MULLAI PON SATHIYAN
Singapore
Summary
Highly motivated individual with 12 years of experience in credit collection to utilizing skills and abilities in any industry that offers professional growth while being resourceful, innovative, and flexible. Analytical and organizational skill with opportunities to work with others as well as to apply the leadership and problem-solving skills.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Analyst- Fiduciary Accounts (Credit Control)
Guy Carpenter
09.2022
- Ensure timely settlements from Client/Re-insurer in accordance to contract terms
- Reconcile outstanding balance with Client/Re-insurer & identify problem areas and research unapplied cash balances when required
- Review collection report with Manager and agree on targeted goals
- Perform cash allocations & generate remittance advice in GRAIL system
- Establish and maintain professional relationships with Client/Re-insurer
- Minimize foreign currency exposures by ensuring prompt settlement to Client/Re-insurer
- Engaged in debt collection process, and recover 30% of bad debt provision and help underwriters to renew contracts.
APAC Credit Controller [Malaysia – Labuan & Singapore Market]
AXA XL
10.2018 - 07.2022
- Monitoring of premiums that falls due / overdue
- Send monthly broker statements and engage with broker meetings
- Liaise with underwriters, brokers, and management to progress of collection process
- Reconciliation of brokers' statement/payments made to offshore service center
- Monitoring & matching of receipts and unallocated receipts
- Liaising with team responsible for premium booking/resolving discrepancies and accelerating collection process on aged debt
- Minimize foreign currency exposure by ensuring prompt settlement to Client/Re-insurer initiates and handles relationship with Brokers, Clients, and Re-insurers to understand issues.
- Optimized credit approval and collection processes, improving operational efficiencies by over 80%
Credit Control Executive (Finance)
AIG Asia Pacific Insurance
02.2018 - 08.2018
- Handles credit control portfolio for Agents, Brokers, Travel Agents, Inter-company, and Direct Marketing Scheme Partners & Direct Customer
- Arrange for bank deposits for all cheques collected and prepare end of day reporting
- Collect cash from front counter reconcile with report and prepare deposit slip to bank in
- Handling complaint cases and issue manual refunds to customer on time-to-time case basis
- Review journals, refunds, maintenance, banks audit & IPP installment plan
- Handle monthly chaser and follow-up with respective parties on outstanding premium
- Liaises with internal/external auditors on audit issue and liaises with shared service on various activities handle by Manila team.
- Enhanced cash flow by developing and implementing effective credit control policies
Credit Controller (Account Receivable)
Booking.com- Customer Service Center
01.2017 - 12.2017
- Collect Open Invoices and involve with 90+ project to ensure minimize bad debt and recover aging from accommodation Partners in India Subcontinent regions
- Handling billing and finance related requests via internal tools, assisting with queries about payment of invoices and any other Credit Control procedures
- Monitor overdue debtors, identify, and action significant collection risk issues and minimize overall DSO
- Communicate proactively and clearly with internal and external partners on significant issues to indicate progress and to resolve queries
- Involving projects to minimize bad debt exposure by conducting recurring account reconciliations, close monitoring of credit limits and prompt resolutions to hotel accommodations disputes.
- Improved cash flow by implementing efficient credit control policies and procedures
Credit Control Officer (Finance-Account Receivable)
DHL Express Pte. Ltd
08.2014 - 10.2016
- Communicate and coordinate collection with various countries especially for Asia-Pacific Region (India, Malaysia, Philippines, and Japan) and USA
- Work closely with other functional to resolve issues which hamper smooth collections
- Interface with customers to solve credit and billing problems actively and aggressively in timely manner
- Retrieve invoices and/or airway bills and/or duty related support documents on request and send to customers
- Spend at least 90% working time on collection related matters by making outbound/inbound calls, email, and customer visits
- Resolved complex customer issues while negotiating immediate or extended payment arrangements
- Monitor credit accounts and review delinquent customers with Credit Control Supervisor for action
- Assist in dispatch of invoices, airway bills, reminders, and finance charge letters.
