I AM HERE TO DEVELOP WITH YOU.
Hi, I’m
ROS SAKINAH MOHAMED ROSLI
CREDIT OFFICER
Shah Alam
Summary
Overview
12
years of professional experience
2
Languages
Work History
RICOH ASIA PACIFIC SDN BHD
CREDIT OFFICER
08.2025 - Current
Job overview
- Monitor and manage accounts receivable to ensure the timely collection of outstanding payments.
- Prepare customer statements, bills/invoices, and reconcile revenue to the general ledger.
- Prepare monthly receivable statements, aging reports, defaulter lists, and credit analysis reports.
- Issue letters of demand, reminders, and other correspondence to delinquent accounts.
- Maintain accurate records of all credit control activities, communications, and customer discrepancies.
- Liaise with internal teams (sales, finance, legal) to resolve disputes and clarify outstanding balances.
- Identify potential bad debts and escalate issues to management as required.
- Ensure all cash postings are made in a timely manner and allocated correctly.
- Calculate and post receipts to appropriate general ledger accounts, and verify transaction details, such as funds received and total account balances.
- Proactively suggest and implement improvements to credit control processes to optimize cash flow and operational efficiency.
- Provide backup support to team members and perform general administrative duties as needed.
- Provide periodic reports and updates to management regarding collection performance, risk exposure, and overdue accounts.
- Managing assigned customer accounts to ensure timely collection of outstanding balances and accurate account reconciliation
- Handling complex or high-value cases, including negotiation of payment arrangements and resolution of escalated issues
- Supporting end-to-end collections and dispute resolution processes while meeting performance targets and service standards
- Monitoring account status, maintaining accurate customer records, and ensuring compliance with policies and procedures
- Identifying accounts requiring escalation, dispute handling, or external recovery actions
- Contributing to process improvements to enhance efficiency, reduce aged debt, and strengthen collections practices
- Supporting team operations through knowledge sharing, cross-training, and maintaining continuity during peak periods.
CAMERON BHARAT PLANTATIONS SDN BHD
CREDIT CONTROL EXECUTIVE
07.2023 - 07.2025
Job overview
- Spearheaded maximum recovery of outstanding debts through strategic communication and enforcement of credit terms.
- Collaborated with Finance, Operations, and Sales & Marketing teams to address payment issues via email and WhatsApp.
- Prioritized telephone engagement with delinquent accounts, meticulously documenting interactions and commitments for effective follow-up.
- Diligently updated debtor progress in the system and tracked conversations for accurate issue tracking.
- Ensured timely dispatch of reminder letters and statements in alignment with the company’s credit control policy.
- Managed the preparation and processing of debtors’ journals and accounts receivables adjustments.
- Handled daily banking transactions, including cash/cheque deposits, and monitored post-dated cheques.
- Recommended credit notes and secured suspensions for non-compliant customers to branch managers.
- Enforced credit term extension procedures and monitored adherence to 30-day limits.
- Prepared documentation for the write-off of bad debts.
- Reported monthly on collection activities and outstanding debt statuses to the Credit Control Manager/Team Leader.
- Consistently met or exceeded management’s KPI benchmarks.
POS MALAYSIA BERHAD
CLERK
07.2018 - 05.2025
Job overview
- 1. ASSIST CUSTOMER TO SHIP PARCEL
- 2. ASSIST AND HANDLING CUSTOMER FOR RENEWAL INSURANCE/ROADTAX/LICENSE
- 3. HANDLING CUSTOMER FOR ISSUING MONEY ORDER/DEPOSIT/MAYBANK/UNION
- 4. HANDLING AND ASSIST CUSTOMER FOR ASNB REGISTRATION/REDEMPTION/SUBSCRIPTION
- 5. HANDLING CROSSSELLING PRODUCT SUCH AS INSURANCE/WAQAF/AS-SOFA/KIT KIFAYAH AND MORE.
PROCLASS & PARTNERS SDN BHD
CREDIT RECOVERY OFFICER
05.2016 - 08.2016
Job overview
- 1. HANDLING INBOUND/OUTBOUND CALLS OF BAD DEBT FROM BANK
- 2. CONSULTING DEBTOR TO A WELL MONTHLY PAYMENT OR MAKE FULL SETTLEMENT
- 3. ACHIEVING MONTHLY TARGET FOR TEAM AND INDIVIDUAL
- 4. REPORT AND UPDATE DEBTOR CASE TO MANAGER.
SALAM MEDICAL CENTRE
BILLING CLERK
11.2013 - 04.2016
Job overview
- 1. HANDLING SPECIALIST CLINIC/OUTPATIENT BILLS
- 2. ISSUING GUARANTEE LETTER FOR DISCHARGED PATIENT
- 3. MAKE CLAIM FOR PANEL
- 4. FILLING REPORT
- 5. KEY IN DATA FOR INPATIENT/OUTPATIENT BILL
Education
Kolej Professional Mara Bandar MelakaMelaka
Diploma from Entrepreneurship
01-2011
University Overview
Sekolah Menengah Teknik TaipingTaiping, Malaysia
Sijil Pelajaran Malaysia from Pengurusan Perniagaan
01-2007
University Overview
Skills
MANAGING TASK AND PROBLEM SOLVING
COMMUNICATION
TEAM WORKING
RESPONSIBLE
FAST-LEARNER
ADAPTABILITY
Credit controls and accounts receivable management
Invoice processing and payment reconciliation
Proficient in SAP,Coupa,Ariba system
Strong attention to detail and accuracy
Good communication and collection skills
Interests
STICKER COLLECTION & STAMP COLLECTION
DRIVING LICENSE
DRIVING LICENSE
Driving license category DTimeline
CREDIT OFFICER
RICOH ASIA PACIFIC SDN BHD
08.2025 - Current
CREDIT CONTROL EXECUTIVE
CAMERON BHARAT PLANTATIONS SDN BHD
07.2023 - 07.2025
CLERK
POS MALAYSIA BERHAD
07.2018 - 05.2025
CREDIT RECOVERY OFFICER
PROCLASS & PARTNERS SDN BHD
05.2016 - 08.2016
BILLING CLERK
SALAM MEDICAL CENTRE
11.2013 - 04.2016
Sekolah Menengah Teknik Taiping
Sijil Pelajaran Malaysia from Pengurusan Perniagaan
Kolej Professional Mara Bandar Melaka
Diploma from Entrepreneurship