This document contains contact information and a career summary for Anubhuti Kapoor. It lists her address, email, phone number, and over 15 years of experience in financial roles. Her experience includes positions in collections management, accounts receivable/payable, credit recovery, and relationship management for banks and other organizations in India and Australia. She has a demonstrated track record of recovering millions from outstanding balances and resolving complicated financial issues.

1. CONTACT DETAILS ___
ANUBHUTI KAPOOR
Address: 3 Sampson Crescent, Quakers Hill NSW 2763
Email: Anubhuti.kapoor@yahoo.com
Mob: 0490054115
CAREER SUMMARY ___
Seasoned professional with a seven years record of providing exceptional collections
management and financial business leadership. Decisive, strategic and performance driven
with strengths in personal management, organizational troubleshooting and collection
conflict resolution. Demonstrated track record of recovering millions of dollars from
outstanding balances. Advanced problem-solving skills with proven ability to clarify and
resolve complicated issues and situations. Successful history of developing and
strengthening teams, departments and community relationships while supporting
diversity.
KEY COMPETENCIES ___
 Extensive Knowledge of the Banking Industry and Financial Markets
 Credit expertise – knowledge of credit, risk, collateral and financial
management techniques.
 Administration Skills competency
 Strong stakeholder management, interpersonal, and customer relationship
skills
 Excellent Communication (Verbal & Oral) and Presentation Skills
 Strong Leadership and Team Management skills
 Strategic Planning, Execution and Operational skills
 Analytical thinking problem solving skills with the ability to investigate and
resolve issues
 Strong teamwork values and ability to work with both junior and senior team
members
 An analytical brain and keen eye of details
 Experience of managing the portfolio of more than 80 million
 Proficient in using the SAP.SACS, LOGIC System.
CAREER SUMMARY ___
Period Position/Role Organization
Sep 2014- Sep 2015 Accounts Payable Destination NSW
Feb 2014 – August 2014 Account Receivable
Officer/Account Payable
Officer
Gate Gourmet Australia
Nov 2009 to May 2013 Manager Credit & Recovery
(Metropolitan Hubs)
HDFC Bank Ltd. India
Apr 2006 to Nov 2009 Manager Collections&
Credit (Delhi & NCR)
INDIA.
ICICI Bank Ltd. India
Jan 2005 to Apr 2006 Relationship Manager Tata AIG Insurance
Company Ltd, India

2. Dec 2003 to Dec 2004 Sales Manager MAX NEWYORK LIFE
INSURANCE
Destination NSW
The Rocks, Sydney
Accounts Payable /Finance Coordinator Communication (Temp)
Sep2014-Sep2015
About Destination NSW – Destination NSW is the leading government agency for the
tourism and all major events in NSW its major goal is to diversify and implement
strategies to grow tourism in NSW.
Key Achievements:
 Appreciated for managing the communication finance division independently with
prompt processing services
 Raising contracts and processing invoices of more than 100 suppliers in SAP and
Spend vision in a day
 Ability to interact with corporate finance, team and supplier for any issues and
advise
 Laid the process for better control on the invoices processed in Spend vison and
SAP
 Managing, coordinating the foreign exchange policy for all the international
payments and processing the same in the system
 Auditing the international payment and lesioning with the corporate team
Responsibilities:
 Independently managing the finance of communication team for major events like
VIVID, Easter, Matilda
 Managing the invoice processing functions in SAP including maintenance of
general ledger, accounts payable, and finance budgeting to ensures accuracy and
timeliness report
 Developed and implemented the process that control the company policies in
accounts payable to function and ensure adherence to company guidelines
 Managing the posting the month end financial reporting to the team, that reflects
the budget of communication team
 Provides accounting assistance to managers and team staff; responds to financial
questions and concern in the invoices
 Act as a liaison between the company and the supplier in answering all the
queries
 Managing, coordination with the supplier for the credit card transaction receipts
and issuing the spend vison report to team
 Entering accurate account details of the suppliers in the system to ensure they
are correct in the system
 Managing all ad hoc concerns and queries relating to the event budget and
invoices
Gate Gourmet
Mascot, Sydney
Account Receivable Officer /Account Payable officer(Temp)
Feb 2014 – Aug 2014
About Gate Gourmet – Listed on the SIX Swiss Exchange, Gate Gourmet is the world’s
largest independent provider of airline catering and provisioning services. Gate Gourmet
serves around 9700 flights daily.

