Vinitha Mary R

I have 6 years of experience in AR - 02C, specializing in cash application, credit risk management, trade claims, and credit application. Seeking new opportunities in Billing and Collection. Embracing each day as an opportunity for continuous learning and personal growth.

• Improve the KPI and raise the auto hit rate, include the IBAN number in the string table. This will save 80 hours a year and reduce the overall time to 19.95 hours every quarter.
• Implemented Consolidation report for a month using RDB merge option in Excel and saved 170 hours annually
• Implemented V-lookup sheet for quality and productivity and saved 60 hours per annually

Credit management & credit application :-

• Analyzing Credit worthiness using “NCI, ASIC, DNBI” data as per Credit Applications received from the Customers on a daily basis.
• Analyzing credit data and financial statements to determine the degree of risk involved in extending credit or lending credit using D&BI report, Payment predictor to evaluate customers' financial Status
• Complete Credit applications, including credit analyses and summaries of Credit reports, business reports and submit for approval and preparing reports that include the degree of risk involved in extending credit or lending credit and ageing, DOA approval.
• Credit Management reviews customer credit limits in IRIS ECC and creates credit cases. These cases are used to track, evaluate, and make a credit decision when assigning credit limits to new and existing customer.
• 1. Risk Class - Based on scores, the Business Partner is assigned a risk class 2. External Rating – This is the rating provided to a Business Partner by external agencies (if applicable) 3. Credit segment is connected to Credit Control areas one-on-one It has the information that maximum amount a Business Partner can get.
• A Credit Case is a way to keep track of, evaluate, and make a credit decision about a customer. It is a central place for all the relevant information, such as status, score, risk class, credit limit, exposure, etc. Based on the credit limit suggested by the system, an analyst can propose a different credit limit. With the Credit Case, you can also store attachments and notes.
• New Customer, Periodic Credit Limit review, Credit Limit Credit Utilization, Ad hoc request from Sales / Customer for credit limit review and Adverse events / news requiring credit review

Cash application :-

• Daily bank reconciliation of AR Bank accounts as per Bank Statements or feban in sap and Posting & Allocating Cash receipts in different ERP's to the customer accounts based on Remittance.
• Complex reconciliation of payments without remittances as per open invoices (FIFO & LIFO methods)
• Handling queries and escalations received from clients and customer

Trade claims :-

• Classifying claims, working on AU, AZ in UNIPORM and processing rebate in SAP.
• Action all payment related emails received in Generic mailboxes.

• Six Sigma Certification
• Risk Management Certification
• Management Reporting
• White belt training certification

• Yoga
• Love to read the Bible
• Enjoy Badminton, Throwball, and Athletic activities

English, Kannada, Tamil and Telugu

· Rising Star Award

· Extra Miler Award

· 9 Cash Awards

· Continuous improvement in process

• Preparing and sending bank statements, daily broadcast and end-of-day reports, on daily basis to clients.
• Provide trade references to the customers on daily basis.
• Preparing monthly SLA reports and working closely with customers on payments and regular follow-ups
• Update DTPs on a regular basis and send it to Clients for review and sign off
• Update, review and maintain the Learnings record based on new learnings in the process
• Preparing the monthly reports, Ageing, AR, Block order report, EFA, Blackline, Credit - CLMD, Less than 100 (write off), String search (red dot), Unallocated cash report.