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Anubhuti Kapoor_Resume 2016
- 1. CONTACT DETAILS ___ ANUBHUTI KAPOOR Address: 3 Sampson Crescent, Quakers Hill NSW 2763 Email: Anubhuti.kapoor@yahoo.com Mob: 0490054115 CAREER SUMMARY ___ Seasoned professional with a seven years record of providing exceptional collections management and financial business leadership. Decisive, strategic and performance driven with strengths in personal management, organizational troubleshooting and collection conflict resolution. Demonstrated track record of recovering millions of dollars from outstanding balances. Advanced problem-solving skills with proven ability to clarify and resolve complicated issues and situations. Successful history of developing and strengthening teams, departments and community relationships while supporting diversity. KEY COMPETENCIES ___ Extensive Knowledge of the Banking Industry and Financial Markets Credit expertise knowledge of credit, risk, collateral and financial management techniques. Administration Skills competency Strong stakeholder management, interpersonal, and customer relationship skills Excellent Communication (Verbal & Oral) and Presentation Skills Strong Leadership and Team Management skills Strategic Planning, Execution and Operational skills Analytical thinking problem solving skills with the ability to investigate and resolve issues Strong teamwork values and ability to work with both junior and senior team members An analytical brain and keen eye of details Experience of managing the portfolio of more than 80 million Proficient in using the SAP.SACS, LOGIC System. CAREER SUMMARY ___ Period Position/Role Organization Sep 2014- Sep 2015 Accounts Payable Destination NSW Feb 2014 August 2014 Account Receivable Officer/Account Payable Officer Gate Gourmet Australia Nov 2009 to May 2013 Manager Credit & Recovery (Metropolitan Hubs) HDFC Bank Ltd. India Apr 2006 to Nov 2009 Manager Collections& Credit (Delhi & NCR) INDIA. ICICI Bank Ltd. India Jan 2005 to Apr 2006 Relationship Manager Tata AIG Insurance Company Ltd, India
- 2. Dec 2003 to Dec 2004 Sales Manager MAX NEWYORK LIFE INSURANCE Destination NSW The Rocks, Sydney Accounts Payable /Finance Coordinator Communication (Temp) Sep2014-Sep2015 About Destination NSW Destination NSW is the leading government agency for the tourism and all major events in NSW its major goal is to diversify and implement strategies to grow tourism in NSW. Key Achievements: Appreciated for managing the communication finance division independently with prompt processing services Raising contracts and processing invoices of more than 100 suppliers in SAP and Spend vision in a day Ability to interact with corporate finance, team and supplier for any issues and advise Laid the process for better control on the invoices processed in Spend vison and SAP Managing, coordinating the foreign exchange policy for all the international payments and processing the same in the system Auditing the international payment and lesioning with the corporate team Responsibilities: Independently managing the finance of communication team for major events like VIVID, Easter, Matilda Managing the invoice processing functions in SAP including maintenance of general ledger, accounts payable, and finance budgeting to ensures accuracy and timeliness report Developed and implemented the process that control the company policies in accounts payable to function and ensure adherence to company guidelines Managing the posting the month end financial reporting to the team, that reflects the budget of communication team Provides accounting assistance to managers and team staff; responds to financial questions and concern in the invoices Act as a liaison between the company and the supplier in answering all the queries Managing, coordination with the supplier for the credit card transaction receipts and issuing the spend vison report to team Entering accurate account details of the suppliers in the system to ensure they are correct in the system Managing all ad hoc concerns and queries relating to the event budget and invoices Gate Gourmet Mascot, Sydney Account Receivable Officer /Account Payable officer(Temp) Feb 2014 Aug 2014 About Gate Gourmet Listed on the SIX Swiss Exchange, Gate Gourmet is the worlds largest independent provider of airline catering and provisioning services. Gate Gourmet serves around 9700 flights daily.
