Faheem Ahmed
Credit & Sales
Islamabad
Summary
Service-oriented as Credit Manager, Branch Manager And Ass. Manager Credit And Marketing with track record of consistently delivering highest levels of performance. Tactful and dynamic professional offering great acumen in sales generation, Boosting Market share by establishing sales and distribution channels, Developing strategies for new business and customer relationship management. Knowledgeable in financial and credit analysis, credit modeling and market status monitoring.
Overview
9
9
years of professional experience
15
15
years of post-secondary education
3
3
Certifications
Work History
Credit Manager
Islamabad Serena Hotel
Islamabad
2019.05 - Current
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Maintained portfolio of above 600 corporate clients including Embassies, Ministries, Armed Forces institutions and well reputed corporate organizations.
- Monitored portfolio of above 500 Million and maintained the over 90 day's balance below 20 Million.
- Oversaw the tax matters including WHT, 1/5th and 16% GST.
- Compiled data critical to analysis of annual bad debt.
- Monitored accounts for signs of fraud and non-payment issues.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Developed strategies to expedite payments and customer resolutions.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, Karachi, Lahore and Islamabad sales departments.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Used Iscala [Software] and Opera [Software] to perform credit appraisals, document verification.
Branch Manager ( Sales & Credit ) North Region
Rainbow Paint Industries
Rawalpindi
2016.03 - 2019.05
- Coached sales associates in product specifications, sales incentives and selling techniques, significantly increasing customer satisfaction ratings.
- Executed successful promotional events and trade shows.
- Collaborated with senior executives to evaluate performance in regional area and develop strategies to expand revenue generation.
- Assessed each location's individual and team performances, analyzing data trends to determine best methods to improve sales results.
- Held regular performance evaluations to assess strengths and weaknesses of team members and provide counseling to improve outcomes
- Exceeded targets by building, directing and motivating high-performing sales team.
- Modeled strong negotiation skills to help team members close tough deals with lucrative clients.
- Understood and capitalized on industry trends to shape and enhance value-added solutions and strategies for new market developments.
- Boosted market share by establishing sales and distribution channels, developing new clientele's and solidifying sales partnerships.
- Evaluated costs against expected market price points and set structures to achieve profit targets.
- Contacted key accounts regularly and achieved high satisfaction scores by routinely re-assessing needs and resolving conflicts.
- Targeted prospects in other territories through careful research of competitor products, services and trends.
- Participated in sales calls and visits with direct reports to strengthen customer relationships and uncover possible opportunities for growth.
- Achieved regional sales objectives by coordinating sales team, developing successful strategies and servicing accounts to strengthen business relationships.
- Developed sales strategy based on research of consumer buying trends and market conditions.
- Compiled data critical to analysis of annual bad debt.
- Monitored accounts for signs of fraud and non-payment issues.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
Assistant Manager Credit And Marketing
SME Leasing Ltd. ( Subsidiary of SME Bank)
Islamabad
2013.11 - 2016.03
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Reviewed and analyzed loan procedures.
- Monitored accounts for signs of fraud and non-payment issues.
- Investigated and evaluated customers for creditworthiness, potential risk factors, sensitivity analysis.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Evaluated performance against goals and implemented appropriate development plans.
- Targeted and prospected for new business through telemarketing, individual creativity and innovation.
- Resolved customer issues quickly to close deals and boost client satisfaction.
- Led account planning strategy sessions aimed at retaining and acquiring customers and increasing business opportunities.
- Established and cultivated solid business relationships with new or existing customers.
- Met with clients, delivering presentations and educating on product and service features and offerings.
- Closed lucrative sales deals using strong negotiation and persuasion skills.
- Made detail proposal for client and cover all aspects as per company policy.
Education
L.L.B - Corporate Law
University Of Peshawar
Peshawar 2019.06 - 2022.08
Master of Science - Finance
FUUAST
Islamabad 2014.02 - 2015.09
MBA - Finance
FUUAST
Islamabad 2012.02 - 2015.09
B.com - Accounting And Business Management
University Of The Punjab
Islamabad 2009.09 - 2011.08
I.Com - Accounting And Business Management
Federal Board
Islamabad 2007.09 - 2009.08
High School Diploma -
Rawalpindi Board
Rawalpindi 2005.03 - 2007.08
Skills
Proficient in [English, Urdu And Punjabi]
undefinedCertification
Hospitality Management Executive Education
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Hospitality Management Executive Education
2022-09
L.L.B - Corporate Law
University Of Peshawar
2019.06 - 2022.08
Credit Manager
Islamabad Serena Hotel
2019.05 - Current
Employee Of The Year
2019-01
Employee of The Year
2017-01
Branch Manager ( Sales & Credit ) North Region
Rainbow Paint Industries
2016.03 - 2019.05
Master of Science - Finance
FUUAST
2014.02 - 2015.09
Assistant Manager Credit And Marketing
SME Leasing Ltd. ( Subsidiary of SME Bank)
2013.11 - 2016.03
MBA - Finance
FUUAST
2012.02 - 2015.09
B.com - Accounting And Business Management
University Of The Punjab
2009.09 - 2011.08
I.Com - Accounting And Business Management
Federal Board
2007.09 - 2009.08
High School Diploma -
Rawalpindi Board
2005.03 - 2007.08
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