Dhruv Sud

Revenue Operations | Business & Finance Analyst | Data-Driven Process Improvement | MBA (AI in Credit Risk)

Australia

About

Experienced Accounts Receivable and Credit professional with 10+ years in business banking, corporate lending, and collections. Skilled in managing client accounts, resolving complex enquiries, improving processes, and delivering actionable insights through reporting and dashboards. MBA graduate with Artificial Intelligence in Credit Risk Management coursework, combining operational experience with analytical and data-driven decision-making skills. Proven track record in: - Reducing DSO and improving cashflow through process improvements, dashboards, and automation - Building reporting and analytics tools that support commercial and operational decisions - Collaborating across Finance, Sales, Legal, and Operations teams to achieve business outcomes - Supporting system/process improvements and maintaining high data integrity Currently pivoting into Revenue Operations, Finance Analysis, Business/Operations Analysis, Commercial Insights, or Business Systems Support roles to leverage expertise in reporting, analytics, and process optimisation to deliver measurable business results.

Experience

  • Credit Controller at WiseTech Global

    - Managed a portfolio of 150+ client accounts, monitoring credit exposure and supporting cashflow targets - Contributed to monthly collections achieving a 5% improvement in company cashflow - Collaborated with Finance, Sales, and Legal to resolve disputes and reduce overdue balances by 8% - Developed reporting dashboards, reducing manual processes by 18% and improving visibility of collections cycles

  • Senior Collections and Customer Service Specialist at OnDeck Australia

    - Supervised a team of 3, improving KPIs by 10% year-on-year - Implemented customer engagement strategies, improving repayment rates by 7% and NPS by 4 points - Managed hardship and repayment variation requests across SME lending products

  • National Collections Officer at Coca-Cola Amatil

    - Managed national collections for a $12M portfolio, consistently meeting 97% of collection targets and reducing DSO by 6% over two years - Resolved 90% of complex customer disputes within SLA, improving dispute management processes by 12% - Collaborated with Finance and Sales teams to recover high-risk accounts, decreasing overdue balances by 10% - Assisted in developing training initiatives that improved team efficiency and cashflow management

  • Dispute Resolutions Officer at Coca-Cola Amatil

  • Credit Risk Specialist at Commonwealth Bank

    - Managed servicing for 30+ business banking clients, supporting credit and arrears strategies - Assisted in hardship and restructuring arrangements, helping ~20 clients while maintaining policy compliance - Maintained 90% customer satisfaction in sensitive cases

  • Senior Consultant at Deloitte

    - Assisted with debt recovery for client portfolios totaling $30M, achieving a 5% reduction in DSO - Implemented process improvements that increased cashflow reporting visibility by 10% - Resolved $500K+ in unallocated receipts, reducing overdue account issues within a week on average

  • Senior Credit Officer at Coca-Cola Amatil