For 16 years i was in Factoring services at Greek banks. My objectives as Credit & A/R Head concerned: • Procedures planning • Training, organizing and supervising a group of 10 people at least • The management of our clients’ requirements in a way that, on the one hand, the royalties of the Bank are guaranteed and on the other hand, that our Credit & a/r procedures would not affect the commercial relationship with their debtors. • organization and monitoring of collection process with an external partner • Assessment and monitoring of the debtor’s creditworthiness by defining limits. • cooperation with credit insurance companies • smooth cooperation with other departments of the service and the bank • adjustment to the credit policy of our clients • provision of advisory services to clients • monitoring and supervision of all customers' accounts through organized reporting