As the Regional Manager, my scope has increased and now I am responsible for the following Credit Management activities -Collections, Credit Risk, Credit Control, Cash Application, Cash Management and Export Documentation Services.

Two major aspects of my role running parallel to each other: One is the career growth for my people. I have 12 people reporting into me, mostly from India and one from The Netherlands. Second is the responsibilty for mitigating/minising the risk bad debt for the nearly 30,000 customers that we do business with.

Accountabilities:People Building up a new team as this is the first year of transition. Current team size is 9 handling 27 countries. Ensuring team is motivated and up skilled by conducting training sessions. Addressing concerns within the team, within the O2C department and from the stakeholders. Recognizing people based on their work ethics and passing on feedback regarding areas of improvement. Recruitment of candidates, monthly bilateral meetings and year-end review meetings. Ensuring proper backup is being created so that the process runs smoothly even in the absence on the key resource. Handling team meetings within the O2C vertical as well as at the FRA level (which includes R2R, P2P and T&E).Process Monitoring the process specific KPIs and ensuring they are met. Ensure full compliance to internal controls. Approval of credit limits and order blocks after close scrutiny of customer financials and relationship with Novartis. Proper work allocation and handing of critical situation due to unplanned emergency leaves by the team. Identifying process gaps and converting them into opportunities for standardization/ process improvements. Filed 4 process improvement ideas.  Extending support to handle the process when times are critical and involving in actual production to achieve the team objective.Awards & Recognitions: Received “Gold” award for involvement in the process and in the transitions. Spark Award for handling the process during the Covid crisis and ensuring minimal to no disruption to productivity and quality.

- Handling a team of 9 analysts to ensure quality and productivity per the SLAs.- Approving credit limits based on the evaluations written by the Credit Risk Assessment Officers after close scrutiny of the presented financial and/ or non-financial information.- Chairperson for the day start meeting with the front office.- Conducting bilateral with team members to pick up issues and resolve them.- Nominating team members for the monthly and quarterly awards based on their performance. - Preparing ad hoc reports and presentations to the top management in terms of team productivity and quality.- Involved in the recruitment process of candidates within the team as well as outside.Awards & Recognition:- Moved to the role of an approver within 2 months of writing evaluations (first in the team to receive this achievement).- Appreciation e-mail from the clients for quality evaluations.- Bright Spark award from the Operations Director.- Improved the quality of credit evaluation which was a big concern when I took over the team in February.- Within 5 months was given the responsibility to handle a second team which dealt with order block management.- Reviewing the existing working instructions/SLAs to bring in new controls or documenting change in way of working so that the risks are minimized.- Achieved lowest ever backlog in the history of DSM through proper allocation.- Picked up numerous gaps in the process which was not highlighted since the onboarding of the process.- Department presentation to the senior leadership team and to external vendors.- First team to achieve a maturity level of 4 in the day start meetings.- Awarded employee of the quarter - Q4, 2017.

Account abilities:- Handling a team of 3 analysts to ensure good quality of reviews sent across to the management team in US.- Quarterly review of major customers through financial analysis & 10K & 10Q publications, Dun & Bradstreet Report along with other third party reports and references. - Performing cash flow, financial statement analysis & industrial trend analysis by devising advanced accounting skills.- Recommend an appropriate credit review and rating for the customer.- Assessing customers credit risk and rendering mitigation strategies / suitable structures to address the same.Awards & Recognition:- Appreciation e-mail from the CFO of the company for good quality work and service rendered to the onshore team. - “Customer Champ” award for good customer satisfaction. - “Customer Delight” award for good quality work, on time delivery and customer satisfaction.- “Extra Miler” award for quality work and taking initiatives to train new employees and scaling them up.

- Performing credit analysis on potential customers who approach HDFC Limited for housing loan. - Careful review of the salary slips to check if they would qualify for the loan amount.- Also perform a review of their CIBIL report to check for repayment track record of other loans availed (if any). * Note - Since the tenure was very less, they have not provided me with a relieving letter.

Quarterly review of major customers through financial analysis & 10K & 10Q publications, Dun & Bradstreet Report along with other third party reports and references. Performing cash flow, financial statement analysis & industrial trend analysis by devising advanced accounting skills.Recommend an appropriate credit review and rating for the customer.Assessing customers credit risk and rendering mitigation strategies / suitable structures to address the same.

Filing Income Tax Returns for Ford Motor Company & its affiliates. Analyzing the nature of the income/revenue and segregating based on whether it is an operating or non-operating income. Highlights:Was a part of the Green Belt team for Process Improvement.Academia

- Was in the training/ bench for first two months post which I was moved to Market Research Team. - No on-the-job experience. Resigned within 4 months as I was not interested in the role.