology Madras
04.2001 -
Batchelor of Commerce - Commerce
Rajiv Gandhi Council For Engineering Technology Mg
04.2001 -
Batchelor of Commerce - Commerce
Mahatma Gandhi University
04.2001 -