Experience

MEDIHEAL GROUP OF HOSPITALS

• Kenya
• Hospitals and Health Care
• 200 - 300 Employee

• AVP - Revenue Performance

  • Jan 2017 - Present

  $50 MN Multispecialty Hospital Group with a presence in Kenya, Rwanda & Uganda with 11 branches and 1400 employees. AVP – Revenue Performance (Apr 2022 – Present) Dy. General Manager – Business Finance (Jul 2019 – Mar 2022) Group Head – Credit Control (Jan 2017 – Jun 2019) Designed products & pricing to meet the needs of clients (health insurance companies). Administered Capex & Opex budgets and raised & channelized funds effectively. Headed Revenue Growth Per Client, Net Profit Margins, Client Negotiation & Retention, Revenue Concentration, Accounts Receivables, and Working Capital. Analyzed performance trends and identified improvement & growth opportunities. Finalized monthly performance & revenue numbers and presented them to the Top Management. Highlights Participated in tendering and contracting for Government business and attained 50% of the total business revenues. Reduced fixed costs by 20% during the pandemic. Increased net margins by 2.8% through working capital optimization, enhanced collection efficiency, and reduced interest cost. Introduced stringent credit policies and reduced annual bad debt provisioning to 1%. Restricted business / re-negotiated terms with clients defaulting in payments. Slashed bad & sticky debts by 93%, increased profitability by 8%, reduced bad-debts provisioning and strengthened books of accounts. Collected 97% of the annual credit business through customer-centric and incentives-based approaches. Negotiated with financial intermediaries and enabled clients to secure additional working capital at optimal costs. Generated additional 4% - 7% revenues during peak seasons. Coordinated with PEs & VCs for funding requirements. Finalized trade risk insurance for large-exposure clients; generated 11% additional annual business reduced risk. Show less



Savex Technologies Pvt. Ltd

• India
• IT Services and IT Consulting
• 700 & Above Employee

• Senior Manager - Credit

  • Jun 2016 - Nov 2016

  ICT Hardware, Software & Enterprise Products Solutions. Turnover - $740 MN, 1200 employees and 68 branches in India Headed the credit risk portfolio for key corporate clients. Monitored payment behavior and credit limit enhancements. Managed credit appraisal & credit underwriting for micro-enterprises and channel partners. Covered credit risk for major clients under credit insurance. Assisted clients with channel financing opportunities for improved fund utilization. ICT Hardware, Software & Enterprise Products Solutions. Turnover - $740 MN, 1200 employees and 68 branches in India Headed the credit risk portfolio for key corporate clients. Monitored payment behavior and credit limit enhancements. Managed credit appraisal & credit underwriting for micro-enterprises and channel partners. Covered credit risk for major clients under credit insurance. Assisted clients with channel financing opportunities for improved fund utilization.



neoteric infomatique limited

• India
• IT Services and IT Consulting
• 200 - 300 Employee

• National Credit Manager

  • Sep 2008 - May 2016

  ICT Hardware, Software & Enterprise Products Solutions. Turnover - $220 MN, Headcount -700+, Branches in India – 46 National Manager – Credit & Receivables (Apr 2014 – May 2016) Manager – Credit & Receivables (Apr 2013 – Mar 2014) Assistant Manager – Credit & Receivables (Apr 2011 – Mar 2013) Senior Executive – Credit & Receivables (Apr 2010 – Mar 2011) Executive – Credit & Receivables (Sep 2008 – Mar 2010) Assessed the creditworthiness of corporate clients. Administered Credit Underwriting of SME / Equipment / Channel Finance Proposals. Spearheaded Pan-India credit risk portfolio with a 65-member team of regional credit controllers across branches. Administered credit for West, South & East India Regions which accounted for ~80% of the total company revenue. Identified opportunities for cross-selling products to customers. Coordinated with heads of Finance & Supply Chain; effected smooth fund flow for issuance of BGs & LCs for vendors. Customer/ Channel Management Ensured documentation, approvals, and compliance with organizational credit policies. Created credit scoring models to predict risks; liaised with financial institutions for products and financial arrangements like channel financing and commercial credit facilities. Managed channel partners, optimized resources, and grew revenues. Tracked customer needs; instituted a culture of service excellence, customer centricity, and process improvements. Operations & Team Management Reviewed performance of business units, prepared MIS reports, and monitored overdue payments & delinquencies. Implemented ERP. Show less



YES BANK

• India
• Banking
• 700 & Above Employee

• Management Trainee - Business Banking

  • Dec 2006 - Feb 2007

  Visited Customers and assessed requirements for Term Loans & Working Capital. Prepared financial analysis & documentation for credit approval & disbursal. Visited Customers and assessed requirements for Term Loans & Working Capital. Prepared financial analysis & documentation for credit approval & disbursal.