Led and managed a team of credit controllers, providing guidance, support, and training as necessary.▪ Implemented effective debt collection strategies to minimize aged debt and improve cash flow.▪ Developed and maintained credit control policies and procedures in line with organizational objectives.▪ Prepared regular reports on credit control performance, including aged debt analysis, cash collection forecasts, andcredit risk assessments.

Spearheaded successful business development initiatives aligned with company's strategy and corecompetencies.▪ Assessed performance management structures and implemented enhancements to improve frameworks andstrengthen results. Led change and transformation across business areas to deliver benefits and aligncompany resources.▪ Documented processes and drafted SOPs to comply with regulations and company policies.

Working on the arrears of the newly acquired books of Roof Top Mortgages by JP Morgan Chase. Handlingcustomer complaints regarding the charges incurred on the mortgages.▪ Working closely with the top management of the specialist arrears department to get the portfolio accounts upto date.

▪ Dealing with the customer and shareholder queries regarding the new rights issue that Halifax Bank of Scotlandhad announced. Receiving customer queries and complaints over the phone, e-mails and letters.▪ Suggesting appropriate response to management regarding the complaints and queries received. Respondingback to customer if a response is requested by phone or letter.▪ Making team rotas on behalf of the team leader.▪ Dealing with other team issues like invoices and time sheets.

▪ Credit Control polic implementation.▪ Advising on appropriate action on accounts in critical situations. Root Cause Analysis and report to seniormanagement.▪ Responsible for TCF objectives for litigation areas.▪ Ensuring compliance with FSA principles and Business rules. Responsible for ‘Complex Portfolio’ of accounts.▪ Liaising with internal and external stakeholders.▪ Feedback to ‘Risk Analysis Team’ to assist in Risk Policy Implementation.

▪ Duties included paying suppliers, dealing with queries on the phone, and handling the post. Used coordinationand planning skills to achieve results according to schedule.▪ Drove operational improvements which resulted in savings and improved profit margins.

▪ Duties included dealing with incoming mail, scanning and processing invoices. Also dealing with suppliersand general administration duties.▪ Assisted coworkers and staff members with special tasks on daily basis.