1. Wilsonjose44u@gmail.com Page 1 of 3
Wilson Jose
Mobile: +968 98624806-Email:wilsonjose44u@gmail.com
Strengths
 Gained 5+ years experience
 Well versed in SAP,ADP,E- Drive & Tally ERP 9
 Reconciliation-Receivables-Presentation skills
 Excellent analytical & problem solving skills
 MIS reporting-Credit Accounts management Skills
 Research Skill-Effective Decision Making-Team Work
 Balance Confirmation, Credit Confirmation
 Working Knowledge ADP BMW Standard Software
 Acquired MBA and Master's degree in Finance
 Extensive Accounts and Finance Experience
 PDC Management,Credit controlling,forecasting skills
 Strict Compliance to Set Policies & Standards
 Credit Approval, Credit Follow up, Aging report
 Aging Debt Analysis, Collection Report, Target Fixing
 Credit Control policy, Credit meeting
 Best Performer Award
Master of Business Administration - Sikkim Manipal University
Bachelor in Commerce – Accounting – St. Thomas College Calicut University – Thrissur Kerala, India
Certification in Computing Accounting & Finance – Institute of Cost Accounts of India (ICAI)
Certification in Information Technology NIIT – Thrissur Kerala, India
Credit Analyst – Suhail Bahwan Group Holding LLC Muscat, Sultanate of Oman Apr 2013 – Present
Credit Analyst – Ujjivan Financial Pvt Ltd, Bangalore, India Dec 2011– Nov 2012
Audit Executive – Hampshire management– Business Consultant & Auditing, India May 2010 – Oct 2011
 Gained 5+ proven experiences within diversified industries in domains of Receivable Management, CreditAnalyst and
Administration.
 Played significantrole in CreditApproval and various analyses,Preparation ofMonthly Financial Statements,Reporting
to each business uniton their performance with budgetcomparison monthly.
 Developed strategic financial and business plans and established operational goals & objectives for the management.
 Successfullyspearheaded the whole gamutofAccounting Managementand immenselycontributed business growth.
 Secured companyfinances by preparing accurate financial accounts and resolved accounting discrepancies.
 Performed assigned workload with indefinable enthusiasm,commitment,hones tyand dedication and drove towards
contributing to continued business growth.
 Successfullyachieved performance parameters as well as organizational goals and objectives.
Profile Summary
Educational Background
Competent,Dynamic and Gulf experience professional with 5+ year’s record of delivering key significantcontributions
towards companies’ continued business growth. Demonstrate robust competency in directing wide range of duties
within diversified industry in Oman and sound knowledge of Credit System, Financial Collection, and Debt
Management, cash flow management, MIS Reporting, cost controlling & forecasting skills. Strategic thinker with
significantcontributions in core business activities with excellentskills in analysis,reporting and control of the financi al
flow of the companyto drive efficiency and financial productivity improvements; Knowledgeable with various banking
departmentactivities having proactive approach in continuouslydeveloping and im plementing process improvements.
Committed, honest and results driven team leader with excellent communication, analytical, coordination, planning,
organizational, problem solving, decision making and time management skills. Well versed in customized financial
accounting software SAP, ADP, E-Drive, Tally ERP 9 and MS Office application. Seeks a challenging senior work
profile to apply knowledge and expertise on a larger scale
Career Snapshot
Achievements
Proven Job Role

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Credit Analyst – Suhail Bahwan International Group Holding Muscat Sultanate of Oman
 Effectively assessed credit risk and client viability analyzing financial statement and cash flow of customers .
 Provide and Support cash forecasting, planning, Accounting Receivable and business support to credit team
 Prepare daily Collection report based on incoming payment, revenue and receivables
 Assist in the production of the annual budget and periodic forecasting.
 Attend and handle customer request as well as sales enquires and inter – related department issues
 Produce the Aging debt analysis, Sales reports, Cash & Collection reports monthly forecasts for approval by the GM
Trade Credit and VP Credit
 Ensure Proper accounting for revenue and receivable with appropriate internal accounting controls.
 Assist the sales team, field sales team, Collection executive & Customers to resolve the credit and sales issues.
