1. Joe (Jyotin) Amin
Lumberton, NJ ♦ 609-267-2739 ♦ jnamin@yahoo.com
CREDIT RISK MANAGEMENT ♦ PROCESS IMPROVEMENT
CREDIT AND COLLECTIONS ♦ BILLING
Management experience leading implementation team with outsourced partners to deliver the collection
and dispute management processes. Team oriented and adaptable to constantly changing processes
and technologies.
Expertise in:
 Credit and Collections  Customer Service
 Billing  Accounts Receivable
 Project Management  Process Management
 Business Process Outsourcing (BPO)  Manage and Mentor staff
 Investigate and Resolve Complex Issues  Employee Development and Training
Selective Accomplishments:
 Directed the integration team for numerous acquisitions, including Smart Money Magazine from
Hearst Publications, MarketWatch from CBS, and Alternative Investors from private investors.
 Launched 5 new billing/order entry management systems for B2B and B2C products
 Liaison and executed American Express card processing contract, reducing commission
payments
 Formulated and implemented increasingly efficient, SOX compliant, control processes and
participated in several process improvement projects. Processes include billing streams, billing
balancing routines, journal entry validations, account suspension and termination
 President Award for Efficient Operations during wsj.com project
 Devised, implemented and managed incentive payments and contract interpretations
Certifications:
 Certification in Advanced Process Mapping and Data Collection
Technical Competencies
 PeopleSoft AR and Billing 9.1, including system configuration and integration
 MS Excel, Word, PowerPoint
 CIBS (in house development)
 WSJ.com - for wsj online customers
 Atex Enterprise for display print advertising
 Adbase - for classified print and on line advertising
PROFESSIONAL EXPERIENCE
Dow Jones and Company, Princeton, NJ 1982 – 2013
Leading provider of business and financial news via newspapers, newswires, websites, apps,
newsletters, magazines and various conferences which experienced revenue growth from 640MM to
1.88BN.
Credit Evaluation and Collection Manager, 2011 – 2013

2. Joe (Jyotin) Amin
Lumberton, NJ ♦ 609-267-2739 ♦ jnamin@yahoo.com
 Manage daily processes in the credit review of new International and Domestic accounts to
establish credit limits and optimize credit exposure.
 Regularly reviewed and analyzed global Accounts Receivable amounting to $175MM - $200MM for
various products including print and electronic adverting, distribution and licensing arrangements.
 Prepared flash reports for senior management.
 Recommend reserves and reported potential bad-debt to senior management in order to adjust the
reserves for allowance of doubtful accounts as required.
 Worked closely with various Domestic and International Sales and Finance partners to ensure
timely collections of receivables and to facilitate dispute resolution processes.
 Provided oversight and approval during various workflows, including bad debt write-offs, refunds,
maintenance write-offs and advances for collection lawsuits to meet business needs and conform to
SOX requirements.
 Approve and manage security for various shared sites and systems.
 Implementation of new BPO in the daily Credit Evaluation, Collection and Dispute resolution
processes.
 Implementation of PeopleSoft 9.1 AR module/Collections Workbench and the integration into
production and business processes.
Senior Billing Manager, 2000 – 2011
 Managed various billing streams with different billing frequencies and requirements to create 15-
25K invoices monthly amounting to $90MM – $125MM monthly.
 Created, established, managed and approved balancing procedures for the various billing streams
and the output created including invoices, GL files, and reporting feeds as a part of SOX controls.
 Finance lead in the development and implementation of new billing systems including Dow Jones
Interactive, Dow Jones Newswires, and Wall Street Journal Online.
 Establish and implement routines to validate revenue reports and to pay sales commissions in
accordance with various contracts.
Other positions held in Billing, Collections, and Customer Service including managing a portfolio of
customers, customer correspondence, reporting, project development/ participation and
recommendations to management from 1982 to 2000.
PRIOR EXPERIENCE
Interpool, Princeton, NJ
Account Executive 1981 - 1982
Manage a portfolio of accounts. Perform regular activities, including correspondence regarding past
due balances, dispute resolution, account maintenance and reporting.
State of New Jersey, Trenton, NJ
Data Process Machine Operator 1980 –1981
Monitor the execution of various programs and their output. Monitor disk drives, receive and collate
monthly social security checks.
EDUCATION
B.S, Business Administration, California State University, Dominguez Hills