Houda Aarchi
Credit & collection Manager
Clifton,USA
Summary
Experienced Credit and Collection Manager with over 7 years of expertise in managing accounts receivable, cash applications, and credit reviews. Known for meticulous record-keeping, thorough credit checks, and effective customer communication. Proficient in utilizing software systems such as SX, Crystal, SAP, Cloudsuite, Tableau, Excel, Coface, Experian, and ARMS. Proven track record of overseeing credit and collections operations while driving process improvements. Excels in handling escalated accounts and prioritizes team collaboration for exceptional results. Adaptable nature well-equipped to meet changing industry needs.
Overview
13
13
years of professional experience
Work History
Credit And Collection Manager
EPOCH
07.2019 - Current
- Maintain detail records of all internal customer contacts including keeping track of all payment plans and negotiation notes
- Perform credit checks and monitor customer credit limits
- Generating demand letters and keeping ans up to date spread sheet of all delinquent customers and their promise pay dates
- Established clear performance goals for the team that aligned with organizational objectives, driving success through focused effort and accountability.
- Optimized risk assessment procedures for more accurate evaluations of potential clients'' creditworthiness.
- Providing timely follow-up with customers, sales team members and other Company team members regarding any concerns which impact Credit/Collections
- Negotiated favorable payment terms with customers, balancing business needs and client relationships.
- Developed comprehensive reports for senior management, providing insights on key performance metrics within the credit and collections department.
- Developed and implemented strategies to optimize the collection process, resulting in a 90% increase in overall collections
- Analyzed delinquent accounts and developed customized repayment plans based on individual financial situations, leading to a decrease in outstanding balances
- Implemented an automated reminder system for overdue payments, reducing late payments
- Conducted regular performance evaluations for collection agents, providing feedback and coaching to improve productivity and efficiency
- Negotiated settlements with customers who were unable to pay their full debt amount, recovering 94% of the total owed funds
- Maintained accurate records of all communication with debtors including phone calls, emails, and letters sent regarding outstanding debts
- Implemented training programs for new collection agents on effective negotiation techniques and compliance with industry regulations
- Implemented continuous process improvements through regular review of policies, procedures, and best practices in the credit and collections field.
- Evaluated staff performance periodically through objective metrics such as collection target achievements and customer feedback, fostering a results-driven culture within the team.
Account Receivable Specialist/ Cash Application
Suburban Propane
09.2011 - 01.2019
- Calculated discounts, percentage allocations and credits and Closing processes spearheaded process improvements to secure prompt and regular Payment coordination receipts for organization
- Applied and posted high volume banking transactions through ADD, Microsoft Office CIP, VISTA system for cash, cash wiring (ACH), and credit cards, Invoicing checks in a timely manner
- Reconciled AR internal and external accounts activities into spread sheet
- Helped guests every day by processing payments, monitoring reward accounts and resolving service concerns
- Assisted customers with special services, account updates and ONLINE promotional options and applied credit memos and refunds
- Organized and reported on financial information to document payment histories and assist with sound financial accounting, with the ability to meet all deadlines required by the department
- Heavy communication with clients, internal accounting department and credit and collection for additional documentation that's required in resolving customer issues
- Provide excellent customer service to internal and external teams
Education
Bachelor's degree - Bachelors of science in Business
Capella
Minneapolis, MN10.2023
Skills
- Accounts Receivable
- Debt recovery
- Cash flow management
- Payment processing
- Credit analysis
- Bankruptcy procedures
- Dispute resolution
- Collection strategies
- Teamwork and collaboration
- Problem-solving
- Time management
- Attention to detail
- Problem-solving abilities
- Critical thinking
- Proactive and focused
- Financial analysis and reporting
- Risk assessment
Languages
English
Native or Bilingual
French
Professional Working
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Accomplishments
- Supervised team of 5 staff members.
- Collaborated with team of Sales, customer service and operations team in the development of Striper, Digital RIver.
- Achieved new company process by introducing Docuware for Epoch Customer Service team and Warehouse team.
Timeline
Credit And Collection Manager
EPOCH
07.2019 - Current
Account Receivable Specialist/ Cash Application
Suburban Propane
09.2011 - 01.2019
Bachelor's degree - Bachelors of science in Business
Capella
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