Marcell J. Gabriel
Los Angeles
Summary
Accomplished credit management professional skilled in financial analysis and risk mitigation. Equipped with extensive experience in overseeing collections teams, analyzing data to drive decisions, and enhancing cash recovery strategies. Dedicated to fostering relationships that balance risk management with customer trust.
Overview
10
10
years of professional experience
Work History
RISK MGMT REP. I
INTUIT, Inc
04.2024 - 07.2026
- Reviewed high-risk merchants and transactions to identify fraud patterns, escalating complex cases per policy and SLA requirements.
- Investigated transactional fraud, chargebacks, and anomalous account activity using established risk models and internal tools to prevent financial loss and customer impact.
- Handled sensitive risk-related conversations with empathy and clarity, balancing fraud prevention with maintaining customer trust.
- Advocated for customers by clearly and professionally explaining risk decisions, ensuring quality-driven service.
- Met or exceeded performance metrics for quality, productivity, and adherence in a high-volume contact center environment.
Credit/Collections Officer III (temp.)
Pyramid Consulting, Inc (Intuit)
11.2023 - 04.2024
- Contacted clients with overdue merchant accounts to negotiate payment options, improving recovery rates.
- Collected payments from delinquent clients to mitigate company losses.
- Initiated debt collection actions by establishing clear payment terms, enhancing cash flow.
- Negotiated payment plans based on budget information provided by clients and calculated the amount a client can afford to pay each month based on that budget.
- Analyzed account histories to identify recurring issues and proactively arranged payments or settlements.
Sr. Credit Analyst (temp.)
Vaco Staffing Agency (Red Bull, Inc.)
10.2021 - 02.2023
- Processed credit applications for new accounts establishing credit and existing customers seeking credit limit increases, ensuring timely decisions.
- Authorized to set a credit limit of up to $10 million and set payment terms.
- Assessed contracts and verified revenue for compliance with company standards, contributing to risk management.
- Generated New Accounts report and uploaded into Encompass database, setting tax codes, delivery routes, and chain pricing to streamline account management.
- Participated in cross-training across all Master Data team functions.
Credit Risk Analyst (temp.)
Ateeca, inc. (Cadence Design System)
09.2020 - 05.2021
- Administered global trade credit risk evaluation process to enhance risk identification and mitigation.
- Authorized to approve orders up to $1 million.
- Assessed contract terms to ensure alignment with company policy. and revenue verification.
- Updated vendor accounts to ensure adherence to Cadence credit policy and maintain SOX compliance.
Credit & Collection Manager
PCM, INC.
12.2016 - 12.2019
- Established the collection team’s monthly cash forecast, focusing on increasing cash flow and reducing receivables.
- Developed and implemented strategies that led to increased successful collections on outstanding debt.
- Coordinated activities for three credit and collections specialists in the U.S. and twelve collectors in Manila to enhance collection efficiency and reduce past-due invoices.
- Supervised 50,000+ accounts in our Cost-Pointe, Enterprise, and MACS divisions.
- Processed credit applications for prospective customers and vendors, approved accounts, and assigned limits up to $500K while recommending higher limits to upper management.
- Ensured accuracy of revenue recognition by reviewing contracts set up, booking, and billings.
- Ran reports and analyzed data about the department's performance and shared findings with the executive and department staff managers.
- Recruited, hired, trained, and evaluated staff members within the collections department to ensure workload is managed properly.
Order Release Supervisor
PCM, INC.
- Led team of twelve order release analysts and reps. in Manila to ensure timely order processing.
- Generated and analyzed credit hold reports to facilitate prompt shipment releases.
- Validated orders were booked according to purchase orders and contracts to prevent any fraudulent activity.
- Compiled ad hoc reports for payment analysis, order release, and revenue recognition to support decision-making.
- Conducted training sessions for all collection representatives to support their monthly collection goals.
Credit & Collection Supervisor
Belkin, Inc.
Playa Vista
Accounts Receivable Specialist
j2 Global Communications
Los Angeles
Senior Credit & Collection Analyst
Belkin, Inc.
Compton
Education
Bachelor of Science - Business Administration
Southern New Hampshire University
02-2021
Associate of Science - Business Administration
Southern New Hampshire University
04-2018
Skills
- Risk assessment
- Credit analysis
- Financial analysis
- Debt recovery strategy
- Risk modeling
- Excel
- Pivot tables
- VLOOKUP
- Data visualization
- Analytical thinking
- Negotiation
- Problem resolution
- Relationship building
Timeline
RISK MGMT REP. I
INTUIT, Inc
04.2024 - 07.2026
Credit/Collections Officer III (temp.)
Pyramid Consulting, Inc (Intuit)
11.2023 - 04.2024
Sr. Credit Analyst (temp.)
Vaco Staffing Agency (Red Bull, Inc.)
10.2021 - 02.2023
Credit Risk Analyst (temp.)
Ateeca, inc. (Cadence Design System)
09.2020 - 05.2021
Credit & Collection Manager
PCM, INC.
12.2016 - 12.2019
Senior Credit & Collection Analyst
Belkin, Inc.
Accounts Receivable Specialist
j2 Global Communications
Credit & Collection Supervisor
Belkin, Inc.
Order Release Supervisor
PCM, INC.
Bachelor of Science - Business Administration
Southern New Hampshire University
Associate of Science - Business Administration
Southern New Hampshire University