Accounts Receivable SPOC| B2B Credit Analysis| Aging and Deduction Management | MS Office suite
Overview
12
12
years of professional experience
Work History
Credit Analyst (Accounts Receivables)
NOVOLEX Inc
Edmonton, AB
06.2022 - Current
Led a team responsible for managing the total Accounts Receivables function, ensuring receivables consistently met and exceeded forecast for 6 months and beyond.
Developed strategies to manage delinquent accounts and reduce overall portfolio risks.
Performed due diligence on new applicants by verifying income, assets and liabilities through sources like sources like D&B and Equifax.
Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
Provided training sessions for new staff members on credit analysis techniques.
Conducted credit reviews on corporations to assess financial conditions.
Pricing Analyst
NOVOLEX Inc
Montreal, QC
09.2021 - 06.2022
Conducted margin analysis and cost optimization to inform pricing decisions, aligning pricing strategies with market and competitor intelligence.
Identified and analyzed pricing trends to inform strategic decisions.
Created pricing models to evaluate potential customer segments.
Developed and maintained databases of competitor prices.
Collaborated with sales team to develop pricing strategies for new products.
Analyzed customer requirements to ensure competitive and profitable pricing structures.
Monitored market conditions, industry trends, and customer feedback to determine pricing levels.
Provided recommendations for price adjustments based on data analysis findings.
Researched competitors' prices, services, and promotions regularly.
Analyzed pricing and sales for business products.
Conducted research into current trends within marketplace, which helped establish pricing for organization's products and services.
Pricing Analyst
Chronometriq Inc
Montreal, QC
03.2020 - 02.2021
Conducted extensive secondary research on competitor pricing, providing insights to maximize profit margins.
Monitored market conditions, industry trends, and customer feedback to determine pricing levels.
Assisted in preparing presentations regarding proposed price changes or strategies.
Performed cost and benefit analyses for various scenarios involving different prices or discounts.
Researched competitors' prices, services, and promotions regularly.
Drafted proposals outlining suggested changes in price structure or discounts.
Senior Pricing Analyst
Cognizant Technology Solutions
06.2015 - 10.2019
Leveraged data analysis, secondary market research, and competitor analysis to maintain pricing integrity and margins.
Analyzed pricing trends and competitive market conditions to develop pricing strategies.
Monitored performance metrics such as revenue growth, profitability margins, and customer satisfaction levels associated with different pricing strategies.
Researched industry best practices and trends in order to stay up-to-date on relevant developments.
Maintained databases containing up-to-date information about competitors' prices and performance metrics.
Participated in strategic planning meetings with senior management team members in order to discuss long-term objectives.
Pricing Operations & Reporting Analyst
VMware Inc
06.2010 - 06.2015
Managed pricing operations, including PRF (Price Request Form) management, multi-currency international pricing, and SKU management in internal systems.
Designed dashboards and visualizations to present strategic pricing data in a clear and concise manner.
Worked with cross-functional teams to develop strategies for improving overall process efficiency.
Monitored daily operations activities through various reporting tools such as Oracle Business Intelligence Enterprise Edition.
Synthesized current business intelligence or trend data to support recommendations for action.
Finance Analyst (Accounts Receivables)
Hewlett Packard
07.2008 - 05.2010
Managed monthly account statements and reconciliations for HPFS global customers, maintaining accurate invoicing and accounts.
Analyzed financial data to identify discrepancies and develop solutions.
Processed invoices, credit memos, and other documents related to accounts receivable.
Analyzed customer account information to identify discrepancies or trends in payment history.
Communicated regularly with vendors regarding invoice processing status updates.
Sent copies of invoices and statements to customers to facilitate payment of outstanding invoices.
Monitored accounts receivable report, checking for late, delinquent, or missing invoices and payments.
Education
Certification: Data Scientist in R Program -
01.2015
Master of Business Administration (Finance & Marketing) -
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.