Melvin Abishek S
Finance In Operations
Bengaluru
Summary
Goal-oriented and Results-driven finance professional with over 12 years of experience in Order to Cash, Accounts Receivable, and Finance Operations, managing end-to-end AR and AP processes, vendor relations, and customer portfolios across the U.S., Canada, Latin America, and India.
Expert in driving operational efficiency through process optimization, system implementation, aging analysis, and financial reporting to strengthen controls and support decision-making. Proven success in leading transformation initiatives, eliminating non-value-added activities, enhancing AR processes, and improving customer satisfaction.
Demonstrated strengths in change management, policy development, and business continuity through contingency planning, cross-training, and process standardization. Recognized for performance excellence, strong stakeholder management, and delivering accurate, timely communication in high-impact environments.
Overview
13
13
years of professional experience
6
6
Languages
Work History
Sr Analyst/Supervisor Credit & Fraud Prevention
Dell Technologies
06.2022 - Current
- Key Result Areas:
- Shadowing the Manager & Supervisor for the Credit & Fraud Risk Prevention Team
- Led and developed high-performing teams, including hiring, onboarding, and continuous coaching to drive engagement, performance, and career growth.
- Handle Team KPI Management / Process Improvement and Publish Credit & Fraud metric report. Publish Team Stacks and perform Quality Check.
- Collaborated cross-functionally with IT, Product, and Fraud teams to enhance workflow systems and optimize fraud detection filters, improving process efficiency.
- Championed process improvements through automation and credit mordernization, contributing to operational transformation and cost reduction.
- Supported internal and external audits (SOX, PwC), ensuring compliance and readiness across credit and AR functions.
- Redesigned the Credit Model to align with evolving business strategies, supporting data-driven decision-making and improved credit risk assessment.
- Proactive review of upcoming deals to ensure adequate credit availability, enabling smooth transaction processing and supporting revenue growth.
- Monitored high-risk accounts, proactively adjusting credit limits based on trends and business needs, ensuring risk mitigation and customer satisfaction.Perform Bi-weekly review on Banking customers.
- Generated performance reports and insights for leadership, contributing to strategic planning and continuous improvement initiatives.
- Projects Executed:
- Established process for Proactive review & Risk Mitigation.
- Business Disruption Index (BDI) – to review and adjust customer credit limit based on Global economic conditions.
- Proactive Pipeline Review to create a frictionless environment.
- Banking Risk Mitigation and utilization
- Global customers E2E Credit risk & financial review
- Significant Highlights
- Reduction in rejection rate from 12% to 5%.
- Improved Performance - Reduced Team SLA from 4 days to 24 hrs.
- Fraud Risk - Reduction in Fraud review rate by 50% (FY23 - 2.1%, FY24 -1%) Further enhanced and currenlty for FY26 - 0.3%.
Finance Analyst-Biz Ops
Amazon-IN Advertising
01.2020 - 01.2021
- Key Result Areas:
- Coordinated with Customer Support Team (CST) and Business Development Managers (BDM) on daily basis, outlining the business requirements to onboard advertisers
- Managed portfolio of 2 main LOB’s SF (Soft Lines) & OHL (Other Hard Lines) for both advertisers & agency
- Steered responsibilities for billing, dispute resolution, collection & cash application
- Processed TDS refund by reconciling internal FORM 26AS and Advertiser Form 16
- Managed cross-functional Team Members handling the portfolio for collection/cash apps & dispute resolution.