- Collaborated with sales teams to establish credit terms that balanced risk and revenue potential
Credit Control Executive - Receivable Management Services
Pinnacle Credit Service Pte Ltd
01.2014 - 07.2014
- Call customers for payments and follow-up on overdue payment
- Perform administrative duties, inquiries, arrangement, and monitoring of debts
- Update and maintain credit control system
- Ensuring and executing all collections activities in conformance to existing company policies and guidelines
- Ensuring due diligence are exercised in all dunning activities relating to action turnaround time and follow up
- Negotiate payment schedules that will ensure maximum profitability and minimum risk exposure to company.
- Optimized credit approval and collection processes, improving operational efficiencies by over 50%
Credit Collection Officer
DBS Bank Ltd
07.2013 - 10.2013
- Contact customer by phone to remind them of overdue payments and render prompt service on Customer request
- Provide customer with sufficient information to make correct payment to Bank
- Review customers' profile and recommend most effective collection actions
- Negotiate payment schedules that will ensure maximum profitability and minimum risk exposure to bank.
- Increased customer satisfaction by promptly addressing and resolving credit collection disputes
- Developed strong relationships with clients through excellent communication and negotiation skills, leading to successful payment arrangements
- Reduced delinquencies by implementing effective follow-up strategies for overdue accounts
Credit Management Recovery Officer
Aiqon Capital
01.2012 - 01.2013
- To coordinate, negotiate, manage, administer, and monitor entire debt recovery process, assisting in driving corporate activities to achieve debt collection targets
- Works with minimum of supervision on collection of overdue accounts
- Responsible for debt collection and credit management for customers & liaising with customers / associates on payment matters
- Identify bad debtors and potential bad debtors and recommend proper actions to management to minimize bad debts
- Perform credit risk evaluation, credit analysis and credit review
- Analyze and prepare credit proposals on non-performing debts.
- Effectively managed diverse portfolio of loans, ensuring compliance with internal policies and regulatory requirements
Senior Reconciliation Executive & Process Trainer
HSBC Bank
10.2005 - 02.2011
- Primary function of this role will be to perform top day and reconciliation functions in Smart stream TLM system and other number of systems
- Reconcile ledger against bank/custodian statements daily
- Checking of daily nostro accounts balances and upload files to ensure completeness of data feed into TLM system (Transaction Life Management) Comply with internal controls and protect assets of company
- Involve in SOX (Sarbanes-Oxley Act) Control testing and liaise with external and internal auditors and preparing report.
- Create SWIFT messages for return of funds and other general correspondences and familiar with SWIFT messages of MT 950, 608, 535, 299, 199, 999 etc.
- Collaborated with cross-functional teams to identify skill gaps and develop targeted learning solutions for ongoing improvement
Education
Diploma in Psychology -
Kaplan Higher Institute
SingaporeSkills
- Ability to Multitask
- Effective Time Management
- Ability to Work in as Team
- Analytical and Problem-Solving skills
- Account Reconciliation
- Microsoft Office
- Communication and Negotiation
- Analytical Thinking
- Attention to Detail
- Excel Proficiency
- Problem Solving
Current Expected Salary
$4,800, $5,000
Availability
1 Month Notice period
Personal Information
Nationality: Singaporean
Certification
- Cybersecurity Bootcamp, Vertical Institute -
August 2023 - September 2023
Languages
English
Bilingual or Proficient (C2)
Malay
Bilingual or Proficient (C2)
Tamil
Bilingual or Proficient (C2)
Timeline
Analyst- Fiduciary Accounts (Credit Control)
Guy Carpenter
09.2022
APAC Credit Controller [Malaysia – Labuan & Singapore Market]
AXA XL
10.2018 - 07.2022
Credit Control Executive (Finance)
AIG Asia Pacific Insurance
02.2018 - 08.2018
Credit Controller (Account Receivable)
Booking.com- Customer Service Center
01.2017 - 12.2017
Credit Control Officer (Finance-Account Receivable)
DHL Express Pte. Ltd
08.2014 - 10.2016
Credit Control Executive - Receivable Management Services
Pinnacle Credit Service Pte Ltd
01.2014 - 07.2014
Credit Collection Officer
DBS Bank Ltd
07.2013 - 10.2013
Credit Management Recovery Officer
Aiqon Capital
01.2012 - 01.2013
Senior Reconciliation Executive & Process Trainer
HSBC Bank
10.2005 - 02.2011
Diploma in Psychology -
Kaplan Higher Institute
- Cybersecurity Bootcamp, Vertical Institute -
August 2023 - September 2023
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