Summary
Overview
Work History
Education
Skills
Timeline
Hi, I’m

MUHAMMAD HISYAMUDDIN BIN ABDUL SHUKOR

CENTRAL CREDIT MANAGEMENT

Summary

Experienced Credit Control with a strong background in managing financial portfolios across Public Listed Companies, Government bodies, and Financial Institutions. At KPJ Healthcare Berhad, I have successfully driven initiatives that reduced DTO and minimized aged accounts over 365 days. With expertise in credit risk assessment, policy implementation, and strategic decision-making, I excel in optimizing financial outcomes while ensuring compliance and operational efficiency. My proactive approach, combined with effective communication and collaboration, has consistently led to exceeding KPIs and delivering measurable financial improvements.

Overview

4
years of professional experience

Work History

KPJ Healthcare Berhad

Central Credit Management
09.2023 - Current

Job overview


  • Daily Responsibilities: Review and track accounts aging over 365 days to maintain a comprehensive overview of outstanding debts.
    Identify and monitor accounts exceeding credit terms, initiating follow-up actions to mitigate financial risks.
    Identify statements of accounts (SOA) with no debtor responses and initiate follow-up actions.
    Monitor and address issues reported by hospitals related to Public Listed Companies (PLC), government bodies, and financial institutions.
    Ensure the aging reports provided by hospitals align with the SOAs.
    Reconcile daily credit aging discrepancies, ensuring accuracy and financial integrity.
    Collaborate with Credit Control (CC) and Billing Operations (BO) teams to address outstanding payments and potential credit issues.
    Conduct daily reviews of high-risk accounts, ensuring proactive management and resolution.
    Direct hospitals in sending payment reminders to their respective debtors, promoting timely payments.
    Collect and analyze data from hospitals to create consolidated reports, aiding in informed decision-making.
    Coordinate with various hospital operation teams to ensure timely and accurate processing of credit control tasks.
  • Weekly Responsibilities: Plan and execute visits to debtors with accounts aging over 365 days and those with identified issues.
    Maintain regular communication with hospitals to ensure follow-ups on outstanding debts and unresolved issues.
    Coordinate with hospitals to address and resolve issues related to PLC, JPA, and ATM.
    Direct hospitals in dispatching payment reminders to their debtors, ensuring continued engagement.
    Provide senior management with regular updates on the status of collections and outstanding issues.
    Implement changes in credit control policies and procedures as issued by HQ across hospitals.
    Consolidate and submit the Collection Report for TNB (alternating with Faizal).
  • Monthly Responsibilities: Prepare and review top 5 aging and sales reports, providing insights and actionable data for management.
    Ensure the timely distribution of SOAs via HITS for locations such as Sabah, Sibu, Kedah, and Ipoh.
    Review and query hospitals on each SOA for PLC, government bodies, and financial institutions.
    Prepare slides and reports for KGMC monthly meetings, contributing to strategic discussions.
  • Quarterly Responsibilities: Conduct credit risk assessments, adjusting strategies based on findings to optimize financial outcomes.
    Organize and lead training sessions for hospital credit control teams on best practices and new policies.
    Prepare and present materials for Audit Committee Meetings (ACM), supporting compliance and governance.
  • Yearly Responsibilities: Lead the Write Off exercise, including briefing and consolidating hospital write-off listings.
    Analyze and propose recommendations to the Audit Committee (ACM), contributing to strategic financial decisions.


Achievements:

  • Reduced DTO: Successfully decreased the DTO for Public Listed Companies, Government bodies, and Financial Institutions by implementing effective credit control strategies.
  • Minimized Aging >365 Days Accounts: Achieved a significant reduction in accounts aging over 365 days through rigorous follow-ups and strategic risk management.
  • Enhanced Collection Processes: Streamlined collection processes, resulting in improved cash flow and reduced outstanding debts.
  • Improved Compliance and Reporting: Ensured compliance with internal policies and external regulations, contributing to more accurate and timely reporting for senior management and audit committees.

Affin Hwang Investment Bank

Credit Management Department
05.2022 - 08.2023

Job overview

  • Independently conducted credit evaluations for Share Margin Financing (SMF) and Portfolio Lending.
  • Presented credit findings to the Credit Committee, Group Management Credit Committee, and Board Members.
  • Supported the Chief Credit Officer (CCO) in developing credit strategies and operational plans.
  • Minimized credit risks through continuous monitoring and enhancement of risk management controls and processes.
  • Created and submitted the Annual Credit Plan (ACP) Report for the Compliance and Risk Oversight Committee (CROC).

Achievements:

  • Successfully completed 140 checklists and appraisals within 7 months.
  • Reduced Turnaround Time (TAT) for appraisal papers to less than 1 day for SMF Limits below RM5.0 mil, and 2 days for those above RM5.0 mil.

Retail Galaxy Sdn Bhd

Samsung Experience Consultant
09.2021 - 05.2022

Job overview

  • Acted as a liaison officer between the Headquarters and store teams, managing operations, and resolving customer complaints.
  • Led a team in achieving sales targets, actively promoting accessories, and improving store visibility through strategic display marketing.
  • Conducted consumer-facing activities, including product demonstrations, customer training, and troubleshooting.
  • Monitored store performance using the Net Promoter Score (NPS) and enhanced customer satisfaction.

Achievements:

  • Awarded "Staff of the Month" in April 2021 for outstanding performance and exceeding KPIs.
  • Consistently met store targets for three consecutive months (Jan-Mar 2021).

Friends of Bukit Kiara

Research Assistant
02.2021 - 08.2021

Job overview

  • Conducted fieldwork to monitor firefly populations, behavior, and habitat use in Bukit Kiara, contributing valuable data to ongoing research on insect ecology.
  • Collected and processed data from both fieldwork and lab work, including genetic analysis, ensuring accuracy and reliability in research outcomes.
  • Managed data using specialized software, maintaining high standards of accuracy and completeness.
  • Effectively communicated research findings to team members, doctors, and the public, enhancing the understanding of firefly ecology.
  • Collaborated with a multidisciplinary team of researchers, technicians, and graduate students to advance research goals.
  • Managed project budgets, ordered supplies, and prepared reports and presentations for funding agencies and conferences, supporting the administrative and financial aspects of research projects.
  • Followed established safety protocols rigorously when working with potentially hazardous materials or in field settings, ensuring the safety of all team members.
  • Supported research efforts aimed at understanding firefly ecology, behavior, and conservation in Malaysia, contributing to the preservation of these important species.

Education

Universiti Kebangsaan Malaysia
Bangi, Selangor, Malaysia

Bachelor of Science from Biology
04.2001

University Overview

  • Degree Awarded with [Honors]

Skills

Credit policy development

Timeline

Central Credit Management

KPJ Healthcare Berhad
09.2023 - Current

Credit Management Department

Affin Hwang Investment Bank
05.2022 - 08.2023

Samsung Experience Consultant

Retail Galaxy Sdn Bhd
09.2021 - 05.2022

Research Assistant

Friends of Bukit Kiara
02.2021 - 08.2021

Universiti Kebangsaan Malaysia

Bachelor of Science from Biology
04.2001
MUHAMMAD HISYAMUDDIN BIN ABDUL SHUKORCENTRAL CREDIT MANAGEMENT