MOHAMED AFFAN

Experience

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  Red Stone Trading for Paper Shopping Bags

  Jun 1996 - Sept 1998

  Sales Trainee

  From: June 1996 - 1998 for three months in each year.Role:• Conduct sales face to face meetings and calls. • Negotiation and ensure seamless service delivery to the clients.• Provide customer service to ensure satisfaction.• Handled Invoice and other disputes and customer communications, and potential sales leads.

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  Dutco Group

  Sept 1999 - Jun 2011

  Group Credit Controller and Collection Manager

  https://www.dutco.comDutco Balfour Beatty was originally established in 1947 when Dubai Transport Company (DUTCO) and UK–based Balfour Beatty joined forces to undertake the mega-project that was the construction of Jebel Ali Port. After completion of the project, Dutco Balfour Beatty LLC then engaged in major civil & infrastructure works projects, which included the Arrivals Terminal at Dubai International Airport, “G” station power and water desalination facility, Fujairah Dams, marine works for several artificial islands and the Dubai Mall.My Role:• Ensured that payments are received in accordance with company's current terms. • Controlled risks related to non & late payment.• Revised weekly divisions Debtors Reports from Group Accounts Department with divisions' remarks.• Monitored divisions progress in collections.• Reviewed customers credit application, Set Credit Limits, payment terms & create customers' accounts.• Monitored and reviewed current customers credit Limits.• Ensured that the company has all the relevant information on the debtor. • Followed up retention amounts, and all documents related; resolved customer queries. • Handled legal actions against delinquent customers (Civil & Criminal) recommended write off and provision for bad debts.• Raised monthly higher management credit and collection reports.• Undertook project of Bank Guarantees for reduction and cancellation. عرض أقل

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  Bukhatir Group

  Jun 2011 - May 2014

  Credit and Collection Manager

  https://bukhatirgroup.com/The Bukhatir Group business empire was born in 1974 BIL is one of the most diversified business houses in the United Arab Emirates. Its main interests straddle construction, education, information technology, real estate, shopping, commercial and retail development, sports and leisure, and services. The geographical domain of the Bukhatir Group spans over half the GCC and North Africa. The group has an employee base of over 5,000.My Role:Manage, review and enforce credit policy, monitor the credit granting, conduct periodic credit review, set collection strategies, action plans, develop and deliver reports within the field of Credit Management and Collections.• Administered grant of Credit to customers as per company policies and procedures.• Met customers to ensure collection targets are met in-line with procedures. • Led the development of the Credit Section within the Finance Department. • Managed inter departmental coordination to ensure alignment in processes and procedures regarding Credit management and Collections; enforced and maintained credit policy.• Regulated the credit granting and updating process, monitored periodic credit review.• Assisted in the process of customers' accounts opening, closing, monitoring, and upgrading, setting payment plans for outstanding debts.• Collaborated with the management and sales team in credit management and collection.• Maintained relations with credit bureaus, collection agencies, lawyers, liquidators, and governmental representatives (when required).•Provided advice to managers and sales staff regarding credit management, collections, and payment terms in contracts as well as providing legal advice in the same area.•Mentored sales team and customers in action's credit policy; called for weekly Credit Meetings with Business Unites.•Management maintained all the relevant information on the debtor & take full hold of outstanding sales balances before due date to confirm payment. عرض أقل

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  Kuwait Food Company (Americana)

