Manshi Sinha
Summary
I am a finance professional with 3 years of experience in various aspects of Credit Management; I am proactive & achievement-oriented at Avient Corporation. My core competencies include credit Management, Risk Management, Account Receivables (AR) & Invoicing.
Overview
3
3
years of professional experience
Work History
Specialist
Avient Corporation
Thane
2026.05 - Current
- Supporting credit operations across Two Business Units (APAC SAP ECA), (Saudi -SAP PRD)
- Strengthened credit risk controls through monthly portfolio reviews, safeguarding against customer classification into N & Z high-risk categories.
- Conducted comprehensive credit assessments by analyzing financial ratios, cash flows, payment history, credit exposure, and risk indicators to evaluate customer creditworthiness and mitigate default risk.
- Analyzed daily ageing reports and collaborated with cross-functional teams (CSD & Sales) to resolve payment overdues, enabling smooth order processing and reduced block orders.
- Facilitated visibility of open tickets and accelerated resolution by sending daily service reports to relevant teams.
- Managed end-to-end billing process in Jomar, ensuring timely invoice generation and minimizing processing delays.
- Processed and applied incoming customer payments in SAP (Company Code IN47) via bank transfers, cheques and remittances, ensuring accurate clearing of open AR items.
- Performed daily cash posting and clearing activities using SAP (F-28 /F-32), maintaining high accuracy and meeting SLA timelines.
- Managed unapplied and partial payments, coordinating with Customer Service and Credit teams to ensure proper allocation.
- Handled short payments, deductions, and disputes by identifying root causes and updating records for follow-up.
- Maintained accuracy in customer account reconciliation, reducing unapplied cash and improving account clarity.
- Handled interplant cash application activities, including transfer postings, GL adjustments, and cross-company reconciliations, ensuring accurate and timely clearing of balances.
- Ensure compliance with month-end closing timelines and internal control requirements.
Associate
Avient Corporation
Thane
2023.07 - 2026.04
- Managed order fulfillment in SAP by reviewing credit status and inventory availability to ensure timely deliveries and minimize risk exposure.
- Conducted credit assessments and recommended adjustments to credit limits and risk categories based on payment history and exposure analysis.
- Setting Credit Limits for new Customers using Internal Financials & Third-Party Reports (D&B, Allianz) to optimize Risk & sales balance.
- Handled high-volume customer enquiries and order workflow via SAP and email, ensuring accuracy and timeliness in responses.
- Supporting Credit Operations across two Regions (APAC &EUROPE) showcasing Flexibility & Cross -Functional Understanding.
- Creating & validating Customer Accounts in coordination with the MDM Team to ensure accurate data Integration.
- Monitoring Credit References & payment terms to enforce consistent credit policy adherence.
Education
BACHELOR'S - ACCONTING & FINANCE
MIT WPU
PUNE2023-05
Skills
Credit Management & Accounts Receivable
- Credit Risk Assessment
- Credit Review & Customer Credit Analysis
- Credit Limit Management
- Order release management
- Cash Application
- Payment Posting & Clearing
- Account Reconciliation
- Dispute Management
Technical & Soft Skill
- SAP ERP
- Jomar Application
- MS Office- Excel, Powerpoint & Word
- Multitasking Activities
- Time Management
- Adaptability
- Communication Skills
Accomplishments
- Promoted from Associate to Specialist.
- 'You Made a Difference' Awarded Twice for Successful Transition for Fiber-Line Billing Process and Timeline in Block Order Reviewing and Releasing.
Project
- Proactively initiated and established a credit review framework for the Saudi portfolio, where no prior risk assessment process existed.
- Conducted detailed credit risk analysis, including exposure review, ageing analysis, and payment behavior evaluation to identify high-risk accounts.
- Recommended credit limit revisions and risk mitigation actions, reducing potential bad debt exposure and improving portfolio quality.
- Strengthened credit governance by ensuring timely reviews, monitoring overdue balances, and enforcing credit policies.
- Collaborated with Sales and Finance teams to balance risk control with business continuity, enabling informed credit decisions.
Transitions
Credit Management
- Successfully transitioned Saudi Credit Management processes, achieving seamless go-live with minimal backlog and 100% SLA adherence.
- Reduced order release cycle time and credit block clearance delays post-transition by implementing process improvements.
- Identified and resolved process gaps during transition phase, improving accuracy in credit reviews and order handling.
- Ensured high-quality service delivery by aligning with business requirements and minimizing escalations.
Billing
- Successfully led the transition of Fiberline billing processes, ensuring smooth knowledge transfer and zero disruption to daily operations and developed SOPs to standardize and optimize the process.
Timeline
Specialist
Avient Corporation
2026.05 - Current
Associate
Avient Corporation
2023.07 - 2026.04
BACHELOR'S - ACCONTING & FINANCE
MIT WPU