FATIMA ABDUL GHANI MOHAMMED
Muharraq
Summary
Results-driven Credit Control Officer with a solid background in Banking & Finance and hands-on experience in accounts receivable, debt recovery, and credit risk management. Proven ability to reduce outstanding balances, strengthen cash flow, and implement effective collection strategies across diverse portfolios.
Skilled in financial analysis, payment reconciliation, and negotiating structured payment plans while maintaining strong client relationships and ensuring timely collections. Experienced in monitoring aging reports, resolving disputes, and coordinating with internal and legal teams to minimize credit risk and prevent bad debts.
Overview
9
9
years of professional experience
5
5
years of post-secondary education
Work history
Credit control officer
Royal Ambassador Hospitality
2025.04 - Current
- Manage and oversee rental collections for a portfolio of 21+ properties, ensuring consistent cash flow and minimizing delinquencies.
- Supervise and coordinate with property managers to monitor tenant accounts and resolve payment issues efficiently.
- Analyze outstanding rent reports and implement targeted collection strategies to reduce aging balances.
- Achieved a 35% reduction in outstanding amounts through proactive follow-ups and structured recovery plans.
- Lead collection of Annual Maintenance Fees (AMF) across 6 properties, ensuring high compliance among HOA owners.
- Design and negotiate customized payment plans for owners, improving recovery rates.
- Monitor installment payments for newly developed properties and ensure timely collections.
- Perform reconciliation and allocation of payments, ensuring accurate posting.
- Prepare and present outstanding reports to management for decision-making.
- Collaborate with Legal Department for timely escalation of cases.
Credit Controller
Verminex Pest Control Experts
2024.03 - 2025.04
- Spearhead debt recovery strategies, reducing overdue accounts by 25% while preserving client relationships.
- Mitigate credit risks through proactive monitoring of 150+ customer accounts and negotiation of tailored payment terms.
- Resolve billing disputes efficiently, achieving 95% client satisfaction via transparent communication.
- Streamline invoice reconciliation processes, improving cash flow accuracy by 30%.
Summer Trainee/Back-Office Assistant
CrediMax B.S.C.
2021.01 - 2021.01
- Audited 500+ new credit applications, ensuring compliance with regulatory standards.
- Supported front-office operations by managing customer account closures and maintaining secure records.
- Processed 200+ returned cards monthly, enhancing database accuracy and fraud prevention.
Cashier
Mega Mart W.L.L.
2017.06 - 2017.09
Processed 100+ daily transactions with 100% accuracy, demonstrating strong attention to detail.
Multimedia Vocational Trainee
Muharraq Model Youth Center
2017.01 - 2017.04
- Digitized 1,000+ documents into a centralized system, improving data accessibility for 200+ users
- Identified and corrected 98% of data discrepancies during routine audits.
Education
Bachelor’s - Banking & Finance, Marketing
University of Bahrain
Zallaq 2018.01 - 2023.01
LOMA ACS100 - Foundation of Customer Service
ENMA Training Institution
ManamaSkills
- English (Fluent)
- Arabic (Native – Writing, Reading, Speaking)
- Urdu (Conversational)
- MS Office (Excel, Word, PowerPoint)
- Financial Reporting & Data Analysis
- Payment Reconciliation & Allocation
- Aging & Outstanding Reports
- ERP / Accounting Systems
Languages:
Technical Skills:
Credit Control Expertise:
- Debt Collection & Recovery
- Accounts Receivable Management
- Payment Plan Negotiation
- Credit Risk Monitoring
- Negotiation & Communication
- Problem-Solving & Analytical Thinking
- Attention to Detail
- Time Management
- Client Relationship Management
Soft Skills:
Volunteer Experience
AIESEC Organization, Volunteer/Outgoing Specialist, 2022, 2022, Conducted 50+ consultations for students pursuing international internships, boosting program enrollment by 15%., Delivered on-campus presentations to 300+ students, promoting cross-cultural exchange opportunities.
KEY ACHIEVEMENTS
- Reduced Annual Maintenance Fee outstanding balances by 35% at Royal Ambassador Hospitality through consistent follow-ups and structured collection strategies.
- Strengthened rental income performance by improving rental payment collections across 21+ properties, reducing delays and outstanding balances.
- Improved cash flow by implementing effective payment plans and recovery strategies across multiple accounts.
- Achieved strong collection performance in accounts receivable at Verminex Pest Control Experts, reducing overdue accounts by 25%.
- Minimized bad debts through proactive monitoring and timely escalation to legal teams.
Timeline
Credit control officer
Royal Ambassador Hospitality
2025.04 - Current
Credit Controller
Verminex Pest Control Experts
2024.03 - 2025.04
Summer Trainee/Back-Office Assistant
CrediMax B.S.C.
2021.01 - 2021.01
Bachelor’s - Banking & Finance, Marketing
University of Bahrain
2018.01 - 2023.01
Cashier
Mega Mart W.L.L.
2017.06 - 2017.09
Multimedia Vocational Trainee
Muharraq Model Youth Center
2017.01 - 2017.04
LOMA ACS100 - Foundation of Customer Service
ENMA Training Institution