Experience

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  International Rescue Committee

  • Financial Coach

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  International Rescue Committee

  • Washington DC-Baltimore Area

  • Financial Coach

    • May 2023 - Present
    • Washington DC-Baltimore Area

    As a Financial Coach for the International Rescue Committee (IRC) in Baltimore, I am helping refugees and asylees to reach their personal and financial goals here in the Baltimore area, and providing advanced career training for individuals and groups, utilizing both my experience in the non-profit and for-profit worlds.

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  Self-employed

  • Online English Teacher

    • Jan 2021 - May 2023

  • Online English Teacher

    • Dec 2020 - May 2023

    I am an Online English Teacher, MBA, MSW, BA Education, TEFL Certified. I have taught students for IELTS and TOEFL prep, for academic and business writing, and for English conversation. I study linguistics, sociology and history on my own, and have written primers on Devanagari (Hindi) and Urdu script (available on Amazon). I speak/write/read Hindi and Urdu at an intermediate level, German at upper beginner, Spanish and Italian at beginner level, and some exposure/knowledge of Japanese, Korean, French, Arabic, Russian, Romanian and Kashmiri.

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  Pompeian

  • Baltimore, Maryland

  • Credit & Collections Supervisor

    • Dec 2018 - May 2023
    • Baltimore, Maryland

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  RJK Artisan Imports, Inc

  • Baltimore, Maryland

  • Co-Owner

    • May 2018 - Jul 2019
    • Baltimore, Maryland

    RJK imports was a start-up between myself and my Kashmiri friend and business partner. We imported hand woven pashmina clothing accessories, rugs and handicrafts directly from Srinagar, Kashmir (India) for sale in the US. Our goal was to deliver the joy of Kashmiri craft to the Mid-Atlantic and beyond.

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  McCormick & Company

  • United States
  • Food and Beverage Manufacturing
  • 700 & Above Employee

  • Collections & Deductions Supervisor- Specialty Team

    • Jun 2018 - Dec 2018

    I am currently the Collections and Deductions Supervisor for three companies within McCormick & Company. I oversee a bilingual collections and deductions of 7. I manage aging performance and provide reporting on DSO in order to increase cash flow while enhancing customer relationships and revenue growth.

  • Collections Supervisor- Mojave Foods

    • Mar 2018 - Jun 2018

    As Collections Supervisor for the Mojave Foods line at McCormick & Company, I oversaw a bilingual collections and customer service team and provided financial controls and management of service level agreements in order to increase cash flow while enhancing customer relationships and revenue growth. Mojave Foods and their El Guapo line targets the Latino grocery and food market throughout the US.

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  Kenseal Construction Products

  • United States
  • Building Materials
  • 1 - 100 Employee

  • Credit Manager

    • Aug 2012 - Dec 2017

    I manage the Accounts Receivable and Credit department of 4 employees, covering 3000 accounts for 14 stores across the east coast. I report directly to President, and work closely with other department executives to ensure synergy and coordination of efforts. Since taking over the Credit Department, our average percent current has outpaced our sales growth by 4%, DSO has decreased by 3% and bad debt has decreased by over 50%, all while decreasing our cost of collecting, and increasing our bad debt recovery. I successfully managed the department through the merger with AH Harris, adapting our processes to the needs of our new parent company. I am a department lead in the ongoing “mega process review” for the corporation. I have achieved these results through process efficiency, BI technology, empowerment of employees, and creation of statistical measurement and target metrics. Highlights include:*improved management of credit limits, and better management of low-volume accounts (38% reduction in past-due balances for this class of customers)*created and managed credit department metrics and statistics*improved management of lawyers and job rights to reduce collection costs and decrease bad debt*improved training of credit associates to manage job rights, and make use of a diversity of escalation techniques*employed reporting and BI technology, maintained dashboards and push reports*developed project management and collaborative technologies *improved training and expectations regarding credit applications and facilitation of new accounts and job opportunities*increased accountability to credit associates for all functions of their job, including collaboration and communication with sales and customers

  • Credit Associate

    • May 2011 - Aug 2012

    * Managed portfolio of 1500 customers for two of four branches, 7 warehouses. * Managed top 25 accounts for all branches. * Reduced aging from 20% to 15% past due in first year * Contacted customers for payment, manage credit limits and "hold" status, and process credit applications. * Liaison for sales, providing credit solutions for large jobs. * Managed job rights, bond rights, lien rights. * Escalate account collections in a timely fashion. Process bond claims, liens, as well as legal action and bankruptcy claims. * Managed construction project relationships, with general contractors, subcontractors, owners and/or government entities. 98% of portfolio was under 75 days by the end of year 1 in this position. Record setting performer for the company.

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  West Music Company

  • Collections Specialist, Accounts Receivable

    • Jan 2006 - Dec 2010

    * Decreased aging by 22% and annual bad debt write-offs by 30% ($67,300)* Digitized bad debt records and maintained the database* Researched and initiated automated past-due reminder calls, saving 25 work hours for the company from August to October 2010* Worked with upper management to expand automatic calls to other departments; created various collections reports for upper management* Designed training and procedural manual for A/R and collections* Managed bankruptcy, bad debt and past-due accounts for five retail stores in Iowa and Illinois* Provided internal and external customer service , A/R liaison for two DBA’s* Coordinated instrument repossession and supervise repossession agent; worked with law enforcement and county attorneys for legal action on fraud and theft; submitted and monitored claims for past-due customers in bankruptcy; worked with 3rd party companies to ensure correct billing and facilitate collections of bad debt* Credit management: Ran credit checks, processed payments and refunds* Before leaving, was developing uniform procedures for billing repairs, and working with A/R Supervisor to create a comprehensive training and procedural manual for A/R