WAQAS AHMAD ZIA
Sharjah,United Arab Emirates
Summary
A seasoned professional with expertise in credit control, financial management, and strategic planning. Demonstrates integrity and honesty in all aspects of work, coupled with strong decision-making capabilities. Adept at developing effective debt collection strategies and managing interpersonal relationships through excellent communication and presentation skills. Committed to driving organizational success through meticulous planning and execution.
Overview
12
12
years of professional experience
2
2
years of post-secondary education
1
1
Certification
Work History
Credit control supervisor
Mabani Steel LLC
Ras Al Khaimah, United Arab Emirates
08.2024 - Current
- Understood complex financial reports, aiding decision-making processes.
- Prioritised workload effectively, resulting in timely completion of assigned responsibilities.
- Led team towards achieving set targets consistently.
- Supported company's cash flow objectives by keeping debtor days at a minimum level.
- Improved accuracy in credit control by implementing more efficient tracking methods.
- Implemented process improvements for improved efficiency in debt collection.
- Managed high-value accounts, reducing potential losses due to bad debts.
- Maintained strong relationships with clients to facilitate future business dealings.
- Managed credit risk data for regular review and evaluation, maintaining accuracy and completeness.
- Collaborated with sales teams and customers to optimise credit terms, addressing needs and expectations.
- Contacted customers about overdue payments by phone, letter and email.
- Monitored outstanding balances and followed up payments.
- Tracked outstanding debtor balances and collected incoming cash on accounts whilst maintaining good customer relationships.
- Chased clients to procure payments in line with agreed terms and conditions.
- Negotiated terms and conditions, payment plans and settlements.
- Reconciled complicated accounts provided by accounting team.
- Analyzed financial statements to identify client viability and risk.
- Progressed legal action for overdue accounts.
Credit controller
Primary Gas LLC
Dubai, United Arab Emirates
02.2024 - 07.2024
- Following customers for timely payments
- Managed debtor ledger meticulously, minimizing any potential errors or discrepancies.
- Recommended improvements to credit policies based on market trends and analysis.
- Monitored client's credit situation closely, mitigating risks associated with late payments.
- Streamlined debt collection processes resulting in improved financial health of the company.
- Negotiated repayment arrangements, improving cash flow in the process.
- Established effective payment plans to facilitate timely debt recovery.
- Contacted customers about overdue payments by phone, letter and email.
- Payments reconciliation
- Meeting customers for their issues related to invoices and payments
- Maintaining collections reports and customer's data
- Reporting monthly feedback to Management
- Negotiating and finalizing settlements
- Financial analysis of the company to assist Finance before proceeding for any credit facility
- Continuous improvement in ageing report
Sales and Collection Assistant
Emirates Gas L.L.C
Dubai
10.2020 - 01.2024
- Company Overview: Emirates Gas is subsidiary of Emirates National Oil company which is Government owned company and one of renowned and well established company in Oil and Gas sector
- Following up all customers for payments
- (Via calls, emails
- Portals and Visits)
- Managing key Accounts of EMGAS
- Visiting customers for discussing long overdue and payment plan
- Collection of payment and negotiating payment plan
- Generating reports and sending SOA from SAP to all customers
- Uploading invoices on customer's portal for timely collection i.e
- Jumeirah Group, MAF, ADNOC
- Etc
- Generating receivables report weekly and updating receivables reports
- Preparing aging report vis SAP
- Maintaining excel regarding all accounts overdue and receivables
- Reconciliation of Account Statements
- Resolving accounts and invoicing issues of Key Accounts
- Coordinating with Marketing, Operations, and Services for Invoices issues
- Reviewing of Bank Guarantees and Financial Documents
- Creating legal payment plans for closing payments issues of the customers after higher Management's approvals
- Emirates Gas is subsidiary of Emirates National Oil company which is Government owned company and one of renowned and well established company in Oil and Gas sector
