JINOY JOHN
Thrissur
Summary
Experienced Credit Controller with a strong track record of managing a diverse customer base of over 400+ clients. Skilled in overseeing monthly business volumes ranging from 25,000,000 INR to 50,000,000 INR. Proficient in utilizing Microsoft Excel, Word, PowerPoint, G Suite, and Zoom to streamline processes and enhance productivity. Known for problem-solving, decision-making, and effective time management. Adaptable team player with a keen attention to detail and a positive attitude. Excellent communication and interpersonal skills contribute to building strong professional relationships.
Overview
9
9
years of professional experience
Work History
Credit Controller
Sequel Logistics Private Limited
02.2022 - 11.2024
- Manage credit control operations for a designated region, overseeing invoices and credit notes submission, weekly reviews, processing customer receipts, and timely payment collection from outstanding clients
- Designed a multi-tiered dunning letter strategy that segmented outstanding customers by payment history; this approach led to a 20% improvement in response rates and increased overall customer engagement and sending the dunning letters to the outstanding customers
- Achieve monthly targets by implementing effective credit control measures (via phone calls, emails, and in-person customer visits), optimizing cash flows, and actively minimizing overdue customer balances
- Increased regional performance from 40% to 95%-100% and district-wise performance from 30% to 80%
- Resolve invoice disputes and clear payment discrepancies
- Reduced invoice delivery time from 2-3 weeks to within 3 days, ensuring faster and more efficient distribution
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Resolved complex billing disputes by coordinating with clients, sales representatives, and finance team members on reconciliation efforts.
Relationship Officer and Credit Controller
Muthoottu Mini Financiers Limited
07.2019 - 02.2021
- Build and maintain strong relationships with clients, providing personalized financial solutions and addressing their concerns while ensuring timely due payment collection and resolving payment delinquencies
- Conduct financial analysis and risk assessments to determine loan eligibility and credit limits; prepare and present credit proposals with recommended terms and conditions
- Fostered collaboration among sales, operations, and financial analysis teams; streamlined communication processes to enhance customer interactions and ensure on-time delivery of 95%+ client services within project deadlines
- Exceeded key performance indicators through diligent follow-up, effective negotiation, and a strong focus on meeting client expectations.
- Increased referral business by actively networking within the community and participating in local events representing the bank.
Videographer
Aruns Media
03.2017 - 04.2019
- Pre-production, Filming, Post-production
Videographer
CTV Channel
05.2016 - 02.2017
- (Pre-production, Filming, Post-production
Education
Bachelor of Science - Electronics
Calicut University, St. Thomas College
Thrissur, KeralaCertificate course - Anti-Money Laundering Concepts: AML, KYC and Compliance
Skills
- Credit Management
- Proficient in Payment and Ledger Reconciliation
- Strong Interpersonal Skills
- Client Relationship Management
- Operations Management
- Project Management
- Petty Cash Handling
- Deadline oriented approach
- Active listening
- Microsoft Excel proficiency
- Invoice processing
- Technical aptitude
Timeline
Credit Controller
Sequel Logistics Private Limited
02.2022 - 11.2024
Relationship Officer and Credit Controller
Muthoottu Mini Financiers Limited
07.2019 - 02.2021
Videographer
Aruns Media
03.2017 - 04.2019
Videographer
CTV Channel
05.2016 - 02.2017
Certificate course - Anti-Money Laundering Concepts: AML, KYC and Compliance
Bachelor of Science - Electronics
Calicut University, St. Thomas College
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