Open to opportunities

Adib Rahman Habib

@adibrahmanhabib

Message

I lead credit risk and collections, improving cash flow through disciplined, data-driven credit strategies.

Bangladesh

Message

What I'm looking for

I’m looking to lead a Head of Credit function with strategic vision and quantifiable ROI—building credit risk frameworks, partnering with Sales, improving DSO and payment performance, and strengthening governance through analytics and recoveries.

I’m a senior credit management professional with 12.7 years of progressive leadership across multinationals. I design credit risk frameworks that translate directly into outcomes like a 60% reduction in bad debt, sustained DSO below 90 days on a BDT 41.5 Cr portfolio, and an 80% improvement in payment follow-through.

In my current role as Credit Controller at Jotun Bangladesh Limited, I manage BDT 41.5 Cr receivables and keep collections aligned with global credit policy. I reduced overdue receivables by 10% within 12 months using tiered risk-category frameworks and real-time dashboards, and I authorize credit limits for 360+ accounts through monthly reviews with sales partners.

Previously, as Assistant Manager, Credit Risk Management at Karnaphuli Group, I built credit risk strategy for a 200+ account portfolio (BDT 30 Cr), cutting bad debt write-offs by 9.6% YoY and recovering BDT 80 Lac via structured repayment plans. I also strengthen governance by closing compliance gaps, mentoring credit teams, and driving legal recovery for delinquent accounts—so credit decisions remain measurable, fair, and operationally effective.

Experience

Work history, roles, and key accomplishments

Current

Credit Controller

Current

Jotun Bangladesh Limited

Nov 2023 - Present (2 years 7 months)

Managed a BDT 41.5 Cr receivables portfolio, sustaining DSO below 90 days and reducing overdue receivables by 10% within 12 months through a tiered risk-category framework and real-time dashboards. Authorized credit limits for 360+ accounts and led monthly reviews with 27 sales reps, improving payment follow-through and supporting legal recovery for delinquent accounts.

Receivables Management Credit Policy Credit Limits DSO Management Dashboards Overdue Receivables Reduction Delinquent Account Management Credit Reporting Financial Analysis ERP Systems Advanced Excel Monthly Credit Reporting

Assistant Manager, Credit Risk Management

Karnaphuli Group

Feb 2020 - Nov 2023 (3 years 9 months)

Designed credit risk strategy for a 200+ account portfolio (BDT 30 Cr), reducing bad debt write-offs by 9.6% YoY. Recovered BDT 80 Lac via structured repayment plans, closed 38 compliance gaps, trained credit executives, and produced monthly variance analytics for executive credit-exposure decisions.

Credit Risk Write Offs Repayment Plans Compliance Gap Closure team training Financial Analysis

Senior Credit Executive, Finance & Planning

ACI Limited

May 2017 - Jan 2020 (2 years 8 months)

Managed credit and accounts receivable for 350+ B2B accounts across FMCG and pharmaceutical segments, recovering BDT 2.5 Cr in delinquent dues. Delivered monthly risk analytics to Finance leadership to support order approvals.

Credit Management Accounts Receivable Delinquent Dues Recovery Risk & Analytics Financial Analysis Credit Reporting

Executive, Ship Management & Operations

Min Sheng Lines (Bangladesh) Ltd.

Dec 2014 - Apr 2017 (2 years 4 months)

Handled vessel scheduling, berthing operations, and cargo handling, coordinating with stakeholders to support ship operations. Managed operational coordination across ship management and related activities.

Berthing Operations Cargo Operations Management