- 3. Key Achievements: Appreciated for attention to details i.e. identifying and resolving invoice issues in both Account Receivable and Account Payable department. Invoice entry of 800 plus suppliers in the system with no data entry errors Ability to interact with various levels of the internal and the external contacts Responsibilities: Accurate data entry of all Aircraft delivery orders in the SACS accounting system Prepare process and issue all month end invoices after thorough reconciliation of the delivery orders and any variances Identify, escalate and resolve any discrepancies found in the Aircraft orders, delivery receipts and invoices Ensure all flight batches are keyed, closed and scanned (including any associated documents) Upload various menu items and associate costs into the system. Weekly reconciliation and aging of the creditors accounts Support all ad-hoc activities in the department. First point of contact for the internal Production house, Customers and Suppliers Accounts Payable Proficient in using the Accounts Payable System (SACS LOGIC ,SAP) Processing 800+supplier invoices and credits in accordance with policies and procedures. Ensuring all the invoices / delivery documents are prepared, scanned and filed according to the process Reconciliation of the account statement Communicating with the suppliers and resolving the invoices discrepancies and escalating the same to the AP Manager Ad hoc duties as directed by the Finance Manager Manaslu Pty Ltd St Leonards, Australia Account Receivable/Payable Officer (Temp) Sept 2013 to Dec 2013 About Manaslu A small company based in St Leonards providing Data Management Services to Private, Government and Non-profit organisations. Services include Data Mining, Data Analysis, Market Data Segmentation, Data Trend Reports etc. Company also provides Data Brokerage service where it acts as agents in securing datasets from external agencies. These external agencies include Australasian Government Departments (Central/Federal State and Local) as well as commercial suppliers. Key Achievements: Successfully reconciled overdue bills with major customers and put an effective monthly reconciliation process in place Participated in various invoicing and payment reconciliation process improvement initiatives Responsibilities: Oversee all aspects of collecting payments due from accounts receivable Review and process suppliers invoices/credits within agreed timeframes Actively monitor progress of outstanding accounts under control Ensure arrears are cleared prior to next due payment
- 4. Act as a first point of contact for any escalation both internally and externally Provide outstanding Customer service to both internal and external stakeholders Work within Company and Regulatory Policies & procedures Receipting of customer payments and performing month end preparation and other ad-hoc duties Take ownership and successfully negotiate payment solutions with the more challenging overdue accounts Raising credit notes and releasing orders as appropriate Maintaining accurate records of account transactions and banking reconciliation. PROFESSIONAL EXPERIENCE _____ HDFC Bank Ltd. Delhi INDIA Manager Credit & Recovery (Metropolitan Hubs) Nov 2009 to Jun 2013 About HDFC Bank HDFC Bank is one of the largest private banks in India with a AAA Credit Rating and the mission to be World Class Indian Bank. The Business philosophy is based on Customer Focus, Operational Excellence, Product Leadership and People. The bank provides a variety of accounts, deposits, loans, investment, Insurance, forex etc. products through its network of 3,119 branches and 11,088 ATMs in 1,891 Indian Cities & Towns. (Visit website for details www.hdfcbank.com). Key Achievements: Managed the portfolio of more than 80 million (Approx. 50 Cr) Headed the special assignment of resolving high profile outstanding NPA (Non- Performing Assets) cases through legal and CIBIL bureaus at National Level. Awarded with Silver Certificate for achieving the best NPA numbers delivered in the year 2012. Headed the skip verification process for the branches. Develop training curriculum for inbound and outbound staff. Frequent speaker at bank events and meeting, on development of risk strategy and NPA movements. Responsibilities: Develop and execute Credit and Collection strategies to achieve business targets. Monitor credit limits, and work with risk team, sales desks and credit analysts to resolve credit limit breaches. Select, Recruit and Develop business relationship with external vendors. Manage targets allocated to both Internal Team and external vendors. Execute the skip verification process and implement new procedures within the department (as and when required). Conduct regular audits on both the internal and external teams to ensure banks compliance requirements, with the RBI (Reserve Bank of India), are adhered to. Initiate litigation process as per case requirements i.e. issuing arrear letters & statements, drafting written responses to legal professionals etc. Resolve escalated disputes with the Banking Ombudsman and various other regulatory bodies within the RBI stipulated timeframes. Approve credit applications after verifying completeness and validity of all documents Identify risk trends and report to Senior Management
