Biplov AdhikaryMobile No. +91-9716059731, Email: biplova8@gmail.com

PERSONAL OBJECTIVE: I look forward for a long-term association with an organization, where I can learn and grow in an effective manner and thus prove my worth for the benefit of the organization. My primary endeavour is to devote time for doing different kind of business analysis for helping the company in embarking on steady growth path. I do feel my formal education as well as my experience will be of great help to me.

PROFESSIONAL PROFILE1. A competent professional with more than 6 years’ of experience in Operations of B2B Credit and Collections, B2B Credit

analysis & AR Management, B2B Customer Service, Billing reconciliation, Cash application and reconciliation.2. Proficient at managing process operations & experience of developing procedures, service standards for business excellence.3. Resourceful at maintaining cordial relations with customers & providing value added customer service, ensuring quality and

service norms to achieve customer satisfaction.4. Recipient of numerous commendations awards by top management for delivering superlative performance across the entire

career span.5. Excellent interpersonal, communication and organisational skills with proven abilities in team management and planning.6. Leveraging the understanding of Danaher Business system in my working pattern for securing bottom line of my

deliverables.CAREER HIGHLIGHTS 1 st Organisation: Senior Executive – Operations Receivables Management Services Pvt. Ltd. (now IQor Group)(7th May 10- 5th May 2012)The organization specializes in Debt Collection Agency, Recovery Services, receivable management services, chargebacks, cash application, collections, collection letters, Cash Application Exception Processing, and Back-Office Support Services we utilize methodologies that include conducting up-front root cause analytics to identify and explain existing deficiencies, as well as post-initiative evaluations and ROI metrics that quantify the effectiveness of our solutions.

I was working for Hewlett Packard Financial Services (A process involving complete AR Management)of Australia, New Zealand and India in Credit and collection team. The work involves the following activities:7. Preparation of the Management Portfolio report from the RMS in-house software named ‘Synergy’ and

analysing the performance of each account in the portfolio segment for both processes. 8. Responsible for collection of receivables, incoming deductions, cash forecasting, credit memos, claims and

disputes settlement.9. Account reconciliations and resolution of issues in coordination with internal and external parties. 10. Monitor calls, emails and activity on accounts to ascertain that desired quality has been maintained and

executing payment application and also monitoring the across the team.11. Maintaining a smooth functioning credit portfolio -supplying responsive, process-effective services to internal

and external customers.12. Organize and participates in credit control, distribution centre, Sales and Customer meetings13. Evaluating credit risk, making recommendations on and/or setting temporary credit limits on new accounts

and following an established procedure on collections.14. Training for new hires as well as process refreshers.15. ERP used: SAP, Synergy, Simon etc.16. Also conduct trainings on collection skills like Collection Pyramid, Collection Model and on soft skills for both

verbal and written medium.17. Conduct weekly Call reviews with clients (HPFS client based in India at Bangalore, Australia-New Zealand in

Kuala Lumpur and In Malaysia.ACHEIVMENTs

1. Achieved more than 100% target consecutively for 12 months.2. Promoted to Senior Executive in 8 months.

2 nd Organisation: Agilent Technologies ( From May 7, 2012 to 5th Dec 2014) (Finance Co-ordinator in Credit and Collections)Agilent Technologies is a global company that designs and manufactures electronic and bio-analytical measurement instruments and equipment for measurement and evaluation.I was associated with Credit and Collection Department as Credit controls executive team for US, UK, Ireland and India regions with a portfolio of almost $ 15 million with more than 300 B2B customers with a highly quality of service.18. Prepare AR related reports, AR ageing, Credit Limit report, DSO report and assist in collecting any other report or information

to the management.19. Regular reviews of customer accounts in representatives’ queues to ascertain proper action has been taken and improve

liquidation and spin on accounts.20. Responsible for collection of receivables, incoming deductions, credit memos, claims and disputes settlement.21. Maintaining a smooth functioning credit portfolio -supplying responsive, process-effective services to internal and external

customers.22. Responsible for timely booking of Credit Notes, Debit Notes to Customers on various account and TDS/ VAT/CST implication

on Credit/ Debit Notes.

23. ERP using here : Oracle R 12, SAP CRM, SAP ERP, Filenet,Aceva etc, Siebel.24. Liaising with different business functions ( Sales, service, Order management or CS and Applications) at various business

sites related to customer disputes, invoice copies, proof of delivery, contract/purchase order issues, etc.25. Evaluating credit risk, making recommendations on and/or setting temporary credit limits on new accounts and following an

established procedure on collections.26. Weekly reviews with Manager, credit analyst and Regional manager on High risk, High Default, NOC and Denial customers as

I am the only one who’s has taken care of all such customers in my team. 27. Regularly monitoring credit rating and financial performance of the customers and ensuring timely action when needed.28. Organize and participates in credit control, distribution centre, Sales and Customer meetings, deduction management

(allowable & preventable).29. Analysing the training need and accordingly fine-tuning the training modules for imparting training on soft

skills/product/process.30. Analyse reports monthly and implement process improvement plans to increase productivity and service levels.

