SHAMSHUDDIN MAQBOOL AHMED
Dubai,UAE
Summary
Finance professional with 8+ years of experience specializing in Accounts Receivable, Credit Risk, and Working Capital Management within UAE and international business environments.
Proven ability to optimize cash flow, reduce DSO, and strengthen credit governance across high-value customer portfolios.
Experienced in partnering with senior stakeholders, managing complex customer accounts, and aligning credit strategy with business growth objectives. Strong ERP expertise in SAP FICO, Oracle, and Epicor, combined with advanced analytical and reporting capabilities.
Overview
16
16
years of professional experience
2
2
years of post-secondary education
Work history
Credit Controller & Collection
Gulf Drug LLC
Dubai, UAE
2022.10 - Current
- Lead end-to-end credit risk management and receivables portfolio of ~AED 120 million across 8 business units
- Act as a strategic finance partner to Sales, reviewing customer contracts and advising on credit terms, payment clauses, and risk mitigation
- Drive DSO reduction and cash flow optimization, implementing structured collection strategies across high-value accounts
- Present working capital, AR ageing, and risk exposure reports to senior management, enabling data-driven decision-making
- Conduct periodic AR review meetings with Business Unit Heads, aligning collection targets with operational and revenue goals
- Lead and coordinate cross-functional teams across finance, sales, logistics, and technical departments to ensure smooth order-to-cash execution
- Oversee contract validation and credit approvals, ensuring alignment with internal policies and financial risk appetite
- Review and validate Letters of Credit (LC), identifying discrepancies and ensuring compliance with international trade and banking requirements
- Manage high-value disputes, claims, and legal escalations, coordinating with legal teams for recovery actions
Receivable accountant
Culligan Middle East
Dubai
2020.01 - 2022.09
- Managed end-to-end collections and Accounts Receivable portfolio of ~AED 45 million across diverse customer segments
- Drove consistent customer follow-ups through calls, emails, and in-person visits, significantly improving collection cycles and payment discipline
- Performed detailed credit analysis and customer risk assessments to support credit approval and limit decisions
- Negotiated and structured payment plans with high-risk and overdue customers, ensuring maximum recovery and reduced bad debt exposure
- Built and maintained strong client relationships, balancing collection effectiveness with long-term business continuity Handle complete task of Export Letter of Credit.
Accountant (AR/AP)
Safe Technical Supply Company LLC
Dubai
2014.09 - 2019.12
- Handled AR cycle: invoicing, collections, reconciliation, and ageing analysis
- Prepared MIS reports including cash flow, working capital, and debtor reports
- Coordinated with sales and customers to resolve billing disputes
- Supported month-end closing, audits, and financial reporting
- Managed import/export LC documentation
Financial Associate II
Hewlett Packard (hp)
Bangalore
2010.01 - 2013.04
- Managed end-to-end AP processes for Nestlé Europe operations
- Resolved invoice discrepancies and prevented duplicate payments
- Generated ageing and payment reports
- Trained team members and handled escalations
- Training & Knowledge Sharing – Train team members on process updates and represent AP during client visits.
- SAP & Accounting Knowledge – Strong working experience with SAP 6.0, and sound knowledge of AP, AR, GL, and finalization of accounts.
Education
CMA USA-Persuing -
IMA
Master of Commerce (M.com) - Accounting & Taxation
University of Mysore
Mysore 2008.03 - 2010.04
Skills
- Credit Risk Assessment & Policy Implementation
- Accounts Receivable Management & Collections
- DSO Reduction & Cash Flow Optimization
- Customer Credit Approvals & Limit Control
- Dispute Resolution & Legal Coordination
- Working Capital & MIS Reporting
- ERP Systems: SAP FICO Oracle Epicor
- Advanced Excel & Financial Analysis
- Stakeholder & Team Management
- Process improvement recommendations
Languages
English
Hindi
Urdu
Kannada
Arabic (Beginner)
Personal Information
Nationality: Indian
Affiliations
- Sports, Cooking, Reading
Timeline
Credit Controller & Collection
Gulf Drug LLC
2022.10 - Current
Receivable accountant
Culligan Middle East
2020.01 - 2022.09
Accountant (AR/AP)
Safe Technical Supply Company LLC
2014.09 - 2019.12
Financial Associate II
Hewlett Packard (hp)
2010.01 - 2013.04
Master of Commerce (M.com) - Accounting & Taxation
University of Mysore
2008.03 - 2010.04
CMA USA-Persuing -
IMA