Reena Joseph
Toronto,Canada
Summary
Accounts receivable, credit and collections professional with extensive experience in receivables management, commercial credit, collections, payment resolution, account reconciliation, aging analysis, billing resolution and customer account administration. Experienced in managing outstanding accounts, communicating with customers regarding overdue balances, negotiating payment arrangements, reviewing creditworthiness, monitoring credit exposure, reconciling accounts and resolving billing discrepancies.
Overview
14
14
years of professional experience
Work History
Bookkeeper / Accounts Receivable
Vendo Media
04.2024 - Current
- Manage accounts receivable activities, payment follow-up, reconciliation and customer account maintenance.
- Monitor aging reports and follow up on outstanding balances.
- Investigate and resolve billing discrepancies in coordination with internal teams.
- Support bookkeeping, payment processing and maintenance of customer account records.
- Facilitate communication between clients and internal teams to resolve billing concerns.
Accounts Receivable Administrator
Peninsula Canada
01.2020 - 01.2022
- Processed electronic payments and maintained accurate customer account information.
- Assisted customers with payment concerns and coordinated payment arrangements.
- Supported daily accounts receivable activities, account balancing and reconciliation.
- Worked with internal teams to investigate and resolve account discrepancies.
Credit & Collections Coordinator
Umbra Ltd.
02.2020 - 03.2020
- Analyzed new customer accounts and assessed creditworthiness using financial information, credit reports and trade references.
- Maintained customer credit limits, terms and account information.
- Reviewed customer orders that were past due or exceeded established credit limits.
- Reconciled customer accounts and investigated deductions and discrepancies.
- Monitored customer accounts against assigned credit limits and adjusted limits as appropriate.
- Reported delinquent accounts and assisted with resolving customer issues.
- Contacted customers regarding overdue balances and negotiated payment arrangements when accounts did not meet agreed terms.
- Referred delinquent accounts to a collection agency when payment was not received.
- Processed customer payments.
Credit / Accounts Receivable Administrator
Bell Media
04.2017 - 11.2019
- Managed credit and accounts receivable activities in a high-volume advertising environment.
- Provided business credit references based on customer payment history.
- Reviewed customer credit history in connection with contract approval.
- Maintained accurate customer billing and accounts payable contact information.
- Established payment schedules and followed up when scheduled payments were unsuccessful.
- Worked directly with management to reconcile customer accounts.
- Performed routine customer follow-up and payment reminders to support timely collection of receivables.
- Investigated and resolved customer billing inquiries and account discrepancies.
- Maintained accounts receivable tracking records with a focus on reducing arrears.
- Reviewed aging, delinquency and open-status reports and followed up on outstanding matters.
- Recommended customer credit limits using credit information from D&B and Equifax.
- Generated invoices and payment receipts.
Business Administrator / Accounts Receivable
The Magic Bus Company / City Sightseeing Toronto
01.2016 - 01.2017
- Created customer invoices and confirmed contractual information with clients.
- Processed credit card and cheque payments and refunds.
- Contacted past-due customers and negotiated payment arrangements.
- Responded to customer account inquiries by telephone and email.
Reservation Agent
The Travel Corporation / Trafalgar
01.2015 - 01.2016
- Managed customer reservations and related account information.
- Generated confirmations and invoices.
- Processed customer payments and refunds.
- Communicated with customers regarding applicable terms and conditions.
Call Centre Representative – Accounts Receivable
Total Credit Recovery
01.2013 - 01.2014
- Worked with customers to resolve outstanding payment matters and negotiate appropriate payment arrangements.
- Reviewed customer circumstances, including financial hardship, and assisted with available payment-plan options.
- Explained applicable company policies and procedures to customers.
- Trained new employees on internal procedures and technical processes.
Education
Collections Certificate -
Total Credit Recovery
Toronto01-2013
Business Administration Diploma -
Everest College
Toronto01-2010
Skills
- SAP
- Xero
- QuickBooks
- Salesforce CRM
- Microsoft Dynamics
- Microsoft Excel
- Microsoft Outlook
- Stripe
- Moneris
Core Experience
- Accounts Receivable Management
- Credit & Collections
- Aging & Delinquency Management
- Payment Follow-Up & Resolution
- Payment Arrangement Negotiation
- Commercial Credit Assessment
- Credit Limits & Customer Exposure
- Account Reconciliation
- Billing Dispute Resolution
- Receivables Reporting
- Customer Account Administration
- Financial Record Maintenance
- Customer Communication
- Staff Training
Systems
- SAP
- Xero
- QuickBooks
- Salesforce CRM
- Microsoft Dynamics
- Microsoft Excel
- Microsoft Outlook
- Stripe
- Moneris
Timeline
Bookkeeper / Accounts Receivable
Vendo Media
04.2024 - Current
Credit & Collections Coordinator
Umbra Ltd.
02.2020 - 03.2020
Accounts Receivable Administrator
Peninsula Canada
01.2020 - 01.2022
Credit / Accounts Receivable Administrator
Bell Media
04.2017 - 11.2019
Business Administrator / Accounts Receivable
The Magic Bus Company / City Sightseeing Toronto
01.2016 - 01.2017
Reservation Agent
The Travel Corporation / Trafalgar
01.2015 - 01.2016
Call Centre Representative – Accounts Receivable
Total Credit Recovery
01.2013 - 01.2014
Collections Certificate -
Total Credit Recovery
Business Administration Diploma -
Everest College