sreehari thaikkottathil

• Led group-wide Accounts Receivable (AR) and credit risk governance across complex, multi-entity, multinational operations in diverse jurisdictional environments, ensuring robust compliance, risk mitigation, and alignment with global financial standards.

• Delivered sustained reductions in Days Sales Outstanding (DSO) and overdue balances through analytics-driven collections prioritization, segmentation strategies, and targeted intervention plans, enhancing cash conversion cycles.

• Achieved an 18% DSO reduction within the first 6 months by implementing proactive, real-time monitoring of receivables portfolios, early delinquency alerts, and structured overdue account management processes.

• Redesigned comprehensive credit policies, approval matrices, risk scoring models, and escalation frameworks to strengthen internal controls, accelerate decision-making, and reduce exposure to bad debt.

• Acted as a strategic finance partner to the CFO and senior executive leadership on exposure management, accurate cash flow forecasting, working capital optimization initiatives, and liquidity planning.

• Built and deployed advanced executive MIS dashboards and reporting tools, providing real-time visibility into AR aging, cash positions, risk metrics, and performance trends to support data-driven credit and treasury decisions.

• Spearheaded digital and analytics-enabled AR transformation programs, including process automation, predictive modeling, and technology integration to modernize receivables functions, boost operational efficiency, and drive measurable productivity gains.

• Optimized credit insurance programs by collaborating with insurers, brokers, and internal stakeholders to enhance coverage scope, reduce premiums where possible, and effectively mitigate high-risk exposures across the portfolio.

• Oversaw end-to-end management of accounts receivable, blocked orders, post-dated cheques (PDCs), and tailored collection strategies, resulting in a 10% overall improvement in cash flow and strengthened working capital position.

• Led credit control and collections operations across a multinational corporation (MNC), delivering robust credit governance, effective risk mitigation, and consistent cash flow improvement.

• Performed in-depth credit risk assessments for new and existing customers, enabling data-driven credit limit setting and accelerated order release decisions.

• Designed, implemented, and enforced comprehensive credit policies, approval matrices, and escalation protocols fully aligned with global standards and industry best practices.

• Managed full accounts receivable aging analysis, proactively identified early delinquency signals, and executed targeted interventions to significantly reduce overdue and delinquent balances.

• Drove sustained reductions in delinquency and overdue balances through structured, analytics-led collections strategies and prioritized follow-up frameworks.

• Leveraged SAP FSCM to monitor customer exposure, track payment commitments, and enforce disciplined, risk-based order release processes.

• Collaborated closely with Sales, Finance, and key customers to resolve billing disputes, enhance payment discipline, and improve overall collection efficiency.

• Partnered with Financial Controller to consistently meet aggressive DSO targets by prioritizing high-risk accounts and driving team performance against KPIs.

• Maintained high-quality customer master data, credit files, and documentation to ensure full audit readiness, regulatory compliance, and accurate internal/external reporting.

• Prepared and presented regular AR aging reports, collection forecasts, trend analysis, and executive management dashboards to inform strategic credit and cash flow decisions.

• Supported comprehensive credit control and accounts receivable operations across 170+ projects in diverse sectors including education, retail, hospitality, healthcare, and corporate clients.

• Managed end-to-end AR processes, including accurate billing, payment posting, account reconciliations, and proactive customer follow-ups to ensure timely collections.

• Evaluated new credit applications by analyzing customer financial statements, creditworthiness, payment history, and risk profiles to support informed credit limit approvals and order releases.

• Conducted regular periodic credit reviews to assess ongoing payment behavior, identify potential risks, and minimize overall credit exposure.

• Collaborated closely with Finance and Operations teams to investigate and resolve billing discrepancies, disputes, and issues, enhancing customer satisfaction and collection efficiency.

• Prepared detailed AR aging analysis, trend reports, and management summaries to inform collections strategies and support senior leadership reviews.

• Drove timely collections and improved AR data accuracy through consistent follow-up protocols, thorough documentation, and disciplined process adherence.

• Led end-to-end accounts receivable and collections operations for a high-volume portfolio of 14,000+ tenant accounts across 24 shopping malls and 150+ restaurants in commercial, retail, and residential segments.

• Directed full-cycle billing, invoicing, collections, payment processing, and account reconciliations to ensure cash flow optimization and minimal revenue leakage.

• Achieved significant DSO improvement, reducing average Days Sales Outstanding from 133 days to 42 days through implementation of disciplined follow-up protocols, structured collections strategies, and prioritized high-risk account management.

• Supervised accurate and timely posting of diverse payment types (cash, cheques, credit/debit cards, lockbox, direct deposits) while maintaining strict AR data integrity and audit compliance.

• Leveraged ERP systems to manage customer master data, ensure billing accuracy, automate invoicing processes, and support real-time visibility into receivables.

• Collaborated closely with property managers, leasing teams, finance, and operations to validate tenant changes, investigate and resolve disputes efficiently, and execute seamless account closures.

• Prepared and delivered comprehensive monthly AR reports, including receivable statements, detailed aging analysis, trend insights, and collection performance summaries to drive management decision-making.

• Built and maintained strong cross-functional relationships with internal departments and external stakeholders to facilitate smooth information flow, accelerate issue resolution, and enhance overall operational efficiency.

• Supported comprehensive credit control and collections activities within the hospitality and catering business, ensuring effective management of accounts receivable and minimization of bad debt risk.

• Successfully recovered long-standing and previously written-off receivables, including legacy balances dating back to prior to 2010, demonstrating strong persistence and negotiation skills in challenging recovery scenarios.

• Engaged proactively with defaulting customers to negotiate realistic repayment plans, resulting in improved recovery outcomes and preservation of key business relationships.

• Conducted diligent follow-up on overdue balances and ensured timely collection of outstanding customer payments to maintain healthy cash flow.

• Maintained accurate and up-to-date customer and account records, supporting robust credit management, risk assessment, and accurate financial reporting.

• Coordinated closely with internal departments (e.g., sales, events, finance, and operations) by sharing timely account and payment status information to facilitate informed credit decisions and operational support.

• Managed field collections and recovery activities for retail banking portfolios, focusing on delinquent consumer accounts to maximize cash recovery and minimize portfolio risk.

• Consistently achieved high recovery performance, maintaining an average success rate of 90–95% in resolving or collecting on assigned delinquent accounts through effective negotiation and follow-up.

• Conducted regular customer field visits to assess situations firsthand, negotiate tailored repayment plans in full compliance with bank credit policies, and secure commitments for timely resolutions.

• Advised customers on available payment options, restructuring possibilities, and hardship programs while balancing aggressive recovery objectives with empathy for individual financial circumstances.

• Performed diligent follow-up on delinquent accounts, monitored progress on repayment agreements, and supported escalation processes (e.g., to legal, repossession, or senior recovery teams) when necessary.

• Prepared and delivered detailed recovery updates, account status reports, and performance metrics to internal credit, risk, and banking teams to inform decision-making and strategy.