Mariam Sakhi
Bradford
Summary
Results-driven Financial Advisor with expertise in financial management, debt collection, and credit control. Skilled in managing debtor accounts, resolving billing disputes, and implementing credit control procedures to mitigate financial risk. Strong communicator and team leader, focused on enhancing cash flow and productivity through effective organisation. Committed to continuous professional development within the finance sector.
Overview
10
10
years of professional experience
Work History
Temporary Billing Specialist
PTSG
Castleford , West Yorkshire
08.2025 - 01.2026
- Processed and issued accurate invoices to clients, maintaining a high level of precision in billing details.
- Coordinated with sales and service teams to ensure accuracy in billing, aligning with contractual agreements.
- Analysed and resolved billing queries from clients and colleagues, enhancing customer satisfaction levels.
- Reconciled billing discrepancies by liaising with internal departments and clients, fostering positive relationships.
- Investigated and resolved collections and billing disputes, improving client relations.
- Managed accounts receivable ledger, proactively following up on overdue invoices to improve cash flow.
- Monitored client accounts for compliance with payment terms, minimising late payments.
- Administered credit control procedures, significantly reducing the number of outstanding debts.
- Compiled invoices and transaction records for accurate financial documentation.
- Compiled financial data and drafted billing reports, identifying past-due accounts for effective reconciliation.
- Assisted in month-end and year-end closing by accurately recording billing entries.
- Adhered to established accounting procedures to maintain accurate financial records.
- Followed up with customers, leveraging empathetic and transparent communication to offer top-quality assistance.
- Updated balance sheets with accurate asset and liability information.
- Managed accounts receivable ledger, identifying overdue accounts for timely follow-up.
TEMPORARY CREDIT CONTROLLER
JLA RIPPONDEN
Ripponden
04.2025 - 07.2025
- MADE HIGH VOLUME OF CALLS PER DAY EXCEEDING COMPANY OUTBOUND CALL TARGETS WHICH WERE MET EVERY DAY
- Excellent communication skills, both written and verbal developed through my work experience.
- A working knowledge of IT packages, including Microsoft Word, Excel and Powerpoint.
- Ability to take initiatives and work well under pressure successfully
- Keen to continue my professional development so to gain further skills and qualifications.
- Maintained organised workspace, enhancing efficiency and productivity.
- Demonstrated team leadership by guiding colleagues towards achieving shared goals.
- Strong work ethic
- Demonstrated confidence in presenting ideas to colleagues and clients.
- Practiced active listening skills to fully understand customer needs.
- Consistently arrived on time to work, demonstrating reliability and commitment.
- Managed multiple tasks simultaneously to meet customer demands efficiently.
- Provided friendly and helpful service to create positive customer experiences.
- Maintained composure during high-pressure situations to ensure service quality.
- Applied effective problem-solving skills to address customer issues promptly.
- Chased customers ahead of payment deadlines, maintaining balanced accounts within agreed invoice timeframes.
- Utilised exceptional communication skills to foster strong customer relationships, supporting effective account management.
- RECEIVED AND RESOLVED CUSTOMER QUERIES EFFICIENTLY.
- PREPARED STATEMENTS AND REPORTS EVERY DAY FOR FINANCIAL POSITION AND PERFORMANCE, MAINTAINING HEALTHY CASH FLOW.
- Implemented credit control procedures, reducing financial risk to the company.
- PREPARED DETAILED INVOICES FOR CLIENTS, OUTLINING SERVICES PROVIDED AND COSTS INCURRED.
- REVIEWED AND APPROVED INVOICES FOR PAYMENT, MANAGING ACCOUNTS PAYABLE TO MAINTAIN GOOD SUPPLIER RELATIONSHIPS.
- RECONCILED ACCOUNTS PAYABLE LEDGER MONTHLY.
- COLLABORATED WITH TEAM MEMBERS TO ACHIEVE TARGET RESULTS.
- PICKED UP ADDITIONAL TASKS TO AID TEAM SUCCESS.
- TRAINED AND MENTORED EMPLOYEES TO MAXIMISE TEAM PERFORMANCE.
- PROVIDED POLITE TELEPHONE SERVICE, ANSWERING CUSTOMER ENQUIRIES, GOING OVER INVOICES IN DETAIL AND CHASING PURCHASE ORDERS.