Collection Officer
Tahseel (HKDC)
Sharjah
10.2018 - 09.2020
- Company Overview: Tahseel is an international organization of debt collection
- Sound recovery and business development knowledge of Market
- Negotiating settlement with the clients
- Making outbound calls to customers and clients related to settlements
- Contacted and followed up with the customers by all mean of positive effective Communication regarding all unresolved matters
- Dealt with write off accounts
- Identifying customer needs & dealing according to bank policies to ensure amount is recovered and matters are amicably resolved
- Worked with other departments to make strategies for achieving monthly and quarterly target goals as per company growth planning
- Tahseel is an international organization of debt collection
Business Development Manager
JS Bank
Islamabad
01.2015 - 08.2018
- Company Overview: JS Bank is one of the rapid growing bank in corporate environment having many ventures and establishing itself as most challenging organization
- Achieving monthly Targets
- Developing Agents Network
- Training BDE's and Agents
- Building Strong Relationships to get retailer's support in the market
- Making strategies for promotions and beating competitors
- Visiting whole area for development and analysis
- Keep my team motivated in challenging situations
- Resolution of agents cum team issues
- Monthly achievement of increasing Sales and developing agents network
- Making reports of weekly, monthly and yearly sales
- Attending regional and national meeting
- Managing retailers, sales force, Sales force on job training execution and monitoring
- JS Bank is one of the rapid growing bank in corporate environment having many ventures and establishing itself as most challenging organization
Business Development Executive
United Bank Limited
Peshawar
01.2013 - 12.2014
- Company Overview: UBL is an international Bank having roots in many developed countries with leading trends
- Opening accounts and dealing corporate customers
- Maintaining relationships with the existing and potential customers by resolving their daily basis issues and providing latest updates on product promotions
- Representing our bank in many conferences as representative
- Updating product knowledge and standard operational procedures to team members and to oneself for professional enhancement
- Congregating market updates and problem-solving solutions to better respond plus resolve complaints
- Ensuring customer satisfaction in order to maintain company standards and market reputation
- Maintaining Quality and Productivity statistics in order to achieve monthly KPI's
- Daily team progress meeting discussing high and low lights of team performance
- Addressing Team issues to improve productivity and team performance
- Carrying out regular internal training to keep team members to date in regard to new packages and products launched
- Reporting: Daily reporting of highlighting team performance and suggesting improvement plans
- Keeping track record of productivity and performance of Individual Team member and sharing report with Team lead on daily basis
- Weekly reporting to Floor Supervisor showing weekly team performance
- Reviewing and analyzing monthly performance report to suggest next month's Plans to achieve the target
- UBL is an international Bank having roots in many developed countries with leading trends
Education
MBA -
City University
Peshawar, Pakistan 01.2009 - 03.2011
Skills
- Credit control knowledge
- Financial Management
- Strategic Planning
- Integrity and honesty
- Decision-Making capabilities
- Interpersonal skill
- Communication skill
- Presentation
- Debt collection strategy
Languages
English
Hindi
Urdu
Pashto
Personal Information
- Date of birth: 03/15/88
- Nationality: Pakistan
- Marital status: Married
- Visa status: Employment visa
Affiliations
- Being in Communities and playing Cricket, Tennis Table, Ludo, etc
Accomplishments
Achieved best performer Awards in ENOC many times and other recognitions
Certification
Best Performer Certificate 2021
References
References available upon request.
Timeline
Credit control supervisor
Mabani Steel LLC
08.2024 - Current
Credit controller
Primary Gas LLC
02.2024 - 07.2024
Sales and Collection Assistant
Emirates Gas L.L.C
10.2020 - 01.2024
Collection Officer
Tahseel (HKDC)
10.2018 - 09.2020
Business Development Manager
JS Bank
01.2015 - 08.2018
Business Development Executive
United Bank Limited
01.2013 - 12.2014
MBA -
City University
01.2009 - 03.2011
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