FAZAL SWALEH
Dubai,U.A.E.
Summary
Experienced in credit control and risk management, with a proven track record in accounts receivable and collections. Expertise in credit insurance, financial audits, and MIS reporting ensures robust financial oversight. Skilled in inventory verification and balance confirmation, leveraging ERP systems for enhanced accuracy. Strong analytical and negotiation skills drive effective solutions and strategic decision-making. Committed to advancing career goals through continuous improvement and innovation in financial management practices.
Overview
17
17
years of professional experience
Work history
Area Auditor / Credit Controller
Sahar Enterprises L.L.C – Al Kabeer Group
Dubai, UAE
2021.07 - 2026.02
- Assisted in coordinating with Allianz Trade for establishment and oversight of customer credit limits.
- Supported analysis of customer financials to determine creditworthiness and identify risk exposure.
- Facilitated submission and follow-up of credit limit applications with insurers.
- Helped ensure compliance with approved credit limits and policy terms.
- Conducted branch audit visits across Lower Gulf operations.
- Reviewed salesmen ageing reports and assessed collection efficiency.
- Performed surprise customer visits for balance confirmation.
- Conducted random petty cash audits for policy compliance verification.
- Executed half-yearly and annual inventory verifications.
- Performed annual fixed asset physical verification and reconciliation.
- Identified control gaps and recommended corrective actions.
- Prepared and submitted detailed audit reports to senior management.
Accounts Receivable Accountant / Credit Controller
Sahar Enterprises L.L.C – Al Kabeer Group
Dubai
2011.10 - 2021.07
- Managed end-to-end Accounts Receivable cycle (invoicing, reconciliation, collections).
- Monitored customer outstanding balances and ensured timely recovery.
- Prepared aging and collection performance reports for management.
- Conducted customer balance confirmations and resolved discrepancies.
- Coordinated with sales and operations to control overdue accounts.
- Maintained accurate customer ledgers and credit records.
- Generated daily sales reports and handled inter-branch billing.
- Performed weekly stock verification and variance analysis.
- Supported pricing, sales planning, and performance reporting.
- Reduced overdue exposure through structured follow-ups and negotiations.
Sales Distributor
Vodafone Telecom
Ratnagiri, India
2010.10 - 2011.09
- Assisted with sim card and recharge sales.
- Maintained inventory and ensured materials were displayed correctly.
- Coordinated with customers to ensure timely delivery and service.
- Supported business development and customer relationship management efforts.
- Carried out day-to-day duties accurately and efficiently.
- Successfully delivered on tasks within tight deadlines.
- Increased customer satisfaction by resolving issues.
Audit Executive
Softage Information Technology Ltd.
Pune, India
2009.04 - 2010.08
- Assisted in verifying customer KYC documents, including ID and address proof.
- Supported document authentication in compliance with telecom standards.
- Helped process customer applications and compile daily audit reports.
- Identified discrepancies in financial statements to rectify errors and prevent future mistakes.
- Evaluated internal control systems for operational effectiveness.
- Conducted internal audits on financial statements for enhanced accuracy.
- Employed data analysis techniques to interpret complex financial information efficiently.
- Reviewed accounting procedures to identify enhancements in practices.
- Enhanced team productivity through regular brainstorming sessions for problem-solving.
- Maintained data accuracy and supported prevention of fraudulent documentation.
- Coordinated with internal teams to resolve record discrepancies.
Education
Bachelor of Commerce (B.Com) -
Rabindranath tagore university
UAEHigher Secondary Certificate (H.S.C.) - undefined
Maharashtra Board
IndiaSecondary School Certificate (S.S.C.) - undefined
Maharashtra Board
IndiaSkills
- Credit Control & Risk Management
- Accounts Receivable & Collections
- Credit Insurance (Allianz Trade)
- Financial & Branch Audits
- Aging & MIS Reporting
- Inventory & Fixed Asset Verification
- Balance Confirmation
- ERP & Accounting Systems
- Strong Analytical & Negotiation Skills
PERSONAL DETAILS
English
Hindi
Marathi
Basic Arabic
HOBBIES
Learning new languages, Traveling, Networking with new people
REASON FOR CHANGE
Seeking better career growth and professional opportunities.
Timeline
Area Auditor / Credit Controller
Sahar Enterprises L.L.C – Al Kabeer Group
2021.07 - 2026.02
Accounts Receivable Accountant / Credit Controller
Sahar Enterprises L.L.C – Al Kabeer Group
2011.10 - 2021.07
Sales Distributor
Vodafone Telecom
2010.10 - 2011.09
Audit Executive
Softage Information Technology Ltd.
2009.04 - 2010.08
Higher Secondary Certificate (H.S.C.) - undefined
Maharashtra Board
Secondary School Certificate (S.S.C.) - undefined
Maharashtra Board
Bachelor of Commerce (B.Com) -
Rabindranath tagore university