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
06.2017 - 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
09.2014 - 05.2017
- 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
12.2012 - 08.2014
- 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
07.2009 - 12.2012
- 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
10.2008 - 07.2009
- 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
09.2005 - 05.2008
- 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 04.1998 - 03.2000
Diploma - Commercial/Secretarial Practice
Womens Polytechnic
Mangalore 04.2000 - 03.2003
SSLC - Business
St.Gerosa Convent School
Mangalore 03.1997 - 04.1998
Skills
Knowledge of service transition methodology, tools and templates & documentation skills
Project Management
Customer Relationship Management
Strong organization skills
Strong leadership and mentoring skills
High level of attention to detail
Excellent verbal and written English language communication skills
Timeline
Financial Analyst
Juniper Networks (India) Pvt. Ltd
06.2017 - Current
Credit & Collections Analyst
Juniper Networks (India) Pvt. Ltd
09.2014 - 05.2017
Credit & Collection Analyst
McAfee Software India Pvt Ltd
12.2012 - 08.2014
Lead F&A Operations
IBM Daksh
07.2009 - 12.2012
Account Representative
First Financial Bank
10.2008 - 07.2009
Senior Executive Operations
IBM India Pvt Ltd
09.2005 - 05.2008
Diploma - Commercial/Secretarial Practice
Womens Polytechnic
04.2000 - 03.2003
Pre-University - Commerce
Besant Women's P.U. College
04.1998 - 03.2000
SSLC - Business
St.Gerosa Convent School
03.1997 - 04.1998