Subashnie Mols

Experienced and flexible professional. An individual who learns quickly and adapts easily to changing situations. Through my extensive professional experiences in demanding and busy working environments, I have gained excellent communication skills, the ability to work well under pressure, problem solve and take on additional responsibilities outside my contracted role. I am a friendly, hardworking individual, who is highly motivated and relishes working in a challenging environment. I work well within a team or as an individual. I am looking to grow my career with a new challenge and where I can learn new proficiencies and develop my existing skills further.

SSE PLC :

Shadow Board Member (April 2020 – Feb 2022):

§  Understand the complexity of the Energy Contest and how we generate value in a constantly changing regulatory landscape.

§  Contributing to decisions and plans in support of the business strategy and provide unique and varied input.

§  Review and evaluate present and future opportunities/projects, threats and risks in the external environment with consideration towards the customer business.

§  Critically analyze current strategic plans while providing diversity of thought and opinion and challenging the Executive Committee Board Of Directors.

§  Presenting

Credit Risk Executive  (May 2018 – Feb 2022):

§  Credit risk insurance applications for MBS businesses

§  Supervisor and trainer to underwriters for SME businesses with a sign off level of up to £499,999

§  Assisting management with creating a credit risk scoring model to be embedded into the companies new system

§  Conducting credit checks using Experian

§  Ratio analysis

§  Consumption reporting

§  Escalations raised to senior management for credit recommendations and security options (SME and MBS)

§  Leading management update meetings

§  Training colleagues on insurance processes and systems

§  Process improvement

§  Working with internal stakeholders to optimise sales numbers and customer satisfaction

§  Ensuring credit risk and insurance policies are compliant

Portfolio Collections (June 2017 – May 2018):

§  Debt Management and Collections of high-risk customers and sectors

§  Improving the collection and dunning procedure

§  Training new starters

§  Customer service

Crowcon Detection Instruments:

Credit and Commercial Coordinator (September 2016 – May 2017):

§  Analyze credit data and financial information to determine the degree of risk involved in extending credit to international markets

§  Conducting credit checks using D & B and Creditsafe

§  Making credit decisions on UK accounts (part credit, full credit, proforma)

§  Monthly reporting on credit exposure and aged debts, including KPI reporting

§  National Statistics returns

§  Customer qualification and portal questionnaires

§  Insurance requests, Trade references

§  Basic contract terms & conditions checks, including confidentiality agreements and code of conduct agreements

§  Over 5K order sign off 

§  Letter of credit presentations

§  Opening new credit accounts within defined processes and group company policies

§  Raising credit notes and manual invoices

§  Unallocated cash management, account reconciliations

§  Sales ledger refund requests

§  Proforma account management

§  Key account credit control & relationship building

§  Pre -litigation and UK litigation process, including liquidation

§  Card payments, issuing overdue/stop letters

§  Conducting statement runs

§  Issuing final notices within defined processes. Passing court action files to commercial manager

§  Performing any other duties or projects as requested by the Commercial Manager or Finance Director

Hibu UK Ltd:

Credit Assessment (January 2016 – July 2016):

§  Conducting credit checks using Experian and Equifax for ltd and non ltd companies

§  Reducing the financial risk to the business

§  Analysis of various documents and information to determine trends and credit worthiness

§  Taking inbound sales calls and providing credit advice and answering credit related queries

§  Dealing with complicated billing queries

§  Negotiating with sales teams on credit terms and credit limits (pre-pay, full credit, part credit, no credit)

§  Training

§  Managing a team of 8 people when setting up the new credit control department

§  Process implementations

§  Reviewing ltd businesses that have failed credit checks to see how we can still take them on as clients

§  Recognise and intercept fraudulent applications

§  Ad-hoc tasks

§  Ensuring business credit risk policies are complaint

Hibu UK Ltd (Yell):

Service Finance Executive (March 2013 – January 2016):

§  Taking both inbound and making outbound calls

§  Ensure the compliance of data protection is met with all accounts.

§  Dealing with customers billing enquiries at an advanced level

§  Negotiating with customers to maximize recoveries

§  Collection of defaulted customer accounts

§  Dealing with customer complaints

§  Training new staff members

§  Using internal company software (sap) at a high level, Microsoft Outlook, Bliss (Lotus 
Notes)

§  Producing ad hoc statements/emails for customers

§  Subbing to line manager

Chartered Institute of Credit Management ( level 3) §  Trade Credit Management

§  Business Environment

§  Accounting Principles

§  Business Law (currently studying)