Finance and Operations

• Oct 2022 - Present

. Provide analytical and mechanical assistance on day-to-day, quarter and year-end accounting operations; . Reviewing and processing of financial documents such as invoices, bills, and accounts receivable with all reconciliation necessary in preparation for the year-end Financial Accounts; . Checking, collecting, calculating, and entering data in Sage50, Excel or Xero for the accounts; . Preparation of Statutory Accounts and Abridged when necessary and filing in the Core system; . Analysed and summarized client information in preparation of financial reports, such as Profit and Loss and Balance Sheet; . Preparation of bi-montlhy VAT with cross-border invoices and reverse charges; . Preparation on monthly, yearly and roll-out budget; . Preparation of Financial Investment Reports and annual income and expenditure analysis for private clients; . Calculation of initial costs for new projects and products, following by stock analysis and maintenance. Show less

International Exchange Student

• Jan 2021 - Oct 2022

Head of Credit & Risk Operations

• Jan 2017 - Dec 2020

• Managing all credit risk operations for 650 clients in the retail, automotive, manufacturing and transportation sectors, with more than 120 million in bank credit exposure.• Leading the Credit Risk Analyses team, averaging 100 analyses and $ 5 million in approvals daily.• Developing, securing buy-in for, and managing a framework to proactively and reactively manage risks in credit, liquidity, fraud, AML, operational, security, legal and reputational.• Accountable for the training and development of new credit analysts in all aspects of their job function.• Loan Committee member - committee utilised for escalated loans, new product announcement presentation and feedback, and process flow item discussions for all departments.Main achievements:• Developed and implemented improvements to financial analysis that supported yearly sales growth of 36%. • Served as the project manager to develop AML compliance strategy, including milestone establishment and outside vendor effort coordination.• Led the implementation of the digital signature system, gathering and communicating specifications, business requirements and running tests.• Maximised customer loyalty by optimising the credit analysis process and response, and reduced the time to issue approved credit from 3 hours to 2 minutes.• Created and implemented credit policy procedures and product definition documents along with risk reduction.• Increased client's collection realisation rate from 70% to 90%.• Boosted internal productivity and morale by implementing new onboarding, training, and diversity, inclusion, and belonging policies. Show less

Credit Risk & Fraud Specialist

• Jul 2015 - Jan 2017

• Managing risk by determining the creditworthiness of corporate loan applicants; analysing a range of financial data, including net operating income analysis, balance sheets, income/cash flow statements, budgets, and projections.• Managing the development of risk scoring approaches for credit, attrition, fraud and profitability.• Minimising bank risk by conducting due diligence on the legal and financial background of clients, key partners and vendors before entering a formal relationship.• Testing company AML investigative procedures in conjunction with Legal Department, developing alert criteria and threat thresholds.• Ensuring compliance with all regulations, laws, and bank policies and procedures.• Managing the development of credit risk rating tools, including Expected Loss models, and implementation within pricing, provisioning and risk-adjusted-performance measurement methodologies. Show less

Senior Credit Risk Analyst

• Jul 2011 - Jul 2015

• Performing credit risk analyses for existing and potential customers, assessing customer credit risk, collecting accounts receivables, and helping the company to maintain and maximise positive cash flow and working capital.• Providing data analysis across the entire credit risk portfolio in support of capital modelling and credit risk reporting.• Analysing and promptly reporting financial discrepancies in customer financial statements.• Reviewing contracts and overall credit documents (physical and digital) to ensure regulatory and financial compliance.• Producing risk-rating scores for multiple investments using the company's proprietary risk rating engine and personally generated models and techniques. Show less

Credit Collections Analyst

• Sep 2009 - Jun 2011

• Analysing creditworthiness of new and existing customers. Approving credit lines, making recommendations on lines that exceed this amount and monitoring for potential profit loss or risk of fraud. • Interpreting system generated reports and other data, analysing the impact on overall processes. • Analysing creditworthiness of new and existing customers. Approving credit lines, making recommendations on lines that exceed this amount and monitoring for potential profit loss or risk of fraud. • Interpreting system generated reports and other data, analysing the impact on overall processes.

Office Administrative Assistant

• Nov 2009 - Jun 2010

• Accountable for office purchases, stock control and order management. • Acting as the ISO9001 Auditor, leading the certification to renew process. • Overseeing Logistics & Freight Operations Coordination • Accountable for office purchases, stock control and order management. • Acting as the ISO9001 Auditor, leading the certification to renew process. • Overseeing Logistics & Freight Operations Coordination

Office Administrator

• Jan 2005 - Mar 2009

• Controlling accounts payable and receivable, cash flow, accounting closing and bookkeeping, bank reconciliation, billing, order management and tax management of the head office and 4 branches. • Processing payroll, including sales commission, holidays, etc • Controlling accounts payable and receivable, cash flow, accounting closing and bookkeeping, bank reconciliation, billing, order management and tax management of the head office and 4 branches. • Processing payroll, including sales commission, holidays, etc