- MANAGED DEBTOR ACCOUNTS, PROMPTLY CHASING OVERDUE INVOICES TO MAXIMISE CASH FLOW AND MINIMISE BAD DEBT RISK.
- RESPONDED TO CUSTOMER EMAILS WITH ACCURATE, PROFESSIONAL REPLIES.
- ATTENDED REGULAR TRAINING TO ENHANCE PERFORMANCE AND EXPAND KNOWLEDGE.
- ADAPTED TO RAPIDLY CHANGING WORK ENVIRONMENTS AND CUSTOMER NEEDS, ENSURING HIGH LEVELS OF SERVICE DESPITE CHALLENGES.
CASE MANAGER
ACIUK SKIPTON
07.2024 - 12.2024
- MAINTAINED ACCURATE AND CONFIDENTIAL CLIENT RECORDS, ADHERING TO DATA PROTECTION REGULATIONS.
- STORED case notes, client information, and details on company systems for organisational compliance and legal standards.
- DELIVERED OUTSTANDING CUSTOMER SERVICE, HANDLING DEBTOR ENQUIRIES AND COMPLAINTS WITH EMPATHY AND PROFESSIONALISM.
- CONTACTED CUSTOMERS AND DISCUSSED UNRESOLVED ISSUES AND PAST-DUE PAYMENTS TO UPDATE CUSTOMER ACCOUNTS.
- CONFIRMED PAYMENT ARRANGEMENTS AND FINALISED CUSTOMER PAYMENT DATES AND CONTACT INFORMATION.
- IMPLEMENTED PAYMENT REMINDERS VIA EMAIL, SMS, AND PHONE CALLS, INCREASING SUCCESSFUL REPAYMENT RATES.
- MANAGED COLLECTION CALLS AND NEGOTIATED PAYMENT ARRANGEMENTS WITH DEBTORS TO MINIMISE OUTSTANDING BALANCES.
- NEGOTIATED settlement offers with debtors, facilitating mutually beneficial agreements.
- COLLABORATED with team members to meet monthly collection targets and enhance departmental effectiveness.
- RECORDED DETAILED NOTES ON DEBTOR INTERACTIONS, UPDATING ACCOUNT STATUSES AND NEXT STEPS IN CRM SYSTEM.
- ADHERED TO COMPANY DATA COLLECTION PROCESSES TO VERIFY DATA INTEGRITY AND REDUCE RISK OF DATA LOSS.
- Provided support to customers regarding debt collection and payment queries.
- WORKING IN A CALL CENTRE ENVIRONMENT WHICH WAS FAST-PACED AND DEALING WITH INBOUND AND OUTBOUND CALLS WHILST EDUCATING EACH CUSTOMER OUT OF DEBT.
CUSTOMER SOLUTIONS ADVISOR
LOWELL FINANCIAL SERVICES
01.2024 - 04.2024
- DELIVERED A SERVICE THAT IS CONSISTENT, FRIENDLY AND RELIABLE SO THAT EACH OF OUR CUSTOMERS FELT VALUED AND LISTENED TO AND KNOWING WHAT THE NEXT STEPS ARE WHEN IT COMES TO BECOMING DEBT FREE
- Assisted vulnerable customers with tailored support.
- Established full and final payment plans and set up promises to pay, placing accounts on hold for 30, 60, or 90 days to assist customers in managing their debt.
- Reviewed customer credit files and provided advice on defaults.
- Partnered with debt companies to manage accounts effectively and guided customers to the legal team for further support.
- Managed statutory barred accounts and litigation cases effectively.
- Completed full training, guidance, and support, and assessed compliance with FCA and other regulations.
- TOOK A HANDFUL OF PAYMENTS AND ADVISED CUSTOMERS OF ACCOUNT BEING CLEARED AND CLOSED DOWN
- Noted details of each call and completed any compulsory forms after every call.
PAYMENT MANAGEMENT ADVISOR
CAPITA O2
PRESTON BROOK
05.2021 - 09.2023
- Established payment plans and initiated 'promise to pay' agreements, placing accounts on hold for 30 days.
- Negotiated with debt companies and assessed customer payment histories to determine service eligibility.
- Managed inbound and outbound calls in a fast-paced environment, educating customers on debt solutions.
- Demonstrated strong communication, problem-solving, and negotiation skills in customer interactions.
- Gained confidence in collections and debt management through comprehensive training and support.