- Executed:
- Weekly business reviews with team members across portfolio
- Weekly review on disputes/TAT/stack check on open cases
- Weekly business calls with the sales team on highlighting delinquent accounts and clearing any potential roadblocks for advertisers onsite for business enhancements/resolutions
- Shared:
- Monthly activity scoredcard at individual & team level
- 3 way reconciliation ABNB Vs Billing input Vs Billed for previous month
- Excess Billing Analysis
- CPM Campaign report with CST team for billing input
- Interim transaction register with CST and BD for billing input
- CN and original invoice details for knock off
- Devised MEC call with accounting team
- Raise TT for billing INR and foreign currency (CPM)
- Published disaggregated DSO at category level
- Reviewed and shared POE with BD Team & advertiser through auto emailer
- Published variance Analysis (Campaign Level) billing input & ABNB
- Implemented flash report around TDS reconciliation on refund request
- Projects Executed:
- Reduced TAT from 30 to 5 business days on Dispute Resolution
- Eliminated manual copies of proofs being sent out to advertisers by enabling access to self-serve tool
- Highlighted drawbacks/limitations & requirements for in-house tool development which is used daily for business validation
- Crashed the monthly manual billing timeline from 15th-17th of every month to 10th
- Significant Highlights:
- Gained Team Award for crashing billing timeline
- Gained recognition for improvising dispute resolution TAT to 2 days
Analyst Cash Application & Collections
Target Corporation
09.2015 - 12.2019
- Collections:
- Key Result Areas:
- Prepared ageing report on a weekly basis
- Maintained trend analysis report on >90 days ageing and furnished to partners and management
- Assisted the cash application team members on dispute resolution cases received from vendors
- Engaged with different stakeholders like the Merchant and Accounts Payables Team to influence receivables
- Reduced the outstanding overdue balance with consistent communication with vendors
- Coordinated with Legal Team in case of bankruptcy and relinquished accounts
- Discussed with vendors in cases of settlement due to liquidity
- Projects Executed:
- Reduced manual hours by 60 annual hours by executing a project on statement of account standardization & automation
- Acted as Project Lead for developing macros to standardize month-end reports
- Worked on an ongoing project pertaining to vendor behavioral trend
Accounts Receivables Analyst
Oracle India Pvt. Ltd.
06.2013 - 09.2015
- Key Result Areas:
- Managed various activities relating to Accounts Receivables
- Prepared invoices, credit memos, debit memos, deferred trade billing and ensured correct accounting
- Oversaw invoices and credit memos created through various feeder systems for license, support, consulting, and education
- Executed reconciliation credit card, unbilled and clearing accounts
- Managed credit card payments, chargebacks and refunds
- Supervised various month-end responsibilities with includes GIFTS close and AR sub ledger close and phase-forward close
- Worked closely with different teams associated with entire O2C cycle and onshore stakeholders
- Devised GL reconciliation of various inter-company accounts, final closing of the accounts and submission of final license sales figures to the Corporate
- Facilitated International Revenue Transfer between Subsidiaries
- Projects Executed:
- Played a pivotal role in the project initiated for ERAM and engaged in the Project Development Team by providing inputs and testing the system under test environment server and share results necessary for Go Live
- Changed the manual invoice template and automation by assisting in building a macro to reduce time & effort
- Assisted the Project Team to run the BR VAT RATE CHANGE project, conducted testing, shared inputs on changes required and helped in concluding the final go live version
- Steered the Customer Cut-Off Automation Setup project
Education
B.Com. -
Kristu Jayanti College
Bengaluru01-2013
Skills
Partner Onboarding
Strong Communication
Vendor Management
Training Peers Across Functionality
Client management
Performance monitoring
Data analysis
Stakeholder communication
Report preparation
Time management
Continuous Process improvements
Decision-making
Accomplishments
- Received Directors Award for strategically fixing upstream issue in AR domain
- Bagged Target 2017 Yearly Award for consistently delivering outstanding collection result
- Effectively transitioned the collections process for the domestic portfolio from Minneapolis
- Received Six “YAR (You Are Recognized)” Awards consistently for maintaining accuracy and display of efficiency within 2 years
- Bagged Four Quarterly Awards for significant improvement in process
- Trained new hires on processes, policies and systems
- Managed team level escalations and worked as a part of Dispute Resolution Team to resolve customer disputes
- Appreciated by the GPO for being very efficient in achieving testing cases within the given time
- Attained appreciation from collections for quick resolutions on disputes and service requests
Personal Details
Address: Flat # 009, Shiva Shakthi Springfields, Astra Parkway Hennur Bande HBR Layout, Bengaluru-560043
Timeline
Sr Analyst/Supervisor Credit & Fraud Prevention
Dell Technologies
06.2022 - Current
Finance Analyst-Biz Ops
Amazon-IN Advertising
01.2020 - 01.2021
Analyst Cash Application & Collections
Target Corporation
09.2015 - 12.2019
Accounts Receivables Analyst
Oracle India Pvt. Ltd.
06.2013 - 09.2015
B.Com. -
Kristu Jayanti College