 Maintaining records and prepare of balance confirmation and reconciliation ofcustomer accountto ensure correctness of
statement
 Update and monitor credit application by new or existing customers
 Managing credit and collection procedures which include assessing and evaluating various credit reports .
 Analyzing financial performance and so contributing to medium and long-term business planning/forecasts.
 Check and Confirm is SAP regarding LC negotiated documents and filing
 Implementing corporate governance procedures, risk m anagement and internal controls
 Checking unpaid Claims and outstanding invoices in SAP.
 Uphold awareness of applicable credit laws and regulations to maintain up to date compliance.
 Maintain inter-company accounts with supporting documents on timely basis, send monthly statement.
 Attend monthlycredit meetings and provide and suggest policy and procedure improvements.
 PDC management and custodian of PDC
 Maintain bad debts and bad debts recovery records.
 Fixing monthly target and preparing monthly collection report for trade debtors.
 Preparing Credit Confirmation and Balance confirmation
 Analyzing financial statement of borrowers in order to evaluate credit quality and portfolio risk.
 Overseeing the effective collection of company debt.
 Ensure that invoice preparation and delivery process are viewed and improved to ensure the accuracy and timeliness of
invoicing.
Monthly Reporting
 Preparation of the Statement of account, Reconciliation, Aging Debt analysis, Collection report, C&C Sales Report,
Minutes preparation and all related Management reporting including analyzing variances to plan.
Audit/Review
 Work with the internal &external auditors to provide relevant documents ensuring thatall queries are accurately advised.
 Carry out own internal audits to ensure safeguarding of relevant policies & processes, providing full written statement
and appropriate business actions where necessary
Credit Analyst – Ujjivan Finance Pvt Ltd
 Verifying loan application forms & approving loans
 Analyze credit data and financial statementto determine the degree ofrisk involved in extending credit or lending money
 Check the customer’s credit history
 Check the customers loan application are satisfied with credit criteria
 Evaluate customer records and recommend payment plans based on earnings, savings data and payment history
 Confer with credit association and other business representative to exchange credit information.
 Complete loan applications,including creditanalysis and summaries ofloan requests,and submitto loan committees for
approval
 Generate financial ratios, using computer programs, to evaluate customers financial status
 Review individual or commercial customer files to identify and select accounts for collection.
 Prepare customers overdue list
 Conduct credit training for branch managers
 Consult with customers to resolve complaints and verify financial and credit transactions.
 Handling queries by mail or phone
 Credit bureau checking and credit controlling
Audit Executive- Hampshire Management Consultant Pvt Ltd, India
 Compile and analyze financial information to prepare entries to accounts, such as general ledger.
 Monitor & Review accounting related system reports for accuracy & completeness.
 Prepare & Review revenue, expense, Payroll entries, invoice, TDS payment and other accounting documents
 Handling inventory management
 Reconciling bank statement and prepare final account (P&L and B/S)
 Maintains and balances subsidiary accounts by verifying, allocating, posting, reconciling transactions; resolving
discrepancies.
 Prepare MIS report and verifying documents with supporting evidence (Vouching)
 Analyzing & identifying fraud with help of documents.
 Check the purchase register and assess the fixed assets.
 Submitting audit reports and presenting on time.
 Analysis of existing stock and rectifying error transaction
 Reporting all actual financial losses

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Trainings & Seminars
 VBA Training Program
 Advance Excel Training
 Macros & VBA Excel
 Microsoft Pivot Table
 Personal Effectiveness Training
 Presentation Skills Training
Project Undertaken
 Management Audit – Manapuram finance Pvt Ltd India
 Management Audit–Royal Engineering College India
 The Scope of Micro Finance In The Indian Context – ESAF Micro Finance India
 Proficient in MS Office application (Word, Excel, PowerPoint, Email application & Internet browsing)
 Well versed in SAP FI , ADP FI, E-Drive FI & Tally ERP 9 based accounting software
 Microsoft Office Specialist Excel
Nationality : Indian
Date of Birth : 27th
Nov 1988
Marital Status : Single
Visa Status : Employment Visa
Languages : English, Hindi, Malayalam & Tamil
Reference : Available upon request
IT Proficiency
Personal Details