1. +97143707679;+971559766664/50;2458573
josephfassioms@gmail.com
Karama,Dubai,UAE JOSEPH FASSIOMS
~Accomplished professional with a pioneering 19 + years’ of experience and year-on-year success in managing entire commercial and Credit
Controlling,monitoring the GRP and reach deliveries across alldemographics,updating the sales teamregularly on the performance of Programs
and performing many other activities as assigned by top management~
~Expertise in managing Commercial &Credit Controlling functions in co-ordination with internal / external departments for smooth business
operations. Skillful in creating a credit and collection policy which includes all International standards ~
~Skilled in analyzing the needs & priorities to facilitate development & implementation of strategies targeted at achieving overall en hanced
business reputation of the organization~
~Highly organized, extremely detail-oriented, and capable of multi-tasking in a fast-paced, deadline driven environment; excellent time
management and organization skills, with a track record of managing multiple complextasks simultaneously~
Professional Summary
 Seasoned, top level Commercial & Credit Controlling professional offering extensive
knowledge in managing commercial and Credit Controlling activities, ensuring that all
transactionsare compliant with Company's policies,developing andleading development of
Commercial and Credit Controlling plan,preparing the yearly, quarterly and monthly budget
for cash inflow .
 Expertise in interpreting corporatevision and strategy,translatingobjectives into actionable
plans to achieve operationsandobjectives.Working knowledge of UCP 600 and UDRGand
international trade
 Last associatedwith Rotana Media Services FZ LLC as Commercial and Credit Controlling
Director. Trustedservice record with Mindware FZ LLC as Regional Credit Manager; Tech
Data FZ LLC as Credit Controller; IngramMicro India Pvt Ltd., Chennai as Member Credit
and with many other organizations.
 Efficiently prepared and reviewed the P&L,Balance Sheet and Cash Flowon a monthly and
Quarterly basis -Compared the budget numbers with the actuals.Prepared Dashboards of all
KPI's which provide the management with a clear picture of where we stand based on our
budgets/forecasts.
 Breadth ofexperience across allaspectsofstrategizing, directing and executing operations.
Strong skills in communicating with clients, balancing multiple priorities and effectively
handling challenging situations.Capable ofworking effectively with large teams and able to
liaison with all departments and senior management, in accomplishing objectives.
 Dedicated professionalwith excellent coordinationand teamcoordination skills coupledwith
an ability to cut across cultural barriers effectively in business scenario; persuasive communicator with skills in obtaining commitment
 Excellent interpersonal, communication and organizational skills with proven abilities in customer relationship management and business
communication
Professional Credentials/Skills & Domain Skills
Professional Profile HIGH PERFORMANCE COMMERCIAL & CREDIT CONTROLLING EXPERT

2. 2
Foundational Strength
Commercial&Credit ControllingManagement ♦ Strategic Support ♦ Budgeting Activity ♦ Approving Credit Notes ♦ Stakeholder & Relationship
Management♦ Liaison&Coordination♦ Negotiations♦ Crisis &EmergencyManagement♦ ARledgerManagement♦ Plans &Procedures♦ Training and
Development♦ DashboardsforSalesTeam♦ TacticalDeals♦ MonitoringGRP& Reach Deliveries ♦ Credit Insurance Policy ♦ Leadership Acumen ♦
Internal and ExternalAuditors Management
Work Experience
2011- 2016 with Rotana Media Services FZ LLC as Commercial and Credit Controlling Director
Key Deliverables:
 Joined as a Credit Manager –GCC, Egypt and Beirut later promoted to Director Commercial and Credit Controlling.
 Dexterously worked and implemented the ADs and Promo Trafficking systemMYDAS; re-negotiated the contract with MYDAS teamfrom
year 2 with a reduction of 40%; created credit and collection policy which includes all International standards of accounting and Rotana’s
internal and external audit procedures.
 Successfully implemented the online transferof commercials to the broadcasting station thereby saving the company both money and time
along with it streamlined the workflow of operations to achieve greater visibility and better performance.
 Delivered support in developing and leading development of Commercial and Credit Controlling plan which delivers key revenue target;
managed department budget, staff, protocols, disciplines and processes. Communicated clear strategies and developed clear direction.
 Inspected allcommercial contractsto ensure Rotana meet allROI’s in terms of production,spaceand deliverables.Ensuredthatthe commercial
terms are favorable to Rotana.Monitored the GRPand reach deliveries across alldemographics constantly to be able to give o urclientsthe best
possible Media Plans; updated the sales teamregularly on the performance of Programs against the availability of space/inventory.
 Prepared the yearly, quarterly and monthly budget for cash inflow and to co-ordinate with the finance teamto ensure that we are positive.
Reported the Budget and Actual revenue numbers weekly and monthly
 Responsible for the AR ledger of the company with branches located in UAE, KSA, Beirut and Cairo.Approved credit notes after cross
checking the authenticity of the requests.
 Maintained alldeals ofclients and checking periodically if there is any breach in the terms. Prepared dashboards for the sales teamfor their
negotiations with the agencies and clients.
 Coordinated with various professionals and maintained all the necessary documents; assisted with high severity requests as ne eded.
