Urvinder Kaur

CREDIT ANALYST

• Performed credit assessments for new customers and periodic reviews for existing accounts, including order hold release reviews.
• Analyzed customer financials (P&L, Balance Sheet, Cash Flow) using D&B reports for credit risk evaluation.
• Approved new account applications, set credit limits, and performed risk categorization.
• Managed credit limit exceptions, and implemented actions to mitigate risk exposure.
• Monitored delinquent balances, and communicated account status proactively.

COLLECTION ANALYST

• Managed collections and dispute resolution, including follow-ups on missing remittances.
• Drove strong AR performance through collections scorecard reporting, keeping past-due variance under 5%, PD over 90 days at 3%, and deductions under 1% of total AR.
• Performed cash application, reconciliations, updated tax-exempt certificates, processed inter-account transfers (IATs), and customer refunds with accuracy in ERP systems.
• Identified and resolved unallocated cash (UAC) by coordinating with underwriters to ensure timely booking. ensuring clean accounts
• Guided and mentored new team members on process and domain knowledge.
• Delivered process KPIs while ensuring compliance with internal controls, standards, and regulations. Drove debt reduction initiatives to lower DSO, reduced DSO by 15% across a $40M portfolio by optimizing collection strategies.
• Collaborated with onshore teams, underwriters, and domestic stakeholders to improve operational efficiency by proactively updating the policies and desktop procedures for each processing.

Deduction Investigator

• Managed and resolved end-to-end deduction programs of high-valued customers with a $20M portfolio, including matching, validation, clearing, collection, and research of customer short pays.
• Analyzed daily invalid deductions (pricing, quantity, etc.). Within defined timelines. And coordinated with customers for repayment.
• Contacted customers to obtain the required documentation for deduction resolution.
• Coordinated with the sales team on disputes related to open deductions.
• Reconciled customer deductions and check payments accurately.
• Escalated deduction, payment, and rebill issues to management in a timely manner.
• Assisted in the implementation of many continuous improvement initiatives, like HighRadius for deductions and claims processing.

Billing Team

• Worked across multiple products and application environments.
• Identified root causes of sync issues between ordering, provisioning, billing systems, and account reconciliation.
• Raised credits for billing errors and discrepancies with proper validation.
• Managed new customer orders for billing, validating against signed contracts.
• Reconciled invoices with revenue reports to ensure same-month revenue booking.
• Analysed and resolved orders, billing setups, and credit disputes within SLA, with complete documentation and calculations.
• Collaborated with customers, internal stakeholders, and onshore teams for dispute resolution.
• Ensured SLA adherence, and updated desk/process documentation as required.
• Conducted complex data analysis across ordering, provisioning, and billing to determine corrective actions.
• Executed accurate order initiation and billing corrections.