Hi, I’m
Shoeb Kazi
Credit Controller/ Analyst
Abu Dhabi
Summary
Reliable Credit Controller highly effective at assessing risk and working with external departments to develop cross-functional approaches to comprehensive success in credit management. Excited to offering 10+ years' experience and expertise in FMCG, Agric business customers to leading company. Decisive leader and organized manager.
Overview
18
years of professional experience
Work History
National Feed and Flour Prod and Marketing (EFI-National Holdings), Abu Dhabi
Credit Analyst
2017.10 - Current (6 years & 11 months)
Job overview
- Assessed credit risk and analyzed financial statements.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Managing International and local profile of customer's ensuring smooth co-ordination, providing business services in compliant with applicable regulations and established company policies.
- Conducted presentations to upper management and executive teams for credit/loan recommendations.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Using SAP, Power BI and Excel reporting tools to perform credit appraisals and document verification approvals.
- Optimized credit approval and collection processes, improving operational efficiencies by over 30 to 33%.
- Liaise with Bank, Trade finance department to ensure ready availability of services and documents required viz : Letter of Credit (LC), Bank Guarantee, etc.
- Ensure completion of routine tasks, generate and monitor credit reports to achieve monthly and quarterly collection goals with strict regular follow-up with Commercial and Trading division.
- Review customer accounts for compliance with repayment obligations thereby reaching out to check on payments and convey options.
- Recommended approval or disapproval of commercial, credit facility in-line with customer payments and placed customer accounts on hold due to past due payments.
- Responded to disputes calmly and applied logical, knowledgeable approaches to devise solutions.
- Trained and mentored new department employees to maximize performance.
Gulf International - Al Batha Group, Dubai
Senior Credit Controller
2009.05 - 2017.09 (8 years & 4 months)
Job overview
- Made decisions and recommendations about extending lines of credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Managed over 40 calls per day leading to increased sales by 10%.
- Improved understanding of financial statements, which helped in assessing risk.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
- Minimized accounts receivable collections and reconciled customer billings and statements.
- Reviewed customer files with strong follow-up on regular basis to make sure receivables were in sound condition.
- Ensure due diligence from customer's along with support to export and international business and distribution activities.
- Liaise with Bank, Trade finance dept for LC, Bank guarantee etc.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Proved successful working within tight deadlines and fast-paced atmosphere, providing routine and ad-hoc critical management reports.
- Demonstrated respect, friendliness and willingness to help wherever needed along with energy and enthusiasm in fast-paced environment.
- Developed and maintained courteous and effective working relationships.
Lateral Systems And Solutions FZ LLC, Dubai Internet City
Accountant
2007.09 - 2009.03 (1 year & 6 months)
Job overview
- Gathered financial information, prepared documents, and closed books.
- Documented cash, credit, fixed assets, accrued expenses and line of credit transactions.
- Successful in achieving extra business by 15% for company by working on additional task assigned with short deadline.
- Completed daily cash functions like account tracking, payroll and wage allocations, budgeting, donating and cash and banking reconciliations.
- Reconciled accounts and reviewed expense data, net worth and assets.
- Evaluated and improved accuracy and completeness of financial records.
- Reviewed accounting structures and procedures on regular basis to identify areas in need of improvement.
- Brought errors to near-zero in reporting, payroll administration and general bookkeeping.
- Partnered with auditors on annual audits and realized compliance with governmental tax guidelines.
- Improved efficiency of data collection, analysis and modeling to enhance practices and increase customer retention.
- Proactively researched technical tax issues related to consulting projects.
Global Food Industries (Al-Batha Group), Sharjah
Accounts & Procurement Executive
2005.03 - 2007.08 (2 years & 5 months)
Job overview
- Successful in saving around 10t to 15% of regular monthly office expenses by ensuring proper controls in place are followed and selecting competitive vendors for stationery and office supplies.
- Maintained clean and organized files by keeping accounts payable records up-to-date.
- Correspondence and follow-up with banks for LC's, amendments, bank guarantee etc
- Ensure timely availability of stocks with regular follow-up with vendors and shipping agents.
- Monitored status of accounts receivable and payable to facilitate prompt processing.
- Reconciled company accounts for credit cards, employee expenses and commissions.
- Processed payments and documents such as invoices, journal vouchers, employee reimbursements and statements.
- Completed weekly check runs and maintained accounting ledgers by verifying and posting account transactions into accounting system.
- Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
- Assisted management with finalization of annual expense plans.
- Maintained accurate and complete documentation for financial department procedures to facilitate new employee training.
- Supervised daily bookkeeping operations with attention to accounts receivable, accounts payable, banking reconciliation and disbursements.
Education
Mumbai University , Mumbai
Bachelor of Accountancy from Accounting And Finance
06.2002
Skills
- Obtaining and Amendment of LC's, BG etc.
- Calculation of ECL's
- Communication with Bank, Trade Finance, etc
- Collection Calls & Field Inspection
- Corporate Social Responsibility & Regulatory Requirements
- Persuasion Techniques & Correspondence Writing
- Data Privacy
- Financial Data Analyzation
- Customer Relationship Management & Client Correspondence
- Account Compliance Reviews & Creditworthiness Evaluations
- Audit Facilitation
- Managing Unit Operations
- Vendor Contracts
Languages
English
Advanced (C1)
Hindi
Bilingual or Proficient (C2)
Arabic
Intermediate (B1)
Timeline
Credit Analyst
National Feed and Flour Prod and Marketing (EFI-National Holdings)
2017.10 - Current (6 years & 11 months)
Senior Credit Controller
Gulf International - Al Batha Group
2009.05 - 2017.09 (8 years & 4 months)
Accountant
Lateral Systems And Solutions FZ LLC
2007.09 - 2009.03 (1 year & 6 months)
Accounts & Procurement Executive
Global Food Industries (Al-Batha Group)
2005.03 - 2007.08 (2 years & 5 months)
Mumbai University
Bachelor of Accountancy from Accounting And Finance
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