I am a Senior Credit & Collections Leader with more than 22 years of experience managing credit risk, collections, cash application, and Order-to-Cash processes across FMCG, pharmaceutical, logistics, insurance, and financial services industries.
I specialize in credit risk assessment, credit policy development, credit limit setting, portfolio exposure monitoring, and financial analysis. I use operational metrics such as DSO, CEI, aging, and bad debt to improve cash flow and collection performance.
I have led regional and multinational teams, supervising analysts across accounts receivable, accounts payable, general ledger, collections, and O2C functions. My leadership approach focuses on process standardization, automation, continuous improvement, and strong internal controls.
I am experienced with enterprise financial systems including SAP, Oracle, JD Edwards, Concur, Ariba, Salesforce CRM, and Power BI. I have also implemented credit assessment and monitoring solutions such as Moody's CreditLens, CreditSafe, and Credit Monitor.
I bring strong knowledge of SOX controls, ISO 9001:2015 compliance, reconciliations, deduction management, and Lean Six Sigma methodologies. I am fluent in Spanish and professionally capable in English and Portuguese.
Supervise credit, collections, and cash application operations for BAT LATAM. Lead a team of 10 analysts and oversee cash application, reconciliations, and SOX control activities.
Implemented CreditLens, CreditSafe, and Credit Monitor to strengthen credit assessment and risk scoring. Redesigned collections and deduction management processes under ISO 9001:2015 and improved performance through aging, CEI, DSO, and bad debt analysis.
Managed the Global Corporate Purchasing Card Program and led a team of five analysts.
Improved policy exception detection through automation and strengthened reconciliation processes using SAP and Oracle.
Supervised a finance team of eight and analyzed key financial performance indicators for LATAM operations.
Led continuous improvement projects aligned with Order-to-Cash processes and managed JD Edwards and Concur operations.
Managed five multidisciplinary teams supporting accounts receivable, accounts payable, general ledger, and Order-to-Cash functions.
Implemented CRM capabilities and automated reporting with Power BI. Oversaw reconciliations, SOX and ISO compliance, and credit agreement analysis to mitigate financial risk.
Supervised a team of seven analysts in regional credit and collections operations.
Transformed regional collection processes, standardized account reconciliation practices, and implemented continuous improvement initiatives.
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