MUHAMMAD's CV
MUHAMMAD TALHA MASOOD AHMED MEMON
Classification: Confidential
Profile summary
Accomplished Billing and Collections Manager with 8 years of progressive experience in credit control, risk analysis, and working capital optimization across 7 organizations. Track record of developing financial models, implementing credit control strategies, and managing corporate portfolios to reduce overdue accounts and improve cash flows. Dedicated to maintaining strict control environments, building cross-functional partnerships, and delivering operational efficiency through digital solutions.
Career highlights
Credit Control Strategy: Implemented a credit control strategy at Checkout.com that resulted in a 25% reduction in overdue accounts and improved cash flows.
Working Capital Optimization: Optimized value drivers and internal controls at Careem to streamline the working capital cycle, resulting in a 36% reduction in ageing balances.
Receivables Management: Outperformed DSO targets by 23% on a month-over-month basis at Maersk by strengthening invoicing and receivables management operations.
Digital Solutions Deployment: Delivered incremental gross savings of 66K annually at Maersk by installing digital solutions for top tier customers.
Key skills
Professional experience
Directs financial assessment operations, managing credit controllers and focusing on working capital cycle enhancement. Oversees revenue analysis accuracy and financial model development for consolidated records.
- Implemented a credit control strategy that reduced overdue accounts by 25%.
- Resolved billing discrepancies for negative yielding customers, eliminating revenue leakage of 0.9M in 2022.
- Collaborated with Commercial and Financial Partnership teams to maintain collections flow.
- Initiated ERP implementation to improve billing accuracy, revenue analysis, and forecasting mechanisms.
Directed the credit controlling function for geographically dispersed teams, establishing internal controls and financial forecasting processes from the ground up.
- Optimized value drivers and internal controls to streamline working capital cycle, resulting in 36% reduction in ageing balances.
- Achieved double digit growth in collections with customer profiling, strategic recoveries, and strong customer relationships.
- Partnered across functions for dispute resolution, leading to 30% reversal of accumulated bad debts.
Managed credit management operations within a strict control environment to balance financial risk and reward. Directed stakeholder coordination to maintain seamless delivery across accounts.
- Outperformed DSO targets by 23 percent on a month over month basis by strengthening invoicing and receivables management.
- Streamlined the process of provisioning with a 30 percent improvement in bad debt reversals.
- Delivered incremental gross savings of 66K annually by installing digital solutions for top tier customers.
Evaluated financial strength, operating cash flows, sales projections, credit risk ratings, debt, and profitability ratios of potential corporate clients to protect and grow the credit portfolio.
- Managed an asset based corporate portfolio of 80 Billion spanning textile, FMCG, automobile, and cement sectors.
- Introduced Virtual Accounts in the financial operating system for the automation and synchronization of client data.
Education
- MBA – Finance, 2018-2021
- BS – Accounting & Finance, 2013-2017
- Part Qualified ACCA
- Part Qualified CA
- GCE A – Level, 2011-2013
- GCE O – Level, 2009-2011