Sandy Chen

- Oversees the implementation and adherence to credit and collections policies, practices and procedures across the Company and a specific region within - Leads the overall credit function. Designs and implements processes to improve cash flow and reduce receivables. - Monitor customer credit limits and appraisal processes, suggest adjustments as necessary to ensure safe and profitable customer relationships. - Perform portfolio credit risk, complete trend analysis, and proactively identify potential financial patterns and trends to make right decisions and formulate risk mitigation plan. - Consults with Director of Credit on complex problems and issues involving policy decision and offers insightful recommendations - Creates and presents reports to management on large customer activity including aging, collection progress analysis and bad debt reserve analysis - Manages delinquent customer receivables, negotiates special customer payment plans and when necessary, files suits or bankruptcy claims to ensure collection - Make personal visits to accounts to discuss financial condition, resolve disputes, and/or obtain a first-hand opinion of the business - Able to build positive business relationships and work collaboratively multiple stakeholders including customers, sales, and the executive team - Support auditor to ensure SOX and all processes in compliance with company policy and procedures Major accomplishments: - Improved accuracy of collection forecast with average -1% - 3% - Delivered continuous excellent collection result, current AR keep over 98%-99% - Implemented multiple projects, including Hyperian report migrated to Power BI report, Asia Europe Oracle Consolidation project, Oracle upgraded, Fastpath (Saas for compliance/SOD), Migrated Customer Credit Request (CCR) from Excel to PowerApps, MK Denial program (trade compliance for restricted parties), Automate invoice statement project and transfer Oracle Discovery report to Orbit report.

Our main services scope: - Outsourced Credit Control Service - Outsourced Account Receivable Management - International Debt Collection - Business Credit Report (only credit report for Chinese companies to foreign countries and credit report for foreign companies to China) - Consultant on Credit Policy and Procedure - Training on Credit to Cash process Noted: (1) Outsourced for B2B only; (2) Tailored solution on status quo ; (3) Trial basis if needed; (4) Confidential and Apparently; (5) Be a part of your company instead of apart from it, means all activities by using your name as agreed.

Key Responsibilities: - Lead and inspire a team of credit professionals to achieve corporate credit objectives. - Manage analyst team in analyzing all necessary financial statement data and other relevant information to determine po-tential customer’s credit worthiness before granting a credit limit or recommending credit limit for consideration by senior management. - Oversee all collection activities and assigns account list for team members. Monitor follow-up communication to ensure all accounts are worked timely to meet performance standards for delinquency and bad-debt losses Work together with cross functions to drive efficiency, accuracy and improved AR metrics such as DSO, Cash and Aged AR; attending relevant conferences as appropriate - Issuing regular reporting on weekly, monthly basis; establishing and publishing metrics - Manage and resolve collection issues for high risk accounts, proactively address areas of concern, and escalate to man-agement if needed. - Coordinate representation for any legal proceedings that might occur and support the legal process - Support internal and external auditors with schedule and documentation requirements for annual audit to ensure the re-quested are completed and returned to audit within the expected timeline. - Performs management responsibilities to include coaching, training and managing staff performance; staying current on credit policy and procedures and ensuring compliance - Cultivates strong partnerships with sales team, customer service, and share service to monitor and carry out credit policies and procedures. Major Accomplishments: - Managed portfolios up to US$130 million, improved Asia monthly collection rates to current 99% through careful management - Performed well over the global KPI in areas of collection target, bad debt target, DSO target, and free cash flow - Excelled in an operation of integrating newly acquired companies and new locations according to the global standard regulations

- Identify opportunities in local China with the purpose of building business relationships with Chinese companies. - Assist the company to take pre-legal or legal action against debtors by providing necessary information. - In charge of quotations and connections with internal collectors and creditors. - Coordinated ad-hoc tasks with creditors and collectors

- Giving professional technical sales support to current possible customers in a timely and effective manner, creating the highest level of customer confidence individually and within the Company. - Grow the Company’s business in the allocated territory and accomplishing the agreed goals for sales and profitability and developing new integrator and customers through B2B, e-commence platforms - Building relationships with key accounts in the territory, growing and placing a key account strategy to secure these accounts. - Organising, placing, and monthly reporting of sales activity and forecast business in the territory. - Negotiate with customers on contractual clause like price, terms, delivery..etc. - Booked shipping vessels, made Shipping/Payment Documents, traced Forwarder's Customs Clearance/Deliveries, traced Customer Payments … etc. Major Accomplishments: - Carried out company's business as a major contributor to fulfilling sales requirements and meeting sales goals. - Streamlined procedures and policies for the export department - Successfully negotiated the proposals using the knowledge of commercial business while increasing customer base.