Company Director of C & D Consultancy Ltd, a Credit Management Company providing credit vetting, debt collection and litigation. Services provided for individuals and companies no matter how large or small, in any industry or location.I believe in providing a customer service and therefore will assess any debts before taking them on to ensure that there is a chance of recovery and not just out there to make a quick buck like many outfits.Specialising in chasing private patient consultant invoices for all Embassies.Authorised and Regulated by the Financial Conduct Authority.

Main focus is chasing outstanding debts for a £12m ledger. Liaising with Councils, NHS Trusts, Company's and individuals.

• Key achievements: Majority of consultants moved over to new company due to my reputation, long standing invoices were collected within 2 months, trained staff to ensure invoices are correct for payment.• Chase Embassies patients with reference to medical treatment in a timely manner for 700 consultants.• Developed a collection process to ensure efficient collection of invoices.• Organise regular Embassy meetings in order to provide excellent customer service and good standards of service delivery. Maximise income to the company by receiving payment of old invoices, outline queries and build up a rapport.• Amend invoices and documentation to ensure invoices are paid.• Train the invoicing and collection team to ensure invoices are in the correct format for efficient payment.• Attend regular meetings with the Managing Director on debt issues and concerns

• Key achievements: Developed and implemented a new computer system, gained several clients from competitors, brought in new clients, built up business reputation in the market, developed reporting tools to make collection of invoices more efficient, collected invoices 2 years old for a client where competitors had been unsuccessful, manage the day to day running of the company.• Develop, install and set up a new computer system for billing and collection.• Create contracts/agreements for clients.• Create documentation for invoicing Embassies and clients.• Raise invoices.• Organise regular Embassy meetings in order to provide excellent customer service and good standards of service delivery. Maximise income to the company by receiving payment of old invoices, outline queries and build up a rapport.• Develop marketing material for new clients.• Created a process for invoice collection.• Manage the team including organising contracts of employment.• Develop rapport with clients and Embassies.• Manage the day to day running of the company.

Manage of £40m turnover chasing Insurance Companies, Embassies, individual patients and consultants with reference to medical treatment in a timely manner to minimise the risk of bad debts across multiple sites.Manage a team of 4Initial review of processes and procedures to develop protocols for successful debt collection which has resulted in the reduction of DSO from 129 days to 55.Developed a debt recovery plan for board levelShut monthend periodHeavily involved with a system merger including vigorous testingOrganise and attend regular Embassy meetings in order to provide excellent customer service and good standards of service delivery, maximising income to the Trust by receiving payment of old invoices, outline queries and build up a rapport.

• Key achievements: Retained a customer through constant negotiation with managers and customer; built up a relationship with Fraud to aid risk decisions; mentoring a new team member; adapting to strict bank policies and procedures• Risk assess existing Corporate customers to determine whether facilities are to be granted. If there is a risk to the Bank this is to be secured to avoid any loss• Negotiate security terms with customers which may include visiting the customer• Carry out over £4m reviews and ensure signed off by Senior managers• Following appropriate guidelines and procedures to resolve customer complaints• Perform Control & Checks on team reviews and Complaints to ensure cases are managed within procedures and FSA guidelines• People management duties: monthly team 121’s to assess performance/appraisals, hold regular Team Meetings, recruitment• Update procedures to ensure Banking rules are adhered to• Attend events to raise money for nominated Bank charities

• Key achievements: recruited a Credit Reference Agency to aid the decision making of prospective customers; Debt collection for all companies in the group; built up sales relationships to aid cash collection• Releasing of orders on hold• Query resolution with sales department• Posting daily payments received and monthly statements• Liaise with Euler Hermes for Credit Insurance

• Key achievements: debtor balance £11m; organised in-house legal action to reduce costs; uniform letter cycle to improve cash collection; improved DSO figure in November and December 08 resulting in DSO figure being lowest for the group; maintained the DSO figure for January 09 within the current downturn economic climate; implement fraud check list to avoid losses across all sites.• Ensure that release/stopped orders are attended to in a timely basis and any queries are communicated with the business centres across 3 sites.• Ensure Credit Insurance Policy guidelines are following for direct debits; returned payments; reviewing debts; approving and reviewing credit limits for commercial, agricultural and domestic customers including fraud checks• Liaise with Group Credit Manager to ensure credit limits of £100,001+ are correctly authorised in line with the Credit Control Policy• Propose bad debt provision and manage the litigation function for the debt portfolio via in House Litigation or external Solicitors• Review DSO figures and maintain appropriate levels

Key achievements: Introduced Cash monitoring chart for the team; cash promise log; training staff; set up a letter cycle; written a Credit Policy; Debt collection and query resolution

• Key achievement: Debtor balance £40m; Involved in the set up of a Shared Service Centre resulting in a major organisational change strategy; uniforming processes, procedures and reporting across each business unit across different sites; re-educating sales teams by carrying out workshops within each business unit regarding the streamlining of the process, illustrating of dunning cycle and its impact; reduced DSO from 63 to 59 days in the first quarter even when a new computer system was installed; increased cash collection recovery rate by 4% (£0.5 million) in second quarter with teething system problems hindering cash collection; involved in the set up of a new credit vetting team to improve cash collection; user testing for a new computer system• Hold monthly credit meetings with the sales team for each business unit across different sites. Discussing > 90 day debtors, disputes, bad debt provision and credit note provision• People Management duties: recruitment, performance management.• Month-end reporting highlighting cash collection recovery rate for the team

• Key achievements: Debtor balance £10m; set up forecasting of actual’s v target for each credit controller; revamped letter cycle to improve cash collection; introduced putting processes and procedures into Visio Flowchart format for easier use; revamped month-end process; involved sales account managers to aid cash collection at year-end• Assess credit vetting decisions and signing Master Lease agreements on behalf of the company• People Management duties: train, coach and motivate the team in order to achieve their targets, hold regular meetings to review target performance, recruitment • Analysis of top debtors for Europe and UK. Report these to senior management and Parent Company including month-end reporting

• Key achievements: debtor balance £25m; closer monitoring of team by ensuring cash collection targets were met on a monthly basis; telephone call targets being met; unallocated cash targets met and effective query resolution; implemented reporting tools in order for accurate month-end forecasting• Setting individual and team targets for the collection of cash and reduction of aged debt. Ensuring targets are met to strict deadlines and prioritise to business critical requirements• Monitoring the standard/quality of calls and ensuring calls are reviewed• People Management duties: recruitment, conducting 121 sessions, performance management, appraisals • Complete month-end statistics for management and financial accounting• Support and deputise for the Credit Control Manager

• Key achievements: set up arrears and litigation system for the whole of Europe and attending User Groups throughout Europe; streamlined processes and wrote new procedures to make cash collection more effective; completed a new process for reinstating customer contracts; set up and implemented a payment plan process• Debt collection, query resolution, arrangement for repossession and litigation, month end reporting• People Management duties; recruitment, management of team and workflow

Key achievements: tested a new automated calling system; set up a uniform diary template so each team member can progress chase the debt from the previous collector; Debt collection and query resolution

Key achievements; revamped the credit vetting process; re-drafted the company’s standard chaser letters and forms in order for credit control to be more efficient; set up a month-end closure procedure; Order processing, credit vetting, invoicing and debt collection for 500 live accounts

Key achievements: streamlined processes over several sites; assisted in the installation of a new UNIX system; dealt with 1000 live accounts; Order processing, credit vetting, invoicing and debt collection; In house litigation via small claims court; conducted the weekly payroll for cash payments