15+ years operating Order-to-Cash, Credit Control, and AR Centres of Excellence across manufacturing, GBS/GCC, and financial data environments. I build the frameworks that keep working capital liquid while the factory keeps running.
Manufacturing operates on structurally long DSO. Distributor and dealer credit, project and institutional buyers, and thin margins mean one default erases the profit of ten good sales.
The tension is constant: Sales wants volume and channel expansion; Finance wants a clean balance sheet. When credit control is imported from services or retail, it either chokes dealer-led growth or lets exposure drift until provisioning eats the quarter.
My practice bridges the plant floor and the CFO's office—building credit frameworks that understand cyclicality, security norms that match how channels actually trade, and collection discipline that protects working capital without strangling the despatch bay.
Trade credit policy, approval matrices, delegation-of-authority, credit-committee cadence, and standardised customer evaluation tuned to industrial channels.
Creditworthiness of distributors, dealers, OEMs, project contractors, and institutional buyers using third-party intelligence. Limits set against financial strength and cyclicality.
DSO, ageing, collection efficiency, and bad-debt provisioning. Overdue escalation and stop-supply discipline implemented without choking dealer-led growth.
Bank Guarantees, LCs, PDCs, security deposits, and trade credit insurance—structured for how manufacturing channels actually trade—plus claims coordination.
Aligning Sales, Commercial, Finance, Supply Chain, and Legal so credit discipline enables expansion instead of being viewed as a blocker.
Credit-exposure, DSO, ageing, provisioning, and portfolio-risk MIS. VBA/RPA automation replacing manual month-end reporting with live dashboard visibility.
Of potential bad debt identified and mitigated before the 90-day bucket through early-warning scoring and limit triggers.
Average reduction in Days Sales Outstanding within 6 months of framework implementation across manufacturing books.
Faster resolution of overdue receivables through structured escalation matrices and legal coordination protocols.
Reduction in provisioning requirements through accurate risk-pricing and security cover optimization.
Average working capital liquidity unlocked per ₹100 Cr of turnover by tightening the O2C cycle.
Elimination of manual month-end MIS through RPA deployments and live dashboard architecture.
Architected and scaled a 24×7 global AR CoE handling collections, dispute management, and cash application across 14 countries. Standardised credit evaluation protocols for distributor networks.
Led the transition from fragmented regional credit logs to a centralised, real-time exposure dashboard. Integrated third-party credit intelligence to score live overdue books.
Deployed VBA/RPA bots to eliminate manual month-end ageing reports. Established live scoring models that trigger automatic stop-supply flags and credit-committee reviews.
Embedded as your outsourced Head of Credit Risk for scale-ups or mid-market manufacturers who need senior oversight without a full-time FTE commitment. Cadence: 2–3 days/week.
Ongoing review of credit committees, limit approvals, and provisioning governance. I sit in on monthly credit reviews and provide independent risk assessment to the CFO/Board.
A 90-to-120-day build-out of a credit-control framework from scratch. Includes policy design, DoA matrices, MIS dashboards, and training of the in-house collection team.
A 30-minute diagnostic session where I review your current ageing buckets, DSO trends, and provisioning exposure. You will leave with a one-page map of where your working capital is leaking and how to stop it.
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