1. UAE - Dubai
Mobile: +971 52 61 40309
+971 50 45 22 653
E-mail: saeedmj4d@hotmail.com
SAEED MOHAMMAD JARADEH ®
Summary
Corporate Credit & Collections oversees the credit and collections function for the Company. In this
Capacity it is the purpose of Corporate Credit & Collections to maximize profitable sales, optimize Cash
Flow, and minimize bad debt loss by performing all aspects of credit risk analysis.
Communication lines
Internal
 Holding a regular weekly meetings with the VP – Finance (CFO) And Monthly
meetings with the CEO
 Monthly Meeting with the IT Manager in terms of discussing the current
ERP process [using VISIO]
 Monthly Meeting with the Business intelligent Manager in terms of
updating the current AR reports
 Daily communication with the Senior Credit Officers And AR Accountants in
terms of discussing the current AR status and Aging report And credit
matters reports
 Meetings with the collectors upon request in terms of discussing the current
collections methods
 Meeting with the internal Auditor upon request
External
 Meetings with lawyers regional wise quarterly
 Contacting the VIP clients in terms of solving any critical issues
 Meeting with the external Auditor per Annum
 Meeting with the TRADE CREDIT INSURANCE companies upon request (i.e.
Coface, Malakut Insurance Brokers (UAE)...
Professional
Experience
Group Credit Controller
Imdad (June 2015 – till now)
IMDAD is a well-known multinational company dealing with Aesthetic
Medicine since 1991, providing services in Gulf region, Jordan, Syria, and
Lebanon.
 Develop the firm’s credit and billing policy in collaboration with the VP –
Finance (CFO).
 Enhance collection and Credit Control procedures, and improve systems and
structure with the help of the IT department and accountants.
 Report to the Finance Director on a weekly/monthly basis, aged debt
analysis and cash collection forecasts.
 Suggest the credit terms for each customer and review the terms on semi-
annual basis.
 Ensure the implementation of collection and credit control procedures, and
ensure the availability of the resources to carry out the tasks effectively
during the growth of the company to guarantee the collection of due
payments on time.

2.  Maintain accurate and up to date client details and account records
 Ensure timely postings of payments and invoices, and that payments are
applied correctly to the invoices.
 Obtain sufficient information to assess the credit worthiness of new and
existing clients, by communicating with agencies, banks and review
payment history with the company.
 Monitor overdue payments, Post Dated checks, returned checks, and
manage the collection team and coordinate with accountants.
 Handle disputed accounts and negotiate with clients to bring payment in
line with terms
 Undertake reconciliations and compile documentation for legal action as
necessary, including maintaining and keeping sales contracts and official
letters.
 Carry out ad hoc duties/Reports as and when required by VP - Finance
 Assist in selecting lawyers for each territories, and ensure all required
documents are ready for legal action.
Team Leader-Senior Credit Controller
JUMA AL MAJID GROUP (January 2008 – June-2015)
Juma Al Majid group is a well known multinational company dealing with
Trading, constrictions, Real Estate and Automotive.
 Managing a team of 3 Credit Control Officers & Credit Supervisor,
reporting to Credit Control Manager and the Group CFO, over the group
of 6 entities [Business Unites] -Trading divisions they are: Home
Appliances Division [Represented agent of: GE, Samsung..], Carpet &
Cartain Division, Tyres & Battery Division [Represented agent of:
Yokahama], Office Equipment Division [Represented agent of: Konica],
Watches Division [Represented agent of: Citizen], Office Furniture
Division.
 Managing & reviewing the KPI's reports of our department, I
provide a monthly/Quarterly analysis reports to the Credit Manager And
Group CFO, CC to the Group Financial Controller.
 Managing DSO performance and reporting of the group, I provide a
monthly analysis reports to the Credit Manager And Group CFO, CC to
the Group Financial Controller.
 Manage and establish policies and procedures for credit control
processes, and credit cycle with Operation (Business Units), under
supervision of Credit Control Manager, and reported to CFO.
 Follow up on the delayed collections with Operation (Business
Units) Division General Manager, in present of branch Senior Accountant
to escalate the collected remarks to the central management CFO &
Credit Manager for further action.
 Presenting credit recommendations to the central management
CFO & Credit Manager.
 Hold a meeting with the Operation (Business Units) Management
in present of branch Senior Accountant, to discuss the collection status &
all Credit Matters in his Division. [i.e. collected remarks by Operation for
Overdue, overdue above 90 days, Customers Exceeding credit limits,
Customers Not adhering with the approved payment method, Customers
having expired trade license…]
 Ensuring proper maintenance of all customers’ files done on
weekly, monthly and quarterly basis to be done by the credit officer
accordingly.
 Evaluating the analysis of the customer’s financial position and
market reputation in terms to open a new credit account by the credit
officer.
 Evaluating the balances Confirmation from the customers directly,