3. Key Achievements:
 Appreciated for attention to details i.e. identifying and resolving invoice issues in
both Account Receivable and Account Payable department.
 Invoice entry of 800 plus suppliers in the system with no data entry errors
 Ability to interact with various levels of the internal and the external contacts
Responsibilities:
 Accurate data entry of all Aircraft delivery orders in the SACS accounting system
 Prepare process and issue all month end invoices after thorough reconciliation of
the delivery orders and any variances
 Identify, escalate and resolve any discrepancies found in the Aircraft orders,
delivery receipts and invoices
 Ensure all flight batches are keyed, closed and scanned (including any associated
documents)
 Upload various menu items and associate costs into the system.
 Weekly reconciliation and aging of the creditors accounts
 Support all ad-hoc activities in the department.
 First point of contact for the internal Production house, Customers and Suppliers
Accounts Payable
 Proficient in using the Accounts Payable System (SACS’ LOGIC ,SAP)
 Processing 800+supplier invoices and credits in accordance with policies and
procedures.
 Ensuring all the invoices / delivery documents are prepared, scanned and filed
according to the process
 Reconciliation of the account statement
 Communicating with the suppliers and resolving the invoices discrepancies and
escalating the same to the AP Manager
 Ad hoc duties as directed by the Finance Manager
Manaslu Pty Ltd
St Leonards, Australia
Account Receivable/Payable Officer (Temp)
Sept 2013 to Dec 2013
About Manaslu – A small company based in St Leonards providing Data Management
Services to Private, Government and Non-profit organisations. Services include Data
Mining, Data Analysis, Market Data Segmentation, Data Trend Reports etc. Company
also provides Data Brokerage service where it acts as agents in securing datasets from
external agencies. These external agencies include Australasian Government
Departments (Central/Federal State and Local) as well as commercial suppliers.
Key Achievements:
 Successfully reconciled overdue bills with major customers and put an effective
monthly reconciliation process in place
 Participated in various invoicing and payment reconciliation process improvement
initiatives

Responsibilities:
 Oversee all aspects of collecting payments due from accounts receivable
 Review and process suppliers invoices/credits within agreed timeframes
 Actively monitor progress of outstanding accounts under control
 Ensure arrears are cleared prior to next due payment

4.  Act as a first point of contact for any escalation both internally and externally
 Provide outstanding Customer service to both internal and external stakeholders
 Work within Company and Regulatory Policies & procedures
 Receipting of customer payments and performing month end preparation and
other ad-hoc duties
 Take ownership and successfully negotiate payment solutions with the more
challenging overdue accounts
 Raising credit notes and releasing orders as appropriate
 Maintaining accurate records of account transactions and banking reconciliation.
PROFESSIONAL EXPERIENCE _____
HDFC Bank Ltd. Delhi
INDIA
Manager Credit & Recovery (Metropolitan Hubs)
Nov 2009 to Jun 2013
About HDFC Bank –HDFC Bank is one of the largest private banks in India with a “AAA”
Credit Rating and the mission to be “World Class Indian Bank”. The Business philosophy
is based on Customer Focus, Operational Excellence, Product Leadership and People. The
bank provides a variety of accounts, deposits, loans, investment, Insurance, forex etc.
products through its network of 3,119 branches and 11,088 ATMs in 1,891 Indian Cities &
Towns. (Visit website for details www.hdfcbank.com).
Key Achievements:
Managed the portfolio of more than 80 million (Approx. 50 Cr)
 Headed the special assignment of resolving high profile outstanding NPA (Non-
Performing Assets) cases through legal and CIBIL bureaus at National Level.
 Awarded with Silver Certificate for achieving the best NPA numbers delivered in
the year 2012.
 Headed the skip verification process for the branches.
 Develop training curriculum for inbound and outbound staff.
 Frequent speaker at bank events and meeting, on development of risk strategy
and NPA movements.
Responsibilities:
 Develop and execute Credit and Collection strategies to achieve business targets.
 Monitor credit limits, and work with risk team, sales desks and credit analysts to
resolve credit limit breaches.
 Select, Recruit and Develop business relationship with external vendors.
 Manage targets allocated to both Internal Team and external vendors.
 Execute the skip verification process and implement new procedures within the
department (as and when required).
 Conduct regular audits on both the internal and external teams to ensure bank’s
compliance requirements, with the RBI (Reserve Bank of India), are adhered to.
 Initiate litigation process as per case requirements i.e. issuing arrear letters &
statements, drafting written responses to legal professionals etc.
 Resolve escalated disputes with the Banking Ombudsman and various other
regulatory bodies within the RBI stipulated timeframes.
 Approve credit applications after verifying completeness and validity of all
documents
 Identify risk trends and report to Senior Management

