Geetha Ramkumar
Chennai
Summary
Accomplished Senior Credit and Collections Specialist with over 10+ years of experience, having a proven track record at Esteemed Organizations like Shell, Philips, Maersk Global Services - adept in credit assessment and risk management with the knowledge of Order to Cash Process followed by Supply Chain.
Leveraged a continuous improvement mindset to enhance accounts receivable processes, achieving significant efficiency gains. Skilled in negotiation and people management, consistently resolving disputes and improving customer satisfaction.
Overview
19
19
years of professional experience
Work History
Senior - Credit and Collections Specialist
Philips
01.2022 - 05.2024
- Analyzed customer financial records to determine appropriate payment plan.
- Initiated repossession process or service disconnection upon failure of other collection methods.
- Generated and distributed monthly customer statements.
- Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
- Researched billing errors and discrepancies to initiate corrective action.
- Investigated customer credit references and approved credit lines.
- Responded to customer inquiries and provided detailed account information.
- Listened to customers and negotiated solutions that met creditor and debtor needs.
Credit and Collections Analyst
Micro Focus
06.2020 - 12.2021
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Made decisions and recommendations about extending lines of credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Assessed credit risk and analyzed financial statements.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
Senior AR Analyst
Maersk Global Services
10.2018 - 05.2020
- Presented audit findings to accounting manager after reviewing results and paperwork.
- Created detailed expense reports to facilitate reimbursement for business expenses incurred.
- Entered figures using 10-key calculator to compute data quickly.
- Reconciled accounts, managed audits and updated financial records with remarkable accuracy.
- Handled day-to-day accounting processes to drive financial accuracy.
- Customer disputes are resolved in timely manner by following-up with dispute team and TCM on weekly basis to get it resolved.
AR Analyst
Shell
10.2014 - 09.2018
- Analyzed aging reports to identify trends and patterns causing missed collections.
- Leveraged accounting and finance experiences and expertise to identify, propose and implement automated solutions and reduce manual processes.
- Contacted internal and external customers to obtain documentation to support invoices and claims.
- Deposited checks and worked with accounting supervisor to determine coding and prepare related entries.
- Prepared spreadsheets using formulas, V-lookup and other intermediate and advanced Microsoft Excel skills.
- Involved in projects related robotics and Auto dunning as a Super user for DS India.
- Cash allocation for the payment received against the invoices.
- Approval or Rejection of orders based on credit status of the customer.
Customer Support Professional
Shell
12.2010 - 09.2014
- Supported customer questions and issues by gathering data, analyzing needs, evaluating possible resolutions and implementing best solutions.
- Material Master Data Management - Inclusion and Exclusion.
- Old stocks liquidation.
- Recommended solutions to complex situations through research and critical thinking and escalated customer to supervisor for enhanced support.
- Delivered exceptional customer service by prioritizing emergency issues and developing and employing workarounds to solve problems expeditiously.
- Participated in ongoing training to learn new products and enhance skills to optimize customer support delivery.
- Contributed ideas and practical solutions to support process improvement efforts.
- Working experience in SAP Module.
- Casa Award –Recognition from Sales for efficiently handling Key accounts.
Customer Support Executive
Ramco Systems
07.2010 - 11.2010
- Listened to customers' questions and concerns to provide answers or responses.
- Provided excellent customer service by efficiently resolving issues and responding to inquiries.
- Managed customer service effectiveness by monitoring performance and assessing metrics.
- Assigned and designated job territories to customer care staff according to performance and history.
Customer Support Executive
Sulekha.com
01.2010 - 06.2010
- Listened to customers' questions and concerns to provide answers or responses.
- Verification of Vendors’ advertisements posted online.
- Receiving customer’s request for ads through calls and ensure posting the same online.
- Reviewing the Ads posted by Vendors and Users and activating the ads.
- Taking leads from customers to place commercial Ad for better response.
Customer Support Executive
E-Serv (Citi Group)
12.2004 - 05.2005
- Assigned and designated job territories to customer care staff according to performance and history.
- Offering loans on credit cards (cash and credit limit).
- Convincing the customers, confirming the loans, and booking the same on-line.
Education
MBA - Finance And Business Administration
Symbiosis Institute
PuneBachelor of Arts - Economics
Ethiraj College
Chennai, IndiaSkills
- Order To Cash - Expert
- Continuous Improvement Mindset
- Credit Assessment & Risk Assessment
- Accounts Receivable
- People management
- Credit and collections
- Payment posting
- Payment plan management
Timeline
Senior - Credit and Collections Specialist
Philips
01.2022 - 05.2024
Credit and Collections Analyst
Micro Focus
06.2020 - 12.2021
Senior AR Analyst
Maersk Global Services
10.2018 - 05.2020
AR Analyst
Shell
10.2014 - 09.2018
Customer Support Professional
Shell
12.2010 - 09.2014
Customer Support Executive
Ramco Systems
07.2010 - 11.2010
Customer Support Executive
Sulekha.com
01.2010 - 06.2010
Customer Support Executive
E-Serv (Citi Group)
12.2004 - 05.2005
MBA - Finance And Business Administration
Symbiosis Institute
Bachelor of Arts - Economics
Ethiraj College
Similar Profiles
NATASHA E. HOLLEYNATASHA E. HOLLEY
Supply Chain Transformation Lead at PhilipsSupply Chain Transformation Lead at Philips
Ashish Kumar SinhaAshish Kumar Sinha
Service Operations Leader-I&S(HSSAP) at PhilipsService Operations Leader-I&S(HSSAP) at Philips
Tiffany Pennoyer-WhitakerTiffany Pennoyer-Whitaker
Quality Assurance Analyst at PhilipsQuality Assurance Analyst at Philips