  Jun 2014 - Feb 2018

  Receivables & Revenue Controller

  www.americana-group.netwww.gulfa.aeGulfa was established in 1975 in the United Arab Emirates, listed In the Dubai Financial Markets since April 2007. Gulfa major shareholders is the Kuwait Food Company (Americana). Gulfa is the first mineral water manufacturer in the GCC and continues to be one of the leading brands in UAE, in addition to neighboring countries like Oman, Kuwait, Qatar, Bahrain, the brand is also exported to Djibouti, Afghanistan, Pakistan, Malta and the UK. My Role:In charge of the company revenue control, customer sales and profitability analysis, interface with sales managers, customers and top management.• Managed timely collection of due amounts to the company, accurate invoicing, maintenance of all cash receipts.• Evaluated and reported the deviations from credit and sales budget and actuals.• Conducted credit checks on all customer, established and managed limits. • Made recommendations to improve quality of invoicing, delivery notes and collection procedures including cash sales.• Generated reporting of invoicing totals, aging totals, cash receipts, invoice adjustments. • Regulated full control on Selling Expenses like Debit and Credit Memo's to customers, free of charge goods, promotions, discounts, rebates.• Analysed customer profitability by (Stoke keeping unit) SKU and market conduct sales and operating profit analysis versus last year and actuals.• Provided decision support regarding pricing and customer support schemes changes including running simulations for different scenarios.• Participate in monthly inventory taking, quarterly internal and external audit and fixed asset count. عرض أقل

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  LOOTAH INDUSTRIES GROUP

  Feb 2018 - Jul 2020

  Credit and Collection Manager

  www.lootahgroup.comLootah Industries have been established in 1973, the industrial giant consists of twelve factories and partitions with diversified activities of Steel, Fiber Glass, Aluminum, Marbles Granite and Mosaic, Metal Profiles, Bitumen and Road Works, Powder Coating, Fabrication, Carpentry, and Foam.My Role:In charge of the Group Companies Credit & Recovery process, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of company sales and bad debt losses, overseeing collection efforts to ensure all money owed to the company is billed and received correctly and in a timely fashion. RESPONSIBILITIES• • Formulating & implementing competent strategies to minimize delinquency and avoid losses. • Recognize and encourage agencies and ensure they follow the Code of Conduct.• Share challenges and provide input to the credit/collections team.• Interfacing with Lootah Legal Department Head for legal action against defaulters.• Researching and evaluating clients' creditworthiness • Creating credit scoring models to predict risks.• Approving or rejecting Credit facility requests, based on credibility and potential revenues and losses.• Calculating and setting interest and late payment rates.• Negotiating Credit Terms with clients.• Monitoring payments; maintaining records of Credit Applications.• Following up with clients to manage debt settlements and Credit facility review renewals.• Ensuring all Credit orders and contracts procedures comply with regulations.• Developing, reviewing, and updating company's credit policies and procedures. • Identified credit risk in target markets and established successful plans to develop them.• Collaborated with senior management team in improving & executing strategies & processes and accomplishing Group goals, cash flow & profitability for the company عرض أقل

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  TECH GROUP

  Jan 2022 - Mar 2024

  Group Credit Controller Collection Manager

  https://www.techgroup.aeAbout Tech Group: Conventionally focused on Turnkey Construction & Engineering, Ready-mix Concrete manufacturing, Concrete Blocks, Interlocks & pavement products manufacturing, Piling & Foundations, Steel Fabrication, Aluminum, Glass & Metal Works Manufacturing and Contracting, Wood Joinery & Interior works, T-Living Italian furniture, Real Estate Development, Petroleum Trading & Storage Terminals, Building Material Trading and Logistics, Tech Group has since grown exponentially and expanded its portfolio with major investments in state-of-the-art infrastructure, technologies as well as real assets on the ground.My Role: • Creating procedures and policies that ensure timely payments while maintaining a high level of customer business relation. • Monitoring debtor balances to ensure a reduction in debtors day sales outstanding. • Ensuring credit and collection policies and procedures are followed within my group. • Liaising with customers, as well as internal personnel including the sales team, collection agencies, lawyers.• Evaluating new credit requests and conducting client credit worthiness check. • Setting up the terms of credit for new clients.• Negotiating payment plans. Managing the collection of all payments and debts recovery including retention and letter of credit transactions, bank guarantees cancellation. • Responding to client inquiries. • Ensuring payments are on track to be paid within the agreed term. • Creating weekly debtor reports and accounts information for management. • Building and maintain string relationships with debtors. • Keeping detailed records of collection activities and conversations. • Meet and negotiate terms with external debt collection agencies and law firms. عرض أقل

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  Falconpack

  Apr 2024 - now

  Sr. Credit Control Supervisor