Experience

SG Fleet UK

• United Kingdom
• Motor Vehicle Manufacturing
• 1 - 100 Employee

• Credit Analyst

  • Jan 2018 - Present

  ★ I enjoy building, maintaining, nurturing, and managing strong professional relationships that have directly contributed to the advancement of company mission. ★ My comprehensive knowledge base, experience, and skill set enable me to resolve complex credit related disputes, and simplify loan language for clients and team members. ★ Due to my efforts, 95% of deals have been funded using non-traditional, alternative options as well as restructured deals. ★ I guarantee adherence to all rules, regulations, laws, guidelines, policies, and procedures in order to safeguard operations, documents, and sensitive portfolios. ★ My top accomplishments here are many, and include attaining optimal rates and improving company profit lines by productively liaising and coordinating with funding managers. Show less



Radius Payment Solutions (UK Fuels Ltd.)

• Crewe

• Monitoring Supervisor

  • Apr 2012 - Dec 2017

  ★ I specialize in reviewing and monitoring credit limits for UK and European ledgers. ★ Under my leadership, the financial status of customers and clients is continuously strengthened and reinforced. ★ I conduct in-depth research and examination of a myriad of materials in order to enact improvements for the administrative, financial, capital, and portfolio aspects of operations. ★ My communications, relationship building, and problem solving abilities have empowered multiple different teams and departments to reach their personal and professional best. ★ Last but not least, I have been successful in raising both acceptance and collection rates for the company. Show less



Ryman

• Retail
• 400 - 500 Employee

• Business Accounts Manager

  • Oct 2011 - Apr 2012

  ★ Setting up of in house credit policy and underwriting of new applications. ★ Looking after a team of 4 processing 200+ application per day. ★ Setting up of in house credit policy and underwriting of new applications. ★ Looking after a team of 4 processing 200+ application per day.



Doubletake Studios Limited

• London, United Kingdom

• Collections Manager

  • Aug 2010 - Jul 2011

  • Develop internal lending policies and implement 3rd relationship with credit scoring agencies. • Implementing pre-meeting credit score process, giving our sales team increased options to maximise sales potential. • Creation of new In-house agreement, income and expenditure and Pre-contract forms to meet with change to CCA lending regulations and comply with EU Directive dated 1st Feb 2011. • Improving acceptance rate on 3rd party finance via more specific lending practices. • Increase In-house and external collection values. • Setting up new processes to comply with UK collections regulations. • Setup 3rd party collections for In-house pre-legal and legal work. • Mapped and project managed credit scoring matrix, which has reduced the company costs of sale commission from 27% to 14%. • Research and develop relationship with new 3rd party financing partners, which has also resulted in a £1.3m purchase of ledger. • Reduced sales error rate of agreement forms from 55 per week to 28. Show less



Pestana Chelsea Bridge Hotel

• London, United Kingdom

• Credit Control

  • Jul 2010 - Aug 2010



General Electrical Commercial Distribution Finance Europe Limited

• Weybridge, Surrey

• Portfolio Control Manager

  • Feb 2008 - Jun 2009

  • Reviewing applications for credit for stocking finance of customer items from £5,000 to £10 million per item. • Working with sales manager to increase company portfolio of products being used by client and looking for cross selling opportunities, whilst maintaining acceptable risk or obtain securities. • Recovery of outstanding finance by working with a clients to maintain their business, improve cash flow or recovery of stock items and onwards retail to obtain best price in UK, Europe or worldwide markets. • Offering services, advice, suggestion and ideas to client to improve company policy, trading and cash flows. • Scheduling meetings with internal and external client to maintain portfolio and improve company, client and personal relations. • Provisioning for GBP, Euro and US currency accounts. • Reviewing procedures, detailing and implementing new or amended process or procedures. • Received Awards for two projects; Improvement to Bank renewal procedure – Saving the company an estimated 480 hours of work per year and resolution of $12m single arrears account without loss. Show less



HSBC, NatWest and HFC Bank

• London, United Kingdom

• Senior Counsellor.

  • Apr 1997 - Apr 2001

  •Customer lending (Personal lending up to £25k) and reconciliation of debt. •Maintaining and update client portfolios and accounts. •Customer service & sales where I achieved 143% of target. •Maintaining customer portfolios and whilst increasing their company value. •Administering and delegating general work to a team of 4 employees. •Dealing with customer queries & fraud cases. •Customer lending (Personal lending up to £25k) and reconciliation of debt. •Maintaining and update client portfolios and accounts. •Customer service & sales where I achieved 143% of target. •Maintaining customer portfolios and whilst increasing their company value. •Administering and delegating general work to a team of 4 employees. •Dealing with customer queries & fraud cases.