UNITED ARAB EMIRATED. EXECUTIVE SUMMARY Experience Credit Controller and highly motivated, adaptable person. Who strives for quality, applies process and discipline toward optimizing performance and has ambitions to succeed key skill. Well organized and willing to learn new tasks, no matter how insignificant or complex. Work under pressure, able to highly process volumes of works within rigid timescale through well-developed organization and planning skill. Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services. Successful at reviewing suspicious activities and uncovering fraud. Experienced in meticulously and methodically assessing merchant portfolio batches each day. Excellent reporting and documentation skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Hi, I’m
Farhan Iqbal
Credit Analysis
Sharjah
Summary
Overview
29
years of professional experience
2
years of post-secondary education
Work History
Steemet Building Material LLC / Kanz Scaffolding LLC, Dubai
Group Credit & Operational Manager
2022.06 - Current (2 years & 3 months)
Job overview
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- 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.
- Operational Activities of Sister Concern Company Kanz Scaffolding LLC
Al Rama International Traders U.A.E, Dubai
Group Credit Controller
2008.07 - 2022.06 (13 years & 11 months)
Job overview
- Evaluating Existing & new client for worthiness and establishing Payment Terms
- Credit Meetings with Sales Team Regarding Outstanding Payments
- Vendor assessments
- Working with Credit Insurance Company and timely claims
- Regular Client visits & meetings discuss payments and options to enhance the Credit facility
- Check bills process and manage timely submission of Invoices
- Minimizing risk of bad debts by granting Credit to good risk assessed customers
- Handling Al Branches of Al Rama & Sister Concern regarding Credit Facility
- ( Building Material/Chemicals/ Transport Division)
- Self-motivated, with a strong sense of personal responsibility.
- Participated in team projects, demonstrating an ability to work collaboratively and effectively.
- Provided professional services and support in a dynamic work environment.
- Acted as a team leader in group projects, delegating tasks and providing feedback.
- Proven ability to learn quickly and adapt to new situations.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Prime Packing & Packaging U.A.E, Ajman
Administration Manager
2007.05 - 2008.07 (1 year & 2 months)
Job overview
- Managing the whole business activities and Responsible for Local & International Purchases
- Checking Receivables and handling Sales Team.
- Oversaw office inventory activities by ordering and requisitions and stocking and shipment receiving.
- Supervised staff and delegated tasks to maintain positive, productive administrative operations.
Al Akhar Newspaper, Islamabad
General Manager
2005.05 - 2007.05 (2 years)
Job overview
- Responsible for Purchases and worked as Facility Manager.
- Developed and maintained relationships with customers and suppliers through account development.
- Implemented operational strategies and effectively built customer and employee loyalty.
- Maximized operational excellence mentoring personnel on management principles, industry practices, and company procedures.
- Analyzed market trends and competitor activities to create competitive advantages.
Spar Supper Marker U.K, South Yorkshire, Sheffield
Store Manager
2002.03 - 2005.08 (3 years & 5 months)
Job overview
- Checking and Purchasing Stock for Store, Bank deposits and allocation of Employees regarding the duty and their responsibilities.
- Approved regular payroll submissions for employees.
- Supervised guests at front counter, answering questions regarding products.
- Rotated merchandise and displays to feature new products and promotions.
- Managed store employees successfully in fast-paced environment through proactive communication and positive feedback.
Dunkin Donuts U.S.A, New York Lond Island
Store Manager
2001.03 - 2002.03 (1 year)
Job overview
- Worked as a Store Manager, Checking and Purchasing Stock for Store, Bank deposits and allocation of Employees regarding the duty and their responsibilities.
- Managed inventory control, cash control, and store opening and closing procedures.
- Supervised guests at front counter, answering questions regarding products.
- Rotated merchandise and displays to feature new products and promotions.
TAQ Logistic Pakistan, Islamabad
Import Export Executive
2000.01 - 2002.03 (2 years & 2 months)
Job overview
- Responsible for Import & Export Business in Local Areas, Negotiation of Shipping rates and client feedback to improve services.
- Delivered services to customer locations within specific timeframes.
- Provided professional services and support in a dynamic work environment.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Skilled at working independently and collaboratively in a team environment.
- Worked well in a team setting, providing support and guidance.
Citi Bank N.A Pakistan, Rawalpindi
Customer Services Executive & Trainer
1994.01 - 1999.12 (5 years & 11 months)
Job overview
- Looking for Retail Banking, Trainer for new Executives, Loan Processing Document approvals, Responsible for Retail banking (Mortgages, Car Loan and Credit Card)
- Resolved customer billing errors by researching issues in system, asking open-ended questions, and determining root causes of problems.
- Described product and service details to customers to provide information on benefits and advantages.
- Provided company information and policies to customers upon inquiry and answered questions via phone, email, or online chat.
- Developed working relationships with internal and external customers while assisting with account management duties.
- Escalated critical customer issues to supervisor to avoid lost revenue and canceled policies.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Answered customer telephone calls promptly to avoid on-hold wait times.
- Processed customer service orders promptly to increase customer satisfaction.
- Trainer for new Sales Team
Education
Preston University Pakistan
MBA from Business Administration And Management
1991.10 - 1993.12 (2 years & 2 months)
University Overview
Skills
Credit data assessments
Timeline
Group Credit & Operational Manager
Steemet Building Material LLC / Kanz Scaffolding LLC
2022.06 - Current (2 years & 3 months)
Group Credit Controller
Al Rama International Traders U.A.E
2008.07 - 2022.06 (13 years & 11 months)
Administration Manager
Prime Packing & Packaging U.A.E
2007.05 - 2008.07 (1 year & 2 months)
General Manager
Al Akhar Newspaper
2005.05 - 2007.05 (2 years)
Store Manager
Spar Supper Marker U.K
2002.03 - 2005.08 (3 years & 5 months)
Store Manager
Dunkin Donuts U.S.A
2001.03 - 2002.03 (1 year)
Import Export Executive
TAQ Logistic Pakistan
2000.01 - 2002.03 (2 years & 2 months)
Customer Services Executive & Trainer
Citi Bank N.A Pakistan
1994.01 - 1999.12 (5 years & 11 months)
Preston University
MBA from Business Administration And Management
1991.10 - 1993.12 (2 years & 2 months)
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