Achievements

1. Applauded and certified for highest collections multiple times.2. Appreciated multiple times for innovative idea for process developments.

CURRENT ORGANISATIONFrom Dec 8, 2014, I am Driving Credit and Collections of Complete India with Sciex Pte Ltd,(A Danaher operating company ). ((** Brought DSO down by 15 days from previous by 2015 end**)) SCIEX's global leadership and world-class service and support in the capillary electrophoresis and liquid chromatography-mass spectrometry industry. Following are my responsibilities and duties for my organisation:- Responsible for Credit administration and resolution of all related issues independently through proper analysis

however maintained TAT of 8 working hours for resolution, feedback with alternatives or proper escalation of every order.31. Maintain risk awareness through solid credit analysis of a strategic international portfolio and current customer list. Evaluate

credit risk, make recommendations on and/or set temporary credit limits on new and existing customer accounts.32. For listed customers, doing a credit check through Dunn and Bradstreet and other sources before recommendation.33. With every incoming order, I recommend my approval after checking customer credit matrix followed by overdue and

customer behaviour towards the collection activities in order to keep DSO below 60 days.34. Pushing system for a better Credit term to avoid potential frauds and risk with all Private and Govt. customers.35. Basis customer payment history and co-ordination behaviour, I recommend payment terms and credit term for Instrument

(CAPEX), Service Contracts (Comprehensive and Labour) & Spares.36. Basis my checks and understanding, I keep recommending and setting customers threshold credit limit, approval limit and

Order credit limit time to time to avoid future risks.37. Cross checking re-imbursement claims placed by customer and also Responsible for providing authorised approval for

release of credit blocked orders and taking decision credit decisions. Responsible for all collections activities and AR management of all customers in India

Reporting: 38. Prepare and Circulate Monthly and weekly AR reports (Account Receivables) to Regional Sales and service heads, Finance

Manager(India), CFO (India), Managing Director(India).39. Monthly and weekly Credit hold customers, High Risk customers and High value but risky customers to Service heads and

Finance Manager.40. Weekly Collections report with forecast of further prospects through Visual management.41. Escalate potential bad-debts, collections issue to finance manager and concerning team for earliest resolution.42. Make plans and execute it till the accomplishment as per our Danaher’s core values.43. Always execute endeavoured activities considering business relationships.

Dispute management: 44. Co-ordinate with Sales & Service heads and regional managers, customer service manager, finance manager (India) and

taxation, Legal and EMEA finance controller for exact and complete resolution of disputed issue.45. Initiate weekly calls with all regional Service managers to resolve customer issue and payment issue.46. Escalate un-resolved issue and follow up till the resolution through flagging the risk and financial implications.

Collections of all accounts receivables, TDS certificates, C-forms, Bank guarantees47. Making calls, sending E-mail reminder and also sending reminder and dunning letters to customer.48. Making personal visits to concerning customers for payments and resolving issues.49. Arranging Invoice/Bill delivery either through email and post customer with all relevant statutory documents required for

payment.50. Weekly AR discussions with Sales and Service commercial managers for influence and help in collections.51. Correspond with Banks for resolution of issues related to collections for all Letter of credit (LC), Cash against document

(CAD) payments followed by escalations where there is a delay.52. Pro-active approach towards collections and AR dispute management, where I also involve different departments wherever

required for timely collections.53. Responsible to help in cash application to concerning team with payment allocation instructions and squaring off the books.54. Responsible for ensuring collection and forecast metrics monthly, quarterly and yearly as well.55. Review and approve global tax withholding submissions (TDS certificates: Service Tax).56. Build relationships with relevant business partners to ensure a smooth cooperation between the Credit department and the

business.57. Work closely with Sales and Service heads and Regional managers not only to escalate high delinquent accounts but to also

structure financing alternatives for customers requiring special finance related help.

Achievements (Since Dec 2014) 1. Reduced Bad-debts reserve recovery from $405k to $ 32k in 8 Months, for which my effort got recognized by

Organisation by Certifying and prized an amount of $ 300/-.

2. Danaher has also recognized my effort for highest collections record in AB Sciex history by Certifying and prize money.3. Drop in DSO from 90 days (YOY) to 72 days (YOY) in 2015 and now heading towards a target of 65 days in 2016.

EDUCATIONAL CREDENTIALS: MBA finance from KSOU. Bachelor of Business Administration (BBA) from Guru Jambeshwar University (GJU) High Secondary with First Division in 2007. Computer proficiency: Basic and web designing

DATE OF BIRTH: 27th April 1990.