- DELIVERED A SERVICE THAT IS CONSISTENT, FRIENDLY AND RELIABLE SO THAT EACH OF OUR CUSTOMERS FELT VALUED AND LISTENED TO AND KNOWING WHAT THE NEXT STEPS ARE WHEN IT COMES TO PAYING THEIR BILL.
- Consistently exceeded targets, resulting in quarterly bonus offers for performance.
- Documented call details and completed mandatory forms after each customer interaction.
- Finished all required training on FCA guidelines to ensure compliance in operations.
Warehouse Operative
Marks and Spencers Distribution
Bradford
10.2020 - 02.2021
- Operated Low Level Order Picker (LLOP) to efficiently pick and stack stock for timely order fulfilment.
- Utilised hand-held scanners to scan and verify goods, ensuring accurate order picking and effective inventory management.
- Packed and labelled finished goods accurately according to company protocol, maintaining quality control.
- Collected pallets from designated areas for efficient inventory management.
- Undertook all tasks in full compliance with appropriate health and safety guidelines, reducing critical safety incidents within the company.
- Performed hygiene duties to ensure cleanliness in work environment.
Customer Service Advisor
English Language School
04.2018 - 06.2018
- Managed incoming customer calls to resolve inquiries and provide assistance.
- Resolved customer complaints to enhance satisfaction and loyalty.
- Collaborated with team to achieve monthly sales targets.
- Executed administrative tasks including filing and data entry to support team operations.
Business Administrator
in2work traineeship
Bradford
01.2018 - 04.2018
- Delivered customer service to learners and employers, ensuring satisfaction and support.
- Answered incoming calls from learners and employers, addressing inquiries and providing information.
- Completed enrollment forms, facilitating a smooth registration process for new learners.
- Organising time sheets and files.
- Executed scanning and printing tasks for documentation.
Restaurant Waitress
The emerald banqueting suite
bradford
01.2016 - 07.2017
- Taking orders and serving food to customers.
- Served up to 6 dishes at once by handling plates with care and precision, prioritising prompt and pleasant service above all else.
- Resolved customer complaints and enquiries to enhance guest satisfaction.
- Coordinated team tasks to ensure efficient operations and prevent errors.
- Set up tables and arranged cutlery to create an inviting dining atmosphere.
- Supported kitchen staff by plating starters and side dishes carefully to uphold food preparation and hygiene requirements.
- Handled calls regarding wedding bookings and enquiries to facilitate event planning.
Education
GCSEs - NVQ Level 2 in Business, Food Technology, Btec Sport, Travel and Tourism and Health and Social, Functional Skills- Maths and English (Level 2), GCSE's ICT and Science - Merit
Carlton Bolling College
Bradford01-2015
Skills
- Credit control knowledge
- Excel
- Microsoft Word
- Powerpoint
- Working knowledge of IT packages
- Well organised
- Initiative taking
- Problem solving
- Work well under pressure
- Calm under pressure
- Strong work ethic
- Active listener
- Communication excellence
- Team leadership skills
References
- Mevish Anwar, 07763302427
- Shakeel Aziz, Youth Coach, in2work, Traineeship, 4th floor, The Enterprise Hub, Bradford, West Yorkshire, BD1 5BD, 07757010952, shakeel@in2work.co.uk
Timeline
Temporary Billing Specialist
PTSG
08.2025 - 01.2026
TEMPORARY CREDIT CONTROLLER
JLA RIPPONDEN
04.2025 - 07.2025
CASE MANAGER
ACIUK SKIPTON
07.2024 - 12.2024
CUSTOMER SOLUTIONS ADVISOR
LOWELL FINANCIAL SERVICES
01.2024 - 04.2024
PAYMENT MANAGEMENT ADVISOR
CAPITA O2
05.2021 - 09.2023
Warehouse Operative
Marks and Spencers Distribution
10.2020 - 02.2021
Customer Service Advisor
English Language School
04.2018 - 06.2018
Business Administrator
in2work traineeship
01.2018 - 04.2018
Restaurant Waitress
The emerald banqueting suite
01.2016 - 07.2017
GCSEs - NVQ Level 2 in Business, Food Technology, Btec Sport, Travel and Tourism and Health and Social, Functional Skills- Maths and English (Level 2), GCSE's ICT and Science - Merit
Carlton Bolling College