Jeswin George
Senior Credit Controller - AR Specialist
Summary
Knowledgeable financial professional experienced in assessing credit viability for different type of borrowers. Good organizational and critical thinking skills. Offering 8 years of related experience. Expertize in Accounts Payables & Receivables along with credit risk analysis and end to end lending proficiency.
Overview
10
10
years of professional experience
Work History
Senior Credit Controller
The Cooperative Group
06.2023 - Current
- Assisted in maintaining a healthy cash flow by promptly identifying and addressing potential credit risks.
- Completed journal entries, reconciliations, and account analysis to prepare quarterly financial documents and general account management.
- Reduced overdue debt by closely monitoring customer accounts and taking prompt action on outstanding payments.
- Mitigated potential losses from high-risk customers by liaising with external collections agencies when necessary.
- Enhanced quality and currency of financial information by overseeing revenue collection systems.
- Created and distributed reports on internal and external finances, audits, and budgets.
Team Member
The Cooperative Group
06.2022 - 06.2023
- Promoted a culture of continuous learning within the team by initiating training sessions, sharing best practices, and encouraging skill development.
- Observed packing operations to verify conformance to specifications.
- Evaluated customer needs and feedback to drive product and service improvements.
- Monitored and verified all merchandise was properly priced and labeled.
- Learned all required tasks quickly to maximize performance.
- Contributed to team success by completing jobs quickly and accurately.
Head of Operations & Credit
Sarvam Fintech Pvt. Ltd.
02.2017 - 02.2022
- Facilitated change management efforts, guiding teams through periods of transition and growth.
- Implemented data-driven decision-making processes, leveraging analytics to optimize operations.
- Raised property accuracy and accountability by creating new automated tracking method.
- Improved overall productivity with the introduction of innovative process improvement initiatives.
- Managed purchasing, sales, marketing and customer account operations efficiently.
- Automated manual processes using technology solutions, increasing accuracy and efficiency within operations.
- Developed comprehensive training programs for staff, enhancing team performance and skill sets.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Launched staff engagement, gender diversity and cultural programs in addition to robust reporting tool that increased operational quality.
- Evaluated emerging market trends to inform strategic decisions affecting the organization''s future direction.
- Implemented risk assessment procedures to minimize potential disruptions across all areas of operation.
- Reported issues to higher management with great detail.
- Scheduled employees for shifts, taking into account customer traffic and employee strengths.
- Built a high-performance culture by recruiting top talent and promoting professional development opportunities for staff members.
- Negotiated price and service with customers and vendors to decrease expenses and increase profit.
- Trained and guided team members to maintain high productivity and performance metrics.
- Interacted well with customers to build connections and nurture relationships.
- Optimized inventory levels by implementing demand forecasting tools and techniques.
- Recruited, hired, and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization.
- Tracked trends and suggested enhancements to both challenge and refine company's product offerings.
- Reduced financial inconsistencies while assessing and verifying billing invoices and expense reports.
- Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
- Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
- Implemented business strategies, increasing revenue, and effectively targeting new markets.
- Ensured compliance with industry regulations and company policies, mitigating potential risks.
Senior Operations Analyst
JP Morgan Chase Salarpuria
01.2016 - 02.2017
- Managed multiple projects simultaneously while maintaining strict timelines and budgets for each initiative.
- Applied various analytical techniques to diverse situations.
- Developed written documents and reports related to programs and operations.
- Analyzed trend data to forecast operational needs and plan next course of action.
Senior Operations Analyst
Goldman Sachs Services Private
07.2015 - 01.2016
- Reviewed process failures and determined root causes.
- Utilized Microsoft Excel extensively for macros, spreadsheets and models.
- Worked effectively in fast-paced environments.
- Gained strong leadership skills by managing projects from start to finish.
- Participated in team projects, demonstrating an ability to work collaboratively and effectively.
Senior Credit Analyst
ANZ Support Services
12.2013 - 01.2015
- Supported junior analysts with training sessions on advanced analytical techniques, fostering an environment conducive to learning and professional growth.
- Proactively identified opportunities for revenue generation within the existing client base through cross-selling other banking productsservices.
- Gathered loan documentation for underwriting.
- Offered insight to upper management regarding credit decisions.
- Improved understanding of financial statements, which helped in assessing risk.
- Made decisions and recommendations about extending lines of credit.
- Contacted customers and requested financial documentation.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Assessed credit risk and analyzed financial statements.
- Placed customer accounts on hold due to past due payments.
- Complied with internal controls and government regulations.
- Worked well in a team setting, providing support and guidance.
- Strengthened communication skills through regular interactions with others.
- Proven ability to learn quickly and adapt to new situations.
- Worked effectively in fast-paced environments.
- Adaptable and proficient in learning new concepts quickly and efficiently.
- Worked flexible hours across night, weekend, and holiday shifts.
- Self-motivated, with a strong sense of personal responsibility.
Education
MBA - Marketing
Ramaiah Institute of Management Studies
India 04.2001 -
Bachelor of Commerce - Accounting And Business Management
Kristu Jyoti College of Management & Technology
India 04.2001 -
Master of Science - Data Science
Glyndwr University
Wrexham, United Kingdom 04.2001 -
Skills
Cash Flow Forecasting
Multitasking Abilities
Credit risk
Collections Management
Analytical Thinking
Relationship Building
Adaptability and Flexibility
Credit analysis
Financial Acumen
Underwriting
Verbal and written communication
Active Listening
Payment Processing
Timeline
Senior Credit Controller
The Cooperative Group
06.2023 - Current
Team Member
The Cooperative Group
06.2022 - 06.2023
Head of Operations & Credit
Sarvam Fintech Pvt. Ltd.
02.2017 - 02.2022
Senior Operations Analyst
JP Morgan Chase Salarpuria
01.2016 - 02.2017
Senior Operations Analyst
Goldman Sachs Services Private
07.2015 - 01.2016
Senior Credit Analyst
ANZ Support Services
12.2013 - 01.2015
MBA - Marketing
Ramaiah Institute of Management Studies
04.2001 -
Bachelor of Commerce - Accounting And Business Management
Kristu Jyoti College of Management & Technology
04.2001 -
Master of Science - Data Science
Glyndwr University
04.2001 -