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My name is Paul Unwin, I am a Credit Controller, Debt Management and Recovery Specialist, I have been in the AR side of finance for over 25 years and as such I have built and developed a high level amount of knowledge within the industry of Debt Management.

During these years, I have become highly experienced contracts negotiator, collecting disputed debts based on disputed contracts, a very good litigator, this is all done in-house with no use of external agents or solicitors. A cost saving advantage for any employer.

I have help and implemented AR systems which will from invoice, process the Dunning pass to a collector or dispute resolution agent to collection and matching, tracking and reporting the issue of the unpaid invoice to the necessary department for resolution.

Some of my past major achievements during my career our:-

  • The deduction of debt from 12 million to 3 million within 12 months whilst employed at Pitney Bowes.
  • The reduction of DSO from 147 to 35 within 6 months While at Kestral Group
  • The collection of 95% of billings from previous month with terms while at Ramesys (RedSkyIT)

The key to this success is setting into place the process and good communication skills. Keeping good customer satisfaction while resolving issues over none payment of debt.

I have a very good understanding of accountancy packages such as Sage, SAP and Oracle just to name a few, in addition to using these I have extremely good knowledge of Word, Excel at advanced level with use of other MS office products.

As a person I can train and develop others in all accepts of AR, contracts and recovery a self motivator who gets the job done in a timely manor. Enjoying a challenge.

Personal Details

D.O B 26 Dec 1961

Married with 3 children (8,10,15)

None smoker

Hobbies: Web design, Information Technology, although a lot of time is spent with the children. 

Sites used for reference


Member of the Institute of Credit Management

Member of the Association of Credit Professionals 


Work experience


·Group Credit Manager – Kestrel Group Services PLC

·Group Credit Manager – Publishing Holdings PLC

·Trainee Credit Manager – Access Commercial Investigators Ltd

·Trainee Sales Assistant – Eastern Electricity PLC


TAS Legal Services (Private Investigators & Process Servers)

TAS Legal services was a firm of private investigators and debt collectors, during my 6 and half years with the firm I was involved with many aspects of the services provided, as listed below. Although the company only has a handful of staff, the more in-depth work handled by contractors of which I handled the work case reporting back to the clients directly.

The role involved working unusual hours with a vast amount of travelling, working along side government and professional bodies, in the UK and overseas.

  • Investigation into income benefit fraud
  • Taking of witness statements
  • Road traffic accidents investigations
  • Serving of legal documents
  • Skip tracing
  • Surveillance work
  • Repossessions & Bailiff work
  • Debt collection
Jan 2009Present

Head of Billings & Collections

Veolia Water Shared Services Ltd

Veolia Water Shared Services Ltd was set up to maintain the accounting function for the Veolia group of companies in the water industry. This also includes 3 Valleys Water PLC. The Role is strategy & performance throughout the Group. Primarily a Change Management role to improve DSO and improve working capital cycle. Deliver services per the SLA’s. Maintain the KPI’s Process the implementation of Oracle, mapping and design, testing of the new AR modules.Key role to work with the Senior management within the businesses to improve its DSO, over 90 day debt and working capital cycle and ensure permanent, ongoing improvement. Very visible with Senior Operations managers to ensure appropriate and effective influence on all areas that impact Credit Performance. Ensure the teams are showing continuous improvement in the credit basics, including

·Credit risk strategy

·Continuous improvement in DSO

·Continuous improvement in >90 day debt

·Continuous improvement in outstanding sales ledger queries

Apr 2007Oct 2008

Billings & Credit Manager

Travers Environmental Services Ltd (Transportation of liquid waste)

Travers is a small family business with a turnover of 10 million, with 109 staff, 12 office staff. This is a low value high turnover business with some 6000 invoices issued a month spread over 500 accounts, most clients are re-sellers or construction sites with some household accounts.

The credit control department consists of me and one part-timer

  • Vetting new accounts setting up contracts with agreed terms
  • Monitoring account status checking against terms to contract
  • Chasing and receipting of monies due, placing accounts on hold
  • Visits to clients to sort account disputes
  • Issues of legal proceedings when accounts remain unpaid
May 2006Apr 2007

Billings and Collections Manager

Glu Mobile, Inc. (Developers of computer games for the mobile phone industry)

The role was to cover maternity leave for 12 months. During these 12 months the company went through 2 year ends and floated on the NASDAQ. The majority of the work was covering these. Glu Mobile is an international business the role covered EMEA and APAC with the head office in California.

