ROSHAN P.

RAMCHARAN
18 Bell Lane
Burlington Township, NJ 08016
Home 609-387-5777 Mobile (609) 410-0075
rr5df4d2@westpost.net
Highly motivated finance professional seeking employment with a progressive grow
th company that will offer a career path of advancement utilizing my management
and leadership experience in Customer Financial Services.
Home Line Industries, Philadelphia, PA
Mgr, Account Financial Services
May 2007 - Dec 2009
Managing a collection portfolio of $250+MM and staff of 6 which involves: develo
ping, enhancing and managing procedures and guidelines for collection efficiency
, customer claims research and resolution; credit- hold order review; daily fina
ncial activity reporting; monthly DSO calculation; monthly account financial ana
lysis; extensive customer, collections and sales support; daily interaction with
upper-management on acct issues and updates; account reconciliation; credit lim
it review in conjunction with pending orders and collections; quarterly cash pro
jected forecast with emphasis on meeting collection target.

Petersons, a Nelnet Company, Lawrenceville, NJ

Mgr, Credit & Collections
October 2001 - March 2007
Responsible for and managed all aspects of Credit & Collections including but no
t limited to over 5,000 accounts valued at greater than $105MM. Lead staff of 6,
including 5 collections-analysts with daily call activity in excess of 300 call
s; efficiency in collections and claims deduction with superior customer service
. Directly handled and was responsible for the major national accounts represent
ing over $25MM.
* Reduced DSO 32% over 5 years by achieving 95-97% of annual collection plans an
d other collection objectives which involved extensive account reconciliation.
* Achieved five-year recovery rate of 77% on major "National and International"
accounts through negotiating 'equitable' settlements on disputed and unreconcile
d balances.
* Established performance metrics to measure results and manage resources to del
iver goals.
* Developed customer deduction analysis leading to long-term solutions, customer
satisfaction, improved collections and a 60% reduction in reoccurrences.
* Continuously work cross-functionally with Sales, Marketing and Customer Care t
o generate gross sales and manage exposure on high risk accounts by establishing
special payment "Terms & Conditions".
* Performed credit risk analysis using D&B reports, financial statements, bank a
nd trade references to establish credit worthiness and credit line of new and ex
isting accounts.
* Maximized recovery of charged-off balances and reduction of bad-debt through,
credit analysis, proactive collection guidelines and working relationship with c
ollection agencies.
* Work closely with Director of Collections and V. P of Finance on budget, month
-end reports, financial account analysis and other various analytical reports, J
ournal entries and collection projects.
* Coordinated Month End close with Sales, Inventory-Billing and Accounting.
* Calculated 'monthly-annual' collections forecast using AR roll forward and pro
jected revenue to help project company cash expectations and management of expen
ditures.
* Delivered extensive customer account support through account reviews, Sales me
etings and travel.
MEDIQ PRN, Pennsauken, NJ
Credit & Collections Supervisor
January 1999 - June 2001
Orchestrated collections for a staff of 8 collectors with a combined portfolio o
f 4,500+ accounts totaling $23+MM in receivables. Conducted monthly account anal
ysis; reviewed major accounts with balances over 60 days; monitored performance
and provided guidance for major account collections and reconciliations.

ROSHAN P. RAMCHARAN
* Improved DSO from 130 days to 90 days through collections and claims resolutio
n.
* Reduced >180 days delinquencies by +$500M by recommending and executing change
s to existing bonus program, helping both overall performance and morale.
* Reviewed/approved credit holds and releases. Prepared monthly financial collec
tions reports.
* Recommended and assisted with administration of account assignments to 3rd-par
ty collectors.
* Spearheaded modifications to the Computer Collections System through the IT De
partment, resulting in a more user-friendly system, and increased collection-cal
l productivity by 40%.
* Delivered extensive customer account support involving account reviews and tra
vel.
* Calculated individual and company cash forecasting for cash goals and bonuses.
PILOT Air-Freight, Lima, PA
Credit & Collections Specialist-Supervisor
April 1998 - January 1999
Lead staff of 5 and was responsible for monitoring the risk and collections of o
ver 8,000 accounts totaling $15+MM. Directly responsible for collections of 400-
500 Major and National Accounts totaling 4.5 million. Made daily decisions conce
rning Credit Holds and Terms of Sale on key deliveries.
* Reduced 90-day Past Dues by 30% through collections and settlement negotiation
s.
* Developed an automated tickler system using Microsoft Word as a shared file fo
r collectors.
* Performed Credit Analysis using D&B, financial statements, banking and other t
rade references.
* Recommended and assisted Manager with cost reductions on D&B reports and syste
m.
* Within 3 months established leadership role, allowing me to train the staff on
D&B reporting and credit risk analysis.
* Prepared, reviewed and submitted monthly authorizations for Bad Debt Write-off
s and Offsets.
General Instrument, Hatboro, PA
Team Leader / Int'l National Account Representative
May 1989 - December 1997
Managed collections of assigned account portfolio of ~$35MM, including internati
onal accounts.
Performed customer account and receivables analysis; achieved monthly cash forec
asts. Executed international transactions including preparation of export and cu
stoms documentation and Letters of Credit.
* Reviewed and approved "Terms & Conditions" associated with L/C's and Cash docu
ments.
* Managed Credit/Hold decisions involving credit lines and order review.
* Collected, as a team, $140MM in one month, setting new Company record.
* Received "First & Service" award for exceeding customer service expectations.
* Received 'recognition' award for exceeding effort and training employees in in
ternational business.
* Member of 'Financial Oracle System' consulting and testing team.
* Promoted 3 times: (1) Senior A/R Rep, (2) Int'l Credit Rep, (3) Team Leader.
Programs and Applications:
Proficient with Microsoft Excel, Word & Outlook
* Knowledge of Microsoft Access and PowerPoint
* Oracle, People Soft, AS400, Brio Queries
* SAP, Business Objects, UOPS, Lotus Notes
Professional Development
* Dunn & Bradstreet Seminars: International Letters of Credits; Import/Export Re
gulations
* Financial Statements/Credit Analysis; Collections.
* Business Writing and Time Management, various advance Management seminars
Education:
Philadelphia University (Philadelphia College of Textiles and Science)
Business Administration