Raed Al Khayrat
Perth,Australia
Summary
Credit management and collections analyst with extensive experience at Givaudan, specializing in credit risk assessment and dispute resolution. Proficient in financial statement analysis and compliance, leading to enhanced collections outcomes. Skilled in negotiating payment plans and building strong relationships with clients and internal teams to reduce risk and improve cash flow.
Overview
16
16
years of professional experience
Work History
Credit Management & Collections Analyst
Givaudan
Budapest, Hungary
09.2023 - 11.2025
- Led daily collections activities for customer portfolio, addressing overdue balances via phone and email.
- Conducted targeted follow-ups on high-risk accounts, escalating issues per internal controls.
- Analyzed annual financial reports and regulatory filings to evaluate credit risk exposure.
- Established and reviewed customer credit limits and payment terms in accordance with corporate policy.
- Collaborated with corporate finance to determine bad debt reserve needs and recommend provisions.
- Supported management of bankruptcy cases, coordinating with external agencies and legal counsel.
- Contributed to decisions on order release and credit holds, balancing risk with commercial needs.
Credit & Collection Analyst
Flowserve Hungary Services Kft.
Budapest, Hungary
12.2020 - 02.2022
- Reviewed credit applications and assessed customer creditworthiness.
- Analyses financial statements to identify risk indicators and exposure levels.
- Collaborated with Sales to clarify payment terms and resolve disputes.
- Contributed to internal reporting to support risk reduction and improved collections outcomes.
- Analyzed customer accounts to identify overdue payments and potential collection issues.
- Collaborated with cross-functional teams to resolve billing discrepancies and disputes.
- Managed collection activities through phone calls and written correspondence with clients.
Accounts Receivable Specialist
GE Capital (GE Capital WCS)
09.2015 - 03.2018
- Managed AR portfolio and performed structured follow-ups on overdue invoices.
- Negotiated payment arrangements and resolved billing discrepancies.
- Processed cash receipts and reconciled AR ledgers to support accurate month-end reporting.
- Managed customer accounts and processed invoices efficiently.
- Reviewed payment histories to identify discrepancies and resolve issues.
- Collaborated with internal teams to improve collection processes.
Project Assistant
Première Urgence – Aide Humanitaire International
03.2011 - 09.2012
- Streamlined project documentation and reporting systems for improved efficiency.
- Organized meetings and workshops to enhance team collaboration.
- Supported field staff in resource allocation and supply chain management.
- Compiled data for project evaluations and stakeholder presentations.
- Developed training materials to improve understanding of humanitarian standards.
- Maintained project schedules to ensure timely initiative execution.
- Communicated effectively with local partners to strengthen community engagement efforts.
Community Service Center Coordinator
Danish Refugee Council
03.2010 - 10.2010
- Coordinated service delivery for vulnerable populations across multiple locations.
- Streamlined processes to enhance response time to client needs.
- Facilitated inter-team communication to improve service coordination.
- Managed logistics and scheduling for staff and volunteers.
- Maintained accurate records of service requests and resolutions.
- Organized community outreach events to promote available services.
- Supported resource allocation to maximize program effectiveness.
- Assisted in developing training materials for new staff and volunteers.
Education
Master of Arts - Public Policy (Development & Economics)
Central European University
Budapest12-2019
Bachelor of Arts - International Law
Damascus University
07-2008
Skills
- Credit and risk management
- Credit risk assessment
- Credit limit reviews
- Financial statement analysis
- Credit policy compliance
- Exposure monitoring
- Accounts receivable and collections
- End-to-end collections
- Aging analysis
- Dispute resolution
- Cash application and reconciliation
- Payment plan negotiation
- Controls and reporting
- Bad debt provisions
- Escalation processes
- Legal coordination
Work Rights
Visa Subclass 491 – Full Work Rights
Languages
English
Full Professional
Arabic
Native/ Bilingual
Hungarian
Limited
Timeline
Credit Management & Collections Analyst
Givaudan
09.2023 - 11.2025
Credit & Collection Analyst
Flowserve Hungary Services Kft.
12.2020 - 02.2022
Accounts Receivable Specialist
GE Capital (GE Capital WCS)
09.2015 - 03.2018
Project Assistant
Première Urgence – Aide Humanitaire International
03.2011 - 09.2012
Community Service Center Coordinator
Danish Refugee Council
03.2010 - 10.2010
Master of Arts - Public Policy (Development & Economics)
Central European University
Bachelor of Arts - International Law
Damascus University