Josmy James
Ernakulam
Summary
Detail-oriented and results-driven Credit Controller with proven experience managing diverse accounts receivable portfolios, reducing aged debts, and improving cash flow in fast-paced finance environments. Proficient Excel and financial reporting, with strong communication, negotiation, and credit risk assessment skills. Seeking to contribute to a leading organization by ensuring timely collections, robust credit management, and compliance with company credit policies and industry regulations.
Overview
2
2
years of professional experience
2023
2023
years of post-secondary education
Work history
Accounts payable assistant
City Plumbing
Crick, Northamptonshire
09.2025 - 12.2025
- Processed invoices accurately and efficiently to ensure timely payments to suppliers.
- Maintained financial records and updated databases to support auditing processes.
- Coordinated with internal departments to resolve discrepancies and ensure compliance.
- Assisted in the preparation of financial reports by compiling necessary data and documentation.
Credit Controller
AB Mauri UK & Ireland
Northampton, UK
03.2024 - 08.2025
- Manage a portfolio of 120+ B2B customer accounts, consistently meeting monthly collection targets and maintaining a 95% on-time payment rate.
- Proactively contact customers by phone and email to secure outstanding payments, resolve queries, and negotiate payment plans in accordance with company credit policy.
- Conduct credit risk assessments for new and existing clients, setting and reviewing credit limits to minimize financial exposure.
- Prepare and analyze daily and monthly aging reports, cash flow forecasts, and debtor days, providing actionable insights to management.
- Process and allocate incoming payments, issue invoices and credit notes, and maintain accurate records in SAP and Excel.
- Collaborate with sales and finance teams to resolve disputed invoices and streamline the order-to-cash process, reducing overdue balances by 25% within six months.
- Ensure compliance with company credit policies, GDPR, and UK audit requirements, supporting audit readiness and accurate record-keeping.
Accounts Assistant
Qbay
09.2023 - 02.2024
- Maintained accurate and up-to-date accounting records using SAP and Sage, ensuring all transactions were compliant with UK company policies and financial regulations.
- Processed accounts payable and receivable transactions, managing timely payments and collections to support healthy cash flow.
- Performed regular bank reconciliations, promptly identifying and resolving discrepancies to maintain accurate ledgers.
- Assisted with month-end closing activities, including preparing journal entries, accruals, and general ledger reconciliations.
- Supported the preparation and submission of VAT returns, ensuring full compliance with UK tax requirements.
- Liaised with suppliers and clients to resolve invoice queries, discrepancies, and payment issues, delivering excellent customer service.
- Prepared financial reports and supported internal and external audits by providing accurate documentation and responding to auditor queries.
- Managed petty cash and processed employee expense claims, maintaining detailed records for audit purposes.
Education
MSc - Accounting and Finance
The University of Northampton
Northampton, UKFinancial Accounting and Taxation Level IV - undefined
ICBI
Kerala, IndiaBachelor in Commerce - Finance and Taxation
Stella Maris College of Commerce and Industry
Diploma - Certified Accounting Technician
Stella Maris College of Commerce and Industry
Skills
- Credit Control
- Accounts Receivable
- Debt Collection
- Credit Risk Assessment
- Payment Plans
- Invoice Processing
- Account Reconciliation
- MS Excel
- Financial Reporting
- Aging Reports
- Cash Flow Management
- Customer Relationship Management
- Dispute Resolution
- KPI Monitoring
- Credit Policy Compliance
- Team Collaboration
- Communication
- Negotiation
- Time Management
- Attention to Detail
- Problem Solving
- Audit Support
- Data Analysis
- ERP Systems
Timeline
Accounts payable assistant
City Plumbing
09.2025 - 12.2025
Credit Controller
AB Mauri UK & Ireland
03.2024 - 08.2025
Accounts Assistant
Qbay
09.2023 - 02.2024
Financial Accounting and Taxation Level IV - undefined
ICBI
Bachelor in Commerce - Finance and Taxation
Stella Maris College of Commerce and Industry
Diploma - Certified Accounting Technician
Stella Maris College of Commerce and Industry
MSc - Accounting and Finance
The University of Northampton