Sapna Karkera
Financial Analyst
Bengaluru,KA
Summary
Highly motivated professional with excellent customer service skills and a strong ability to turn complex problems into solutions. Always have a proactive approach & believe in team work. Majorly experienced in Accounts Receivable B2B Collections, Dispute Management, Credit & Billing processes. Have strong knowledge working on MDF & Marketing activities along with SOX & Compliance.
Performing credit checks & Interacting with customers in non-payment cases & supervising the accounts receivable team for the open receivables. Recommending business strategy to the BU owners & providing timely & efficient resolutions along with meeting the SLA's. Responsible for conducting periodic internal reviews of the projects & claims & assess any potential fraud activity.
Experienced in qualitative and quantitative analysis, contract management and forecasting. Tech-savvy in use of Excel, Powerpoint, SAP, Oracle, Hyperion etc.
Overview
15
15
years of professional experience
6
6
years of post-secondary education
Work History
Financial Analyst
Juniper Networks (India) Pvt. Ltd
Bangalore , Karnataka
2017.06 - Current
- Working with the Marketing development team (MDF) & handling a team of two people
- Taking care of approving the projects for MDF across all theatres. Working on accruals & forecasting for the quarter & analyzing the budget.
- Working with MDF PAM's on the exceptions raised.
- Conducting monthly audits & working with corporate controllers on the SOX samples for the quarter.
- Work with geography managers to help create and execute relevant marketing communication strategies to ensure high impact brand messaging.
- Work and collaborate with sales, product management, product development and other BASF divisions to meet project goals
- Auditing the projects & claims paid to the partners & providing feedback to the stakeholders & partner account managers on updating the guidelines & SOP's
- Excellent project management skills, with strong problem solving, analytical, quantitative communication and organizational skills
- Be a gate keeper in terms of Compliance to ensure all the thresholds are adhered.
- Streamlining the end to end MDF process which resulted in zero observations from Internal & External Auditors every quarter.
Credit & Collections Analyst
Juniper Networks (India) Pvt. Ltd
Bangalore , Karnataka
2014.09 - 2017.05
- Handling portfolio of 20M mainly supporting high-risk regions like Russia & Middle East countries.
- Transitioned Juniper accounts from Dublin to India for EMEA customers.
- Working with stakeholders in negotiating & providing extended payment terms to the customers.
- Co-originating with legal team & credit assessment for documentation of contracts & legal documents while on boarding the customer.
- Handling discrepancies, over the credit line requests & billing queries relating to the portfolio.
- Work with the team in reviewing the refunds, creating manual credits/debits for customer accounts.
- Been a part of testing team & creating process documentation for collections team after transition of ERP from oracle to SAP system.
- Proactive Interacting with Account Managers for providing better customer service.
- Preparing recons on monthly basis for global customers & resolving any recon issues.
- Hosting weekly calls with stakeholders in reviewing the payment history, credit limit & release orders from credit hold in timely manner to ensure smooth running of business.
Credit & Collection Analyst
McAfee Software India Pvt Ltd
Bangalore , Karnataka
2012.12 - 2014.08
- Handling AR for MX Logix with a portfolio of 5M.
- Worked with account managers on billing discrepancies on accounts to ensure timely payments.
- Worked on refunds & credit card payments in SAP environment.
- Work with the stakeholders for payment plans, tax queries & bad debt account
- Conducted presentations to upper management and executive teams for discounted terms recommendations.
Lead F&A Operations
IBM Daksh
Bangalore , Karnataka
2009.07 - 2012.12
- Work with the Account Managers on dispute resolution, ageing, portfolio strategies, work allocation & deduction management.
- Closely worked with Buyers of different business segments and Account Management.
- Understanding the journal entries passed to credit the customers.
- Coordinating & following up with the Clients (Business Unit Managers, Account Managers) to provide the required documents.
- Interaction with the Credit and Collections senior manager (UK) in resolving the issues that is over 120 days past due for resolution.
- Communicate effectively with the Functional Heads of the different departments by conducting weekly business calls.
- Credit Assessment on new and existing accounts.
- Reviewing accounts, before releasing any orders referred on the accounts.
- Understand the account history, sales and business forecast before assigning the accounts to the concerned collectors.
- Investigate the risk factor involved in each account and monitor it as per the risk category.
- Examine the D&B alerts to get details on account which are out of business, decline in sales and credit.
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
- Increased customer satisfaction by resolving issues in a timely manner.
Account Representative
First Financial Bank
Bangalore , Karnataka
2008.10 - 2009.07
- Worked on charged off accounts, Bankrupt & bad debt collections Contacted the customers to find the reason for delinquency.
- Conducted skip tracing on the account in finding more details to contact the customer.
- Increased customer satisfaction ratings through proactive and actionable resolutions to questions, concerns or challenges.
- Analyzed accounts for delinquencies and other ongoing issues.
Senior Executive Operations
IBM India Pvt Ltd
Bangalore , Karnataka
2005.09 - 2008.05
- Part of the transition team for US process collections & dispute management with a portfolio of 20M (DowJones & Wall street Journal)
- Provide refresher training & conducting boot camps for new joiners to increase & streamline the process
- Work on weekly Bad Debt reports & helped the individual team members in establishing a process to reduce the number of accounts moving to bad debts.
- Process refunds and provide reconciled statements to the customers. Assisted the cash apps team in payment application Revising the invoices & preparation of pro-forma invoices.
- Co-ordinating with the billing & sales team on contract & price details.
Education
Pre-University - Commerce
Besant Women's P.U. College
Mangalore 1998.04 - 2000.03
Diploma - Commercial/Secretarial Practice
Womens Polytechnic
Mangalore 2000.04 - 2003.03
SSLC - Business
St.Gerosa Convent School
Mangalore 1997.03 - 1998.04
Skills
Knowledge of service transition methodology, tools and templates & documentation skills
undefinedTimeline
Financial Analyst
Juniper Networks (India) Pvt. Ltd
2017.06 - Current
Credit & Collections Analyst
Juniper Networks (India) Pvt. Ltd
2014.09 - 2017.05
Credit & Collection Analyst
McAfee Software India Pvt Ltd
2012.12 - 2014.08
Lead F&A Operations
IBM Daksh
2009.07 - 2012.12
Account Representative
First Financial Bank
2008.10 - 2009.07
Senior Executive Operations
IBM India Pvt Ltd
2005.09 - 2008.05
Diploma - Commercial/Secretarial Practice
Womens Polytechnic
2000.04 - 2003.03
Pre-University - Commerce
Besant Women's P.U. College
1998.04 - 2000.03
SSLC - Business
St.Gerosa Convent School
1997.03 - 1998.04
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