3. supervised the reports done by the credit officer & sent by the
accountant in charge.
 Evaluating & controlling after approvals over credit limits and
payment terms & payment method granting for the new & existing
credit customers.
 Ensure that overdue accounts are appropriately managed and if
required may instigate legal proceedings and preparing the necessary
documentations for legal action.
 Planning and forecasting group cash collections target on a
monthly basis.
 Monthly/Quarterly meeting with CFO and Business Unit
Management to discuss and resolve past due accounts.
 Identified control weaknesses and seek for an improvement.
 Ensure compliance with organization budgetary guidelines.
MTN
Credit Controller
(Damascus, November 2005 – May 2007)
Contact Center Department, MTN/Areeba Telecommunications, Syria, Credit
team.
Areeba is a subsidiary of the INVESTCOM Holding Group, an international
telecommunication group through a number of subsidiaries in the emerging
economies of the Middle East and Africa, as well as the developed market of
Europe, using the latest in mobile and wireless telephony systems.
 Analyzing financial statements and developing financial ratios in
order to write credit recommendations.
 Facilitating proper documentation for all subscribers' credit files.
 Updating the monitoring of the accounts of about a million
subscribers.
 Evaluating credit limit and credit risk rating for each customer.
 Compiling and documenting periodic group credit control reports
for management review.
 Responsible for the review and audit of all credit customers
according to the audit plan.
Accountant
Private Trading Company
AL-HAIDRY-Lebanon (May-2007, December 2007)
Review accounts activities to ensure accurate implementation of daily
finance transactions, and cash management, Monitor and ensure monthly
reconciliations, Working in corporate environment with consolidated
accounts, Maintaining the daily accounting registers with in and out flow
transaction, Controlling and reconciling payables and receivables.
Personal
Information
 Nationality: Palestinian
 Age: 34
 Married.
Education
Competency Based Management (CBM)
 Conducted by Imdad Training Department at 14-Nov-2016
Strategy & Performance Management System, Dubai
 Conducted by the Group Strategy Division at 23-Apr-2014.
IFRS Training, Dubai
 At KPMG : 08th
– 11th
October 2011
Dubai UAE (20 CPE hrs).

4. Professional Development Institute PDI
 London Chamber of Commerce and Industry- Examinations Board
(LCCIEB):
LCCI book keeping and accounts level 1
(40 hours in 20 lectures), I got the certificate in March 2007 (passed with
distinction).
 LCCI Book keeping and Accounts Level 2
(40 hours in 20 lectures) I got the certificate in June 2007 (passed with
distinction).
Damascus University
 Graduated from Damascus University, faculty of economics, Department of
accounting 2007.
Languages
 Spoken and written English, level 5B at the American Language Center (ALC)
 August 2004 to March 2006: assisting a Fulbright PhD researcher from
Berkeley University of California, USA. Translated and transcribed interviews
and documents and facilitated interview.
Additional
Skills
 Expert in Oracle System Applications (Aging Reports, Inquiries for AR and AP
Accounts, Customer account creation).
 Good working knowledge of MS Excel Word and Outlook.
 Good working knowledge of Turbo Pascal (1.5).
 Good typing speed Arabic & English.
 Al-Ameen Accounting System-SQL (version 2004).
 Customer Care
Objective
 I'm looking forward to working in a friendly environment and to be part of
an active and successful team.