 Manageda teamof 5 Managersand theirteams to ensure the cashflowwas above budget. Reduced the AR ledger by 50% in 2 years without
losing clients
 Management reporting: Prepared and reviewed the P&L, Balance Sheet and Cash Flow on a monthly and Quarterly basis - Compared the
budget numberswith the actuals.Prepared Dashboards ofallKPI's which provide the managementwith a clear picture ofwhere we standbased
on our budgets/forecasts.
 Compared the Revenue/Costs/Cash flow monthly and quarterly against the budget / forecast.
 Prepared the Sales/Cost and Cash flowyearly Budget and quarterly forecast based on the market scenario, trends of industry, investment in
channel and channel performance.
 Streamlined and issued the quarterly commission structure of the sales and collection team. Was able to ensure a professional written and
committed sales and collection target where there was no bias.
 Ascertained training needs of employees and accordingly formulating training schedules and devising training programs
2007- 2011 with Mindware FZ LLC as Regional Credit Manager
Key Deliverables
 Joined as a Credit Manager – UAE and GCC (excl KSA) promoted as Regional Credit Manager handling UAE, GCC, Egypt, KSA and
Lebanon. Accountable for ensuring that 3 credit managers handling 3 different regions and their teams with a personnel of 8 p erformtheir
duties; successfully introduced the Hierarchy of Credit reporting and approval in the teamthereby empowering themto perform smoothly
 Accountable forreviewing customers bymaking visits,understanding their business cycle, reviewing the Audited Financials, analyzing the
financialstrength,credit rating and deciding on the credit line that could be extended to them. Negotiatedand set up the yearly targets with the
Managementbasedon the prioryear’s achievement andcurrentyear’s foreseentrend.Negotiatedand finalized the credit insurance policy with
the Insurance Company ofeach country and ensuring that Mindware’s interests are met.Approved discretionary limits as and wh en required
 Functionedon alternative methodsto secure riskfree business to enhance the company’s performance; reviewed and set credit terms that will
ensure that we have a healthy cash flow.
 Responsible forkeeping the company abreast ofallCredit related developments in each country; putting filters to ensure that all transactions
are as perthe credit policy, ISO procedures and Compliance policies of various countries like US, EU etc. of the vendors and of Mindware.
 Developed the credit teama dynamic one wherein every member was trained in all the functions of the credit teamto support each other and
meticulously maintained a positive Cash Flow which helped clear all borrowings as well as good average payment days.
 Maintained a regulartouchwith all the customers by visiting,calling themto ensure good relationships; updated the managements with the
progress of the department; DSO at the market average; prepared business flow of the credit department
 Conductedregulartraining forthe credit and sales teams to keep themup to the current credit trends; half yearly and yearly review of each
teammember and finalizing the remunerations of each member.

3. 3
2005- 2007 with Tech Data FZ LLC as Credit Controller
Key Deliverables
 Accountable for reporting to the Credit Services Manager and managed all credit aspects for customers in Pakistan, Oman, Qatar, Egypt,
Cyprus,Kenya,Kuwait and allcustomers in the UAEwith a Credit Limit of over$200K within the required days specified by the organization.
 Successfully attained the monthly collection Target along with it dexterously managedthe credit ofcustomers within the credit limit and days;
maintaining the receivables within the targeted DSO and ageing
 Prepared MISreports on the country wise Accounts Receivables, monitoring of aged balances and reviewed themon a periodical basis and
reviewed the trend and movement of the same; documentation for Letter of Credit and negotiating the same with the Bank.
 Acted as part ofthe core teamof15 when Tech Data exited from the ME region and was able to close the subsidiary with a record collection of
90 percent of the total ledger value
Previous Engagements
2004- 2005 with Ingram Micro India Pvt Ltd., Chennai as Member Credit
Highlights:
 Analyzed the Trading, Income statement and Balance sheets of all sub distributors/dealers and approving credit limits
 Successfully maintained content database ofall customers to arrive at the trend ofbusiness movement; training of Branch accountants in the
ERP package.
 Acted as a Part ofthe integration team(Acquisition and Integration of Tech Pacific) and managed the authentication of Custo mer database
across the country and uploading & testing discrepancies in the same prior
2000-2004 with Thomson India Pvt Ltd., Chennai as Asst. Manager – Credit Control
Highlights:
 Joined as a Credit Control Officer later re-designated as a Senior Officer Credit and then promoted as Asst. Manager – Credit Control
 Set up the Credit Control area with all necessary blocks and best practices as per Commercial Policy in the ERP system(SAP) along with it
approved billing for dealers who are categorized under ‘Deviation of Company’s Commercial Policy’.
 Acted as the Part ofthe implementation team,the implementation ofSAPwas done in record time of 8 months,which includeddata migration,
authenticating data, testing and approving changes made to the modules, training and change management
1997- 2000 with TNT India Limited, Chennai as Credit Controller
Highlights:
 Joined the organization as a Credit Control Asst. and promoted to a Credit Controller position. Dexterously managed the receivables of a
customer base of 80 Nos.
1996-1997 with First Flight Couriers, Chennai as Branch In-Charge
Highlights:
 Joined as Operations Assistant and promoted to Branch In-charge.
Education & Credentials
1996
Bachelor of BusinessAdministration(BBA),University of Madras, Chennai
Trainings/ Certifications
 UCP 600, ISO, US Compliance
 IFRS and Taxation Certificate fromPWC
Personal Details
Date of Birth:16th February,1976
Languages Known: English & Tamil
Passport Details: Z2034482 - Valid till 06/03/2020