May Zabala

Act as the day to day ‘face of credit’ interfacing directly with counter parties and the Global Trading and Supply team,commercial and finance stakeholders to support and advise on the exposure Trading and Supply has to counter parties and relevant risk mitigation process to collaterize exposure. Tasks includes 1.Conduct Collateral Credit Activities for Europe Trading & Marketing Business: • Contacting of counterparties for collateral when Counterparty exposures exceed Trading and Supply credit thresholds and or limits. •Respond to counterparties collateral requests when T&S exposures exceed Counterparty threshold and or limit. •Maintain accurate records of incoming and outgoing collateral requests and actions. •Monitor Letter of Credit and cash on hand for security purposes. •Prépare credit reports for (KPI,exceeds,expiring Letter of Credit,etc.) and review with relevant Trading settlements focal points. •Participate on dispute resolution process with internal and external stakeholders. 2. Perform ongoing (often daily) Credit reporting responsibilities.These includes: • Maintenance of existing reports,updating changes as requested by internal customers and management. •Validation,verfication and publication of existing reports,data and information intelligence to all relevant stakeholders. 3.Promote continuous improvement in process ,controls, and protocols.

- Responsible for ensuring that customer debts are collected in line with FSCM collection strategies, contracted payment terms and in accordance with Downstream Credit Manual - Adhere to the escalation process in carrying out the debt collection activities - Responsible for managing release of credit blocked orders - Maintain and foster good working relationships with Sales, the business and with relevant FO business partners. - Perform dispute initiation and monitoring of resolution in accordance with the defined SLA - Handle customer queries as well as that of the Customer Service Center - Coordinate with Sales and the business account reviews on assigned portfolios - Monitor Accounts Receivables, Investigate & Resolve Customer Complaint. - Investigate payment discrepancy reason if the customer fails to provide it in their remittance data. - Negotiate and recommend refinancing of overdue debts - Participate in the review of quarterly bad debt provisioning - Contribute ideas on process enhancements/improvement - Prepare/Run monthly reports; - Completes any special projects assigned.

Contacts customer via calls, send out emails and faxes to follow up Past Due accounts in the assigned portfolio Ensures timely collections to include: escalation, managing customer relationships and account research. Forwards any accompanying offsets/adjustments to appropriate personnel. Researches disputed delinquent account balances. Looks for the best solution to facilitate early payments. Recommends accounts that need escalated collection efforts. Recommends accounts for credit hold. Puts timely and accurate information into the division’s business tools • Uses multiple systems for tracking, information gathering, research and entering documentation of communication with customer. Adheres to division of support’s defined metrics • Portfolio Coverage • Reduce past due dollars in assigned portfolio • Dispute management • Unapplied cash • Call Volume Creates value for the customers • Answers inquiries and resolves routine issues for non-payment of invoices. • Requires broad knowledge of company, products and/or services. • Handles customer contact in collection situations which requires adaptation of response or research according to customer response.

Responsible for negotiating payment arrangements with customers on difficult collection accounts, meeting monthly goals, and demonstrating strong communication skills. At all times, adhere to all applicable company and Client policies and processes and all Federal, State and Local laws regarding debt collections. Meet established goals and Client expectations with respect to debt collections, work quality and customer interaction. Provide thorough, efficient, and accurate account updates on computer files for each call made or received. Demonstrate effective skip tracing techniques by locating customer contact information. Counsel delinquent account customers to assist in finding funds to meet debt obligations. Knowledge, understanding, and compliance with all applicable Federal and Local laws and regulations that regulate the collection industry. Knowledge, understanding, and compliance with Client and company policies and procedures.