- 5. ICICI Bank Ltd. Delhi Manager Collections& Credit (Delhi & NCR)INDIA. Business Loans (SEG Division) Apr 2006 to Nov 2009 About ICICI Bank ICICI Bank is India's largest private sector bank with total assets of Rs. 5,367.95 billion (US$ 99 billion) and profit after tax Rs. 83.25 billion (US$ 1,533 million) for the year ended March 31, 2013. The Bank has a network of 3,384 branches and 11,063 ATMs in India, and has a presence in 19 countries, including India. ICICI Bank offers a wide range of banking products and financial services t o corporate and retail customers. (Visit website for details www.icicibank.com) Key Achievements: Seconded to the position of Regional Manager Customer Grievances and administration of the department.(secured & unsecured loans) Delegated Power of Attorney to represent/act for Bank in court cases relating to disputes. Was able to resolve 40% of the outstanding cases in 2 months Awarded for achieving the best numbers every year from 2006 to 2009 Provided market research and executed various studies to strengthen credit line. Delivering more than 95% collection percentage in initial buckets. Meeting up all the essential KPIs. Responsibilities: Develop and execute strategy and business plan for the region through both internal staff and outsourced vendors Formulate and communicate wide range of credit policies and process upgrades, including improving analysis & reporting processes for credit requests, restructure authority levels for credit decisions, design and implement systems for monitoring large accounts. Make decisions for extending credit or lending money with detail knowledge of the customer credit history. Managing and Initiating Legal litigation process on delinquent customer and coordinating with the inside & outside legal team for the region. Managing the internal and external teams productivity, compliance and audit controls. Meeting the customer face to face for negotiation as and when required by the case. Prepare, and examine various monthly and quarterly roll rate performance reports of the loan product. Provide suggestion and inputs on policy changes based on portfolio indicators and delinquency string movements Integrated business line Risk Mitigation approaches and early warning triggers to support business. Implementing new techniques and strategies for reducing the delinquency through field /telephonic and legal processes. Develop educational and training curriculum for internal staff and external client programs, and conduct internal and external seminars and workshops in current risk management issues
- 6. Tata AIG Insurance Company Ltd Relationship Manager Delhi, INDIA. Jan 2005 to Apr 2006 About the Company: A joint venture between TATA Group and American International Group (AIG). The Company's products are available through various channels of distribution like agents, brokers, banks (through bank assurance tie ups) and direct channels like Telemarketing, Digital Marketing, worksite etc. It is one of the major private sector insurers in India offering life, health and group insurance products covering entire life-stage needs. (Visit website for details www.tataaiginsurance.in) Key Achievements: Awarded excellence award in Train the Trainer Program Exceeded all assigned personal sales target, including increasing new contracts and building of channel partners Responsibilities: Implement new strategies & develop new tools for sales promotion i.e. upselling and cross selling Manage the channel partners in increasing the sales ratio and assisting the vendors through motivation, counseling, and product training Work closely with brokers and assist them in sales meetings Manage on a daily basis the operation and the administration issues of the channel partners Investigate and resolve escalated customer issues and assist the customers in getting legitimate refunds or compensations MAX NEWYORK LIFE INSURANCE (Working through a Direct Sales Channel) Sales Manager Agra,INDIA. Dec 2003 to Dec 2004. About the Company: Max Life Insurance, one of the leading life insurers, is a joint venture between Max India Ltd. and Mitsui Sumitomo Insurance Co. Ltd that offers comprehensive life insurance and retirement solutions to approx. 3 million customers. In the financial year 2011-12 Max Life Insurance ranked fourth among private life insurers with a market share of 8.6%. (Visit website for details www.maxlifeinsurance.com) Key Achievements: Awarded Best Sales Manager award for continuously meeting and exceeding monthly sales targets Responsibilities: Identify and develop potential clients list, especially institutional and high-income accounts for upselling and cross selling Identifying profitable new alternatives and distribution points for increasing the Insurance sales Organizing special sales projects, such as new product introductions, sales promotions, advertisements etc.
- 7. Prepared and executed business, marketing and sales plans for the branch Negotiating with market research companies and advertising agencies Managing the recruitment and the hiring process of efficient agents to increase the team size. EDUCATION & TRAINING ___ Qualification/Certification Institution Year Finance Cert IV Walker & Miller Institute Queensland 2014 Insurance National Insurance Academy (NIA), PUNE, India 2003 Masters in Business Administration (Major: Finance, Marketing) Jaipuria Institute of Management 2001-2003 Bachelor of Business Administration (Major: Finance, Marketing) Agra University UP, India 1999-2001 High School i.e. XI & XII Standard (Major: Accounting & Commerce) St. Anthony Junior College, Agra 1996-1998 PROFESSIONAL TRAININGS ___ Six Sigma Cross Selling Managerial Effectiveness Team Building Passion at Work Personal effectiveness Time Management Financial controlling Process TECHNOLOGY SKILLS ___ Finance System SAP, Spend vison, Oracle BANKING SYSTEMS - FINNACLE, FCRM, CRM, Vision Plus, Host and i-Score INSURANCE SYSTEMS CRM, SQS MICROSOFT & OTHER OFFICE APPLICATIONS - Windows XP to 7, Word, Excel, PowerPoint and other Internet applications INTERESTS ___ Reading Travelling Painting Outdoor sports for fitness Meeting people & socializing REFERNCES ___ Available on request