  • Responsibility for managing a team of two credit controller & one sales coordinator
  • Debts valued from £5.00 to £500,000 in multiple currencies over 120 live accounts spread over 20 countries.
  • Ensuring countries game sales reports were received in time for billing.
  • Allocation of payments dealing with WHT and exchange differences.
  • Dealing with sales force on new contracts, vetting accounts world wide checking contracts for terms against the countries standard terms
  • Dealing with head office in the US to cover issues which arise from time to time including the issues over the sales ledger.
Mar 2002May 2006

Credit Control & Billing Manager

Redsky IT Ltd (Supply of Information Technology solutions to the construction industry)

Initially the company traded under the name of Ramesys Construction Ltd a division within the group. This was broken down into divisions by software title AEC (Cardiff) Mentor (Blackburn) and Axim (Hemel) The first part of the task was to merge the various offices into one Accounts Receivable, along with other accounting functions.

Understanding the product from process to sale and sigh off, due to the nature of the product and services, many disputes were raised from hardware issues to software errors. Meeting clients with a technical team to fully understand the client issues. Finding solutions or a work around.

  • Responsible for managing a team of two credit controllers and two billing Clarks with over 600 live accounts
  • Debts value from £50.00 to £300,000
  • Ensure customers are invoiced accurately and promptly
  • Managed the Sales ledger, collecting cash due & mitigating risk of bad debt by vetting
  • Gauged team performance against KPIs of cash collected, sales outstanding & write off
  • Collected bad debts once risk has materialised using 3rd party collectors & civil courts
  • Ensured value for money with debt collection agencies building good working relationships
  • Provided expert advise to the company on credit risk and enforcement procedures
  • Prepared civil litigation & processed in house from commencement to closing legal files
  • Ensured all claims for insolvency including voluntary liquidations were correctly logged
  • Established a co verse understanding between the credit control and sales ledger
  • Monitored ongoing training requirements, set objectives & drive for achievement
Jun 2001Feb 2002

Group Credit Manager

Bell Group PLC (Security and Fire Installation equipment)

Commenced work while on gardening leave on a temporary basis for 4 weeks, once redundancy was confirmed by PB a full time role was offered at group level to handle the company’s ledgers.

  • Responsible for dealing with credit procedures & ensuring compliance with guidelines
  • Managed and monitored the performances of two staff and over 600 live accounts
  • Ensured the required resources were in place for when invoices were in high periods
  • Collated statistical information, reporting to Group’s cash collection on monthly basis
  • Monitored the training & development of staff, identifying & rectifying shortcomings
  • Successfully investigated, monitored & resolved various disputed & complex issues
  • Set up and presented at meetings in order to negotiate the settlement of accounts
Mar 2000May 2001

Legal Manager

Pitney Bowes Ltd (Supply and maintenance of Franking Machines)

Initially employed as Legal Manager for back end collections and recovery of equipment, with 6 staff reporting, after 6 months took on the collections process for the Dublin office, which I also attending weekly. This office was merged into the collection office within the UK as a cost saving exercise.

After being with the company for 9 months was passed the front end collections looking after 54 staff from inbound call centre to telephone collection and queries clerks. This continued until May when Pitney Bowes merged with Pitney Bowes Finance.

  • Responsible for dealing with slow payers using debt recovery agencies & solicitors
  • Minimised monthly bad debts by credit vetting, dealing with 8,000 accounts at £11m
  • Managed litigation papers on daily basis ensuring compliance with legislation
  • Attended meetings at high level internally & externally to resolve problems with accounts
  • Updated the accounting system SAP informing other departments on case outcomes
  • Dealt with EMEA accounts effectively, establishing excellent working relationships
Aug 1999Mar 2000

  • Responsible for acting as credit controller & allocation clerk for the company clients
  • Prepared reports for management & dealt with expenses & banking reconciliations


Sep 1970Jul 1976

Queen Elizabeths Boys school

·7 O’ Level qualifications achieved


Accounting systems
·        Sage Line 50 ·        Axim ·        Mentor ·        SAP ·        Oracle
Advanced Excel user