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Joy DhanaiJD

Joy Dhanai

Credit Management Specialist

€350/day
Den Haag, NL
8-15 years
Exact Online
Business Central
SAP S/4 HANA
Navision
Microsoft Power BI

Average response time: 1 hour

Freelancer profile translated to English.
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About Joy

Senior Credit / Finance professional with extensive experience in Credit Control, Debtor Management, and Team Lead roles. Hands-on, results-oriented, and accustomed to bringing structure where it's needed.

🧠 Approach
Clear agreements
Consistent follow-up
Ownership & responsibility
Calmness and overview in operations
No noise. No politics. Just results.
Postal Services and Logistics
Healthcare Providers
Healthcare payors
Energy and Electricity
Banking and Financial Services

  • Dutch

    Native or bilingual

  • English

    Fluent

  • German

    Conversational

Can work on-site
Den Haag (up to 50km)

Experience

  • Eteck Energie Bedrijven B.V.
    Personnel Credit Management Specialist
    ENERGY AND UTILITIES
    April 2025 - December 2025 (8 months)
    Voorburg, Netherlands
    · Actively manage outstanding debtor items and follow up with customers.
    · Review and assess payment reminders, POM collections, and process in OIC systems.
    · Complete and provide court summons files upon request from collection partners such as Ultimoo.
    · Perform early signalling towards debt counselling and other chain partners.
    · Handle customer notifications and GK tickets regarding payment problems and debt counselling.
    · Manage the debtor mailbox and process communication in the BO structure.
    · Run and analyze Project invoices and follow up on findings.
    · Monitor & internally coordinate outstanding disputes until completion.
    · Monitor bailiff visits and legal proceedings in collaboration with Ultimoo Incasso.
    · Print and analyze B2C & B2B portfolios; take targeted action on overdue payments.
    · Continuously assess and optimize the collection process for ongoing cases.
    · Keep DSO-ADR analyses up-to-date and discuss them with stakeholders.
    · Prepare periodic management reports and BI reports to provide insight into performance, risks, and trends.
    Microsoft Power BI Business Central OnGuard SAP Microsoft Office
  • Jas Contract Logistics
    Billing Manager
    LOGISTICS AND SUPPLY CHAIN
    March 2022 - March 2025 (3 years)
    Ridderkerk, Netherlands
    · Lead the Billing team and act as the central point of contact for internal and external stakeholders.
    · Responsible for a correct, timely, and complete invoicing flow, including resolving and preventing disputes.
    · Optimize invoicing processes and support the implementation of the WMS system Softeon, including making improvement recommendations.
    · Monthly monitor rates, customer agreements, and costs to ensure accuracy and efficiency.
    · Collaborate intensively with the Management Team to fine-tune processes and implement structural improvements.
    · Perform debtor management, including following up on arrears, analyzing payment behavior, and securing payments.
    · Manage and resolve internal and external escalations, connecting departments and ensuring clear, fast, and supported solutions.
    OnGuard Microsoft Office Business Central SAP S/4 HANA Navision
  • Tolsa B.v.
    Senior Debtor Manager
    LOGISTICS AND SUPPLY CHAIN
    July 2019 - January 2022 (2 years and 6 months)
    Vlaardingen, Netherlands
    · Responsible for the quality, completeness, and reliability of the financial administration.
    · Manage the entire debtor portfolio, focusing on timely payments and active follow-up of outstanding items.
    · Coordinate the invoicing process towards customers and ensure error-free and timely processing.
    · Structural alignment with Supply Chain for efficient warehouse-to-customer processing.
    · Manage and enter correct prices in SAP, including checking and maintaining price agreements.
    · Intensive collaboration with sales management to resolve disputes, discrepancies, and process disruptions.
    · Weekly report financial results to management and provide insight into cash flow developments.
    · Structural consultation with international management (Madrid) on performance, financial risks, and cash flow optimization.
    · Perform month-end closing and business control activities to ensure correct reconciliation with accounting.
    SAP S/4 HANA Business Central Microsoft Office Exact Online Salesforce

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Education

  • Commercial Business Administration
    Albeda Rotterdam MBO Niv 3.
    2002
    Commerciele Bedrijfsadministratie
  • Accounting Assistant
    Albeda Rotterdam MBO NIV 4.
    2004
    Boekhoudkundig Medw.

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