5. ICICI Bank Ltd.
Delhi
Manager Collections& Credit (Delhi & NCR)INDIA.
Business Loans (SEG Division)
Apr 2006 to Nov 2009
About ICICI Bank – ICICI Bank is India's largest private sector bank with total assets of
Rs. 5,367.95 billion (US$ 99 billion) and profit after tax Rs. 83.25 billion (US$ 1,533
million) for the year ended March 31, 2013. The Bank has a network of 3,384 branches
and 11,063 ATMs in India, and has a presence in 19 countries, including India. ICICI Bank
offers a wide range of banking products and financial services t o corporate and retail
customers. (Visit website for details www.icicibank.com)
Key Achievements:
 Seconded to the position of Regional Manager Customer Grievances and
administration of the department.(secured & unsecured loans)
 Delegated Power of Attorney to represent/act for Bank in court cases relating to
disputes. Was able to resolve 40% of the outstanding cases in 2 months
 Awarded for achieving the best numbers every year from 2006 to 2009
 Provided market research and executed various studies to strengthen credit line.
 Delivering more than 95% collection percentage in initial buckets. Meeting up all
the essential KPI’s.
Responsibilities:
 Develop and execute strategy and business plan for the region through both
internal staff and outsourced vendors
 Formulate and communicate wide range of credit policies and process upgrades,
including improving analysis & reporting processes for credit requests, restructure
authority levels for credit decisions, design and implement systems for monitoring
large accounts.
 Make decisions for extending credit or lending money with detail knowledge of the
customer credit history.
 Managing and Initiating Legal litigation process on delinquent customer and
coordinating with the inside & outside legal team for the region.
 Managing the internal and external team’s productivity, compliance and audit
controls.
 Meeting the customer face to face for negotiation as and when required by the
case.
 Prepare, and examine various monthly and quarterly roll rate performance
reports of the loan product.
 Provide suggestion and inputs on policy changes based on portfolio indicators and
delinquency string movements
 Integrated business line Risk Mitigation approaches and early warning triggers to
support business.
 Implementing new techniques and strategies for reducing the delinquency
through field /telephonic and legal processes.
 Develop educational and training curriculum for internal staff and external client
programs, and conduct internal and external seminars and workshops in current
risk management issues

6. Tata AIG Insurance Company Ltd
Relationship Manager – Delhi, INDIA.
Jan 2005 to Apr 2006
About the Company: A joint venture between TATA Group and American International
Group (AIG). The Company's products are available through various channels of
distribution like agents, brokers, banks (through bank assurance tie ups) and direct
channels like Telemarketing, Digital Marketing, worksite etc. It is one of the major private
sector insurers in India offering life, health and group insurance products covering entire
life-stage needs. (Visit website for details www.tataaiginsurance.in)
Key Achievements:
 Awarded excellence award in Train the Trainer Program
 Exceeded all assigned personal sales target, including increasing new contracts
and building of channel partners
Responsibilities:
 Implement new strategies & develop new tools for sales promotion i.e. upselling
and cross selling
 Manage the channel partners in increasing the sales ratio and assisting the
vendors through motivation, counseling, and product training
 Work closely with brokers and assist them in sales meetings
 Manage on a daily basis the operation and the administration issues of the
channel partners
 Investigate and resolve escalated customer issues and assist the customers in
getting legitimate refunds or compensations
MAX NEWYORK LIFE INSURANCE
(Working through a Direct Sales Channel)
Sales Manager – Agra,INDIA.
Dec 2003 to Dec 2004.
About the Company: Max Life Insurance, one of the leading life insurers, is a joint
venture between Max India Ltd. and Mitsui Sumitomo Insurance Co. Ltd that offers
comprehensive life insurance and retirement solutions to approx. 3 million customers. In
the financial year 2011-12 Max Life Insurance ranked fourth among private life insurers
with a market share of 8.6%. (Visit website for details www.maxlifeinsurance.com)
Key Achievements:
 Awarded Best Sales Manager award for continuously meeting and exceeding
monthly sales targets
Responsibilities:
 Identify and develop potential clients list, especially institutional and high-income
accounts for upselling and cross selling
 Identifying profitable new alternatives and distribution points for increasing the
Insurance sales
 Organizing special sales projects, such as new product introductions, sales
promotions, advertisements etc.

7.  Prepared and executed business, marketing and sales plans for the branch
 Negotiating with market research companies and advertising agencies
 Managing the recruitment and the hiring process of efficient agents to increase the
team size.
EDUCATION & TRAINING ___
Qualification/Certification Institution Year
Finance Cert IV Walker & Miller Institute
Queensland
2014
Insurance National Insurance Academy
(NIA), PUNE, India
2003
Master’s in Business Administration
(Major: Finance, Marketing)
Jaipuria Institute of
Management
2001-2003
Bachelor of Business Administration
(Major: Finance, Marketing)
Agra University – UP, India 1999-2001
High School i.e. XI & XII Standard
(Major: Accounting & Commerce)
St. Anthony Junior College, Agra 1996-1998
PROFESSIONAL TRAININGS ___
 Six Sigma
 Cross Selling
 Managerial Effectiveness
 Team Building
 Passion at Work
 Personal effectiveness
 Time Management
 Financial controlling Process
TECHNOLOGY SKILLS ___
Finance System – SAP, Spend vison, Oracle
BANKING SYSTEMS - FINNACLE, FCRM, CRM, Vision Plus, Host and i-Score
INSURANCE SYSTEMS – CRM, SQS
MICROSOFT & OTHER OFFICE APPLICATIONS - Windows XP to 7, Word, Excel,
PowerPoint and other Internet applications
INTERESTS ___
 Reading
 Travelling
 Painting
 Outdoor sports for fitness
 Meeting people & socializing
REFERNCES ___
Available on request