Rima Kansagra
Melbourne,VIC
Summary
Experienced people leader with 15 years in customer-centric delivery within high-pressure environments. Proven track record of achieving rapid business results through strong business acumen and effective people leadership. Committed to exceptional customer service and consistently exceeding bottom-line performance.
Dedicated professional with a strong focus on customer-centric organizations, emphasizing the importance of client and employee satisfaction. Proven track record in fostering talent and promoting a culture of recognition and reward. Committed to driving exceptional results through effective collaboration and engagement strategies.
Overview
13
13
years of professional experience
Work History
Credit Analyst
TEAM GLOBAL EXPRESS
01.2021 - Current
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Developed strategies to manage delinquent accounts and reduce overall portfolio risks.
- Maintained accurate records of all transactions related to credit activities.
- Participated in regular meetings with internal stakeholders to discuss best practices for managing the organization's loan portfolio.
- Analyzed customer payment histories to assess credit risk profiles.
- Reviewed and analyzed the financial statements of potential customers to determine creditworthiness.
- Consulted with senior management regarding proposed changes in underwriting standards or procedures.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
Senior Credit Officer
SENSIS/THRYV (Yellow Pages)
01.2017 - 01.2021
- Managed aged trial balance, achieving lowest possible outstanding amounts through client engagement.
- Built strong customer relationships to facilitate debt collection, dispute resolution, and payment plan negotiations.
- Aggregated and presented monthly group executive reporting packs to leadership.
- Managed portfolio of high-value accounts by providing guidance on credit decisions and monitoring customer payments.
- Assisted team with credit-related requests, ensuring proper documentation and workflow management.
- Conducted training and quality assurance through call monitoring for team members.
- Conducted periodic reviews of existing accounts to ensure that all transactions were properly documented and recorded according to established guidelines.
- Provided constructive feedback to Collections Manager to enhance internal processes.
- Performed credit checks and verified directors’ guarantees for risk assessment.
- Reconciled accounts with finance and debt collection agencies to maintain accuracy.
- Conducted credit reviews on corporations to assess financial conditions.
Credit & Collection Officer
SENSIS/THRYV (Yellow Pages)
03.2015 - 01.2017
- Managed key ledgers and high-value accounts to ensure accurate financial tracking.
- Initiated and implemented recovery actions for diverse debt portfolios.
- Conducted monthly and weekly debtor reporting, following up on outstanding accounts.
- Issued credits and recharges, allocated payments, and reconciled accounts efficiently.
- Worked towards achieving company targets while maintaining compliance.
- Streamlined workload management to address conflicting deadlines and priorities, achieving team objectives.
- Escalated non-compliant clients across group trading terms to mitigate risks.
- Ensured timely action on overdue accounts by global shared service team.
- Identified process improvements to enhance collection efficiency and mitigate credit risk.
- Understanding of regulatory and payment-difficulty obligations.
- Collaborated with Accounts Receivable team on uncollected cash balances.
- Led complex customer engagements to align debtor management with company Credit Policy.
Client Service Account Manager
SENSIS/THRYV (Yellow Pages)
07.2012 - 03.2015
- Maintained and built relationships to retain and grow customer portfolio through upselling.
- Resolved customer queries on first attempt while following up when necessary.
- Advised customers on optimizing expenditure and recommended product changes.
- Retained customer spending by identifying solutions aligned with business objectives.
- Achieved customer metrics for turn-around time, strike rate, productivity, and quality.
- Identified opportunities for product and service growth by analyzing market dynamics and customer requirements.
- Managed client accounts using various software applications, such as Salesforce CRM.
- Introduced tailored recommendations to businesses using a win strategy.
- Set clear expectations for businesses to foster advocacy through optimal service.
- Supported sales team members to drive growth and development.
Education
MBA - Finance
Gujarat University
Gujarat, India05-2005
BBA -
Gujarat University
Gujarat, India05-2002
Skills
- Organizational and time management skills
- Effective verbal and written communication
- Self-motivation and teamwork
- Data analysis
- Coaching and interpersonal skills
- Willingness to learn new systems
- Customer service and debt collection
- Adaptability to process changes
- PowerBI competency
- Proficiency in Microsoft Office, Oracle, Xero, and Salesforce
- Credit risk assessment
- Financial statement analysis
Languages
Gujarati
Native/ Bilingual
Hindi
Native/ Bilingual
Affiliations
Enjoy reading a variety of genres that broaden my knowledge and perspective
Passionate about cooking, exploring new recipes, and culinary techniques
Love watching documentaries that delve into intriguing topics and provide insightful narratives
Find inspiration in listening to motivational speeches that encourage personal growth and empowerment
References
References available upon request.
Timeline
Credit Analyst
TEAM GLOBAL EXPRESS
01.2021 - Current
Senior Credit Officer
SENSIS/THRYV (Yellow Pages)
01.2017 - 01.2021
Credit & Collection Officer
SENSIS/THRYV (Yellow Pages)
03.2015 - 01.2017
Client Service Account Manager
SENSIS/THRYV (Yellow Pages)
07.2012 - 03.2015
MBA - Finance
Gujarat University
BBA -
Gujarat University
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