Summary
Overview
Work History
Education
Skills
Timeline
Generic

Bianca Noel

Valparaiso

Summary

Experienced Credit Manager with extensive collections management experience. Proven track record in cash forecasting and DSO reduction, while developing credit policies that mitigate risk.

Overview

18
18
years of professional experience

Work History

Credit Manager

Albert's Diamond Jewelers
Schererville
05.2025 - Current
  • Evaluated customer credit applications using TransUnion to inform approval or denial decisions.
  • Approved or denied in-store credit limits based on established financial guidelines.
  • Managed customer financing through multiple lenders, including Wells Fargo and Affirm and ACIMA.
  • Reported customer payment history to TransUnion and Equifax, ensuring adherence to FCRA standards.
  • Utilized E-Oscar to investigate discrepancies in credit reporting data effectively.
  • Generated month-end reports tracking application trends and financial program utilization.
  • Analyzed payment behavior to identify risk trends for future credit policies.

Credit Manager

Hitachi Global Air Power US, LLC
02.2022 - 03.2025
  • Managed over $60 million in accounts receivable monthly.
  • Trained and supervised a team of four credit analysts.
  • Evaluated monthly bad debt, making informed reserve allocation decisions.
  • Developed strategies to reduce (DSO).
  • Negotiated credit limits and payment terms for high-risk customers.
  • Collaborated with IT to automate statements and streamline dunning letters process.
  • Conducted thorough investigations into discrepancies regarding pricing, discounts, and warranties.
  • Prepared monthly and quarterly cash forecasts.

Manager, Credit and Collections

Code Red Safety & Rental, LLC
06.2014 - 02.2022
  • Trained and supervised a team of two collections specialists.
  • Determined credit limits by assessing customer financial situations.
  • Managed order releases under credit hold, ensuring company compliance.
  • Managed $10 million monthly in accounts receivables.
  • Performed thorough analyses of bad debt for reserve allocations.
  • Approved credits and debits for processing.

Billing and Collections Specialist

ADS Logistics
02.2008 - 06.2014
  • Investigated customer accounts to resolve past-due issues and minimize outstanding balances.
  • Collaborated with Operations and customers to address billing disputes and outstanding charges.
  • Resolved disputes related to rates, weights, and fuel charges.

Education

Bachelor of Science - Organizational Leadership And Supervision

Purdue University
Westville, IN
05-2006

Skills

  • Collections management expertise
  • Cash forecasting and DSO reduction
  • Accounts reconciliation and resolution
  • Sales tax compliance
  • Daily cash application
  • Credit policy development
  • Credit risk assessment
  • Audit compliance experience
  • SAP expertise
  • Navision ERP proficiency
  • JD Edwards knowledge
  • AS400 skills
  • Microsoft Dynamics 365 proficiency
  • D&B and Cortera analytics
  • Equifax and TransUnion expertise
  • E-Oscar knowledge

Timeline

Credit Manager

Albert's Diamond Jewelers
05.2025 - Current

Credit Manager

Hitachi Global Air Power US, LLC
02.2022 - 03.2025

Manager, Credit and Collections

Code Red Safety & Rental, LLC
06.2014 - 02.2022

Billing and Collections Specialist

ADS Logistics
02.2008 - 06.2014

Bachelor of Science - Organizational Leadership And Supervision

Purdue University

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Bianca Noel