Ajay Patel

<p>Earned Microsoft Certified: Power BI Data Analyst Associate (PL-300) and Azure Data Fundamentals (DP-900).<br>
Currently studying towards Microsoft Certified: AI-901 to deepen integration of AI and automated data workflows.</p>

<p>Owned data analysis and reporting for a portfolio of ~10,000 customer accounts, supporting the Head of Debt with actionable insight into collections performance.<br>
Designed and built a self-developed call statistics dashboard in Power BI, enabling real-time visibility and faster, evidence-based decision-making.<br>
Identified a critical data discrepancy between Legal and Data teams; led root-cause investigation and cross-functional resolution to ensure complete data integrity.<br>
Utilised Microsoft SQL Server (SQL), Python, Power Query, Advanced Excel, Power BI, XLOOKUP, VBA/Macros, and Data Cleansing across Junifer, Nexus, Proclaim, and Salesforce to model and report on case data.<br>
Presented findings and recommendations directly to senior stakeholders, translating complex technical metrics into clear executive summaries.</p>

<p>Analysed credit and accounts receivable data across major EMEA brands (The North Face, Timberland, Vans), producing executive performance reports.<br>
Supported credit forecasting processes using Advanced Excel models to ensure data accuracy for business-wide reporting.<br>
Formulated strategies to optimise credit management workflows using targeted payment data analysis.</p>

<p>Conducted efficient customer onboarding, aligning with risk levels and upholding data integrity.<br>
Executed credit decisions and ensured the timely and accurate processing of master data changes.<br>
Evaluated credit risk across the business, including reviewing the creditworthiness of new and existing customers and assessing the risk of extending credit to them.<br>
Reviewed and analysed client management accounts, profit & loss statements, and balance sheets.<br>
Completed anti-fraud verification checks and examined identification documents for new and existing customers.<br>
Conducted ongoing monitoring of creditworthiness to anticipate potential risks and presented findings to Commercial Managers.<br>
Produced daily KPI reporting, enabling real-time performance assessment, and completed bad debt write-offs.<br>
Built and maintained relationships with customers, internal stakeholders, and external partners to support the credit control function and overall business success, fostering a culture of excellent customer service.<br>
Managed training for new personnel, designed and implemented training programmes, conducted audit checks for industry regulation compliance, and provided supervisory coverage when required.</p>

<p>Managed creditor debts diligently, effectively recovering outstanding SME debt and maintaining debt ledgers.<br>
Investigated potential fraudulent changes in tenancy and promptly addressed risks.<br>
Applied Kaizen and Continuous Improvement principles, identifying areas for process improvement.<br>
Conducted comprehensive risk assessments using client information from credit reference agencies.<br>
Addressed and resolved debt-related queries using SAP/Sage systems, proactively enhancing efficiency.<br>
Initiated and executed the process for writing off irrecoverable debts, significantly saving time through automation of the letter-sending process.</p>

<p>Managed creditor debts diligently, effectively recovering outstanding SME debt and maintaining debt ledgers.<br>
Investigated potential fraudulent changes in tenancy and promptly addressed risks.<br>
Applied Kaizen and Continuous Improvement principles, identifying areas for process improvement.<br>
Conducted comprehensive risk assessments using client information from credit reference agencies.<br>
Addressed and resolved debt-related queries using SAP/Sage systems, proactively enhancing efficiency.<br>
Initiated and executed the process for writing off irrecoverable debts, significantly saving time through automation of the letter-sending process.</p>

<p>Provided the best financial solutions to meet customers' requirements.<br>
Assisted customers in financial difficulties and/or in arrears with their banking products, including personal bank accounts, credit cards, and personal loans.<br>
Achieved collections and financial support goals through the training of new staff members.</p>