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Location

Poland

Rate

$18  / per hour

Years of experience

10+

About

With a strong foundation in credit risk analysis and accounts receivable management, I have developed extensive experience in the OTC process, credit control, and collection. My career has been characterized by meticulous attention to detail, proactive problem-solving, and maintaining robust business relationships with clients. I have consistently taken on responsibilities that include conducting customer risk assessments, managing credit limits, and resolving complex accounts receivable issues. My roles have allowed me to work closely with sales and financial teams, implement process improvements, and ensure compliance with company policies. Throughout my career, I have contributed to various organizations by taking on key roles in credit management and risk assessment, from transferring AR and collection processes internationally to creating and implementing standard operating procedures in credit management. I pride myself on my ability to analyze financial data, assess creditworthiness, and manage customer credit risks efficiently. My experience spans several industries, where I have consistently driven improvements in credit processes, enhanced customer relations, and supported organizational goals through my expertise in credit control and collection.

Tech Stack

Accounting, Finance

Experience

  • \Regularly evaluating the creditworthiness of both prospective and existing customers, ensuring accurate assessments of financial stability and credit exposure.
  • Overseeing the review and adjustment of customer credit limits, ensuring compliance with company policies and maintaining accurate credit data in systems like SAP.
  • Responsible for verifying and releasing blocked orders based on Standard Operating Procedures (SOPs) and sound judgment, while also managing escalations related to order releases.
  • Following up on aged accounts receivable, collaborating with Collection and Sales teams, and ensuring timely resolution of claims and deductions.
  • Identifying areas for improvement within credit management and OTC processes, and successfully implementing new solutions to enhance efficiency and effectiveness.
  • Establishing and maintaining strong business relationships with key internal and external stakeholders, including insurers, financial management, and sales teams.
  • Executing credit collection processes, including contacting customers by phone and email, preparing reconciliation schedules, and clearing overdue balances to ensure the company's financial health.

Employment history

Credit Analyst, Sylvamo July 2023 - Present
  • Conducting customer risk assessment and determining creditworthiness of prospects and existing customers.
  • Releasing order blocks in line with company rules and based on sound judgment.
  • Following up on aged accounts receivable items with Collection and Sales Teams.
  • Assisting with the resolution of claims and deductions.
  • Analyzing and following up on delinquent account balances.
  • Liaising with insurers to safeguard a high portfolio coverage.
  • Establishing excellent business relationships with key internal and external stakeholders.
  • Providing ad-hoc support to Financial and Sales management.
Credit Specialist, Ecolab September 2022 - June 2023
  • Verification of blocked orders and releasing orders based on SOPs and proper approvals.
  • Reviewing Customer Credit Limits based on SOPs and company policy, and updating them in the system.
  • Maintaining customer credit data in SAP.
  • Daily reporting of blocked orders to local finance teams.
  • Identifying areas for improvement in the process and implementing new solutions.
Credit Risk Specialist, ES-SYSTEM sp. z o.o. July 2022 - August 2022
  • Worked closely with regional managers within the Polish market.
  • Verification of blocked orders and releasing orders in line with company policies.
  • Reviewed and updated Customer Credit Limits based on company policies.
OTC Credit Administration Analyst, Aptiv November 2020 - August 2022
  • Took over Credit Management process for the Krakow-based office.
  • Implemented the process, creating Standard Operating Procedures (SOPs).
  • Assessed new customer credit risk in line with agreed procedures.
  • Managed new Credit Limit requests and extension requests.
  • Reviewed new orders exceeding approved credit limits and managed escalations.
  • Analyzed companies for financial credibility and liquidity.
  • Participated in identifying and implementing process improvements.
Credit Analyst, PerkinElmer Shared Services sp. z o.o. February 2019 - October 2020
  • Analyzed companies’ financial liquidity, stability, and credit limits.
  • Conducted credit reviews of prospective and existing customers by verifying their financial status.
  • Reviewed and approved orders for established customers whose credit balance exceeded their limits.
  • Increased credit limits based on financial analysis.
  • Reported on orders being on hold using international financial reports like D&B and Credit Risk Monitor.
Credit Control and Collection - Experienced Accountant in Accounts Receivable, Getinge August 2017 - December 2018
  • Transferred AR and Collection process from the UK to Poland during a 2-month transition period.
  • Resolved queries on accounts and collected funds.
  • Contacted customers via email and phone to collect overdue balances.
  • Processed card payments and cleared overdue balances.
Credit Controller, Capita Property and Infrastructure October 2013 - July 2017
  • Managed credit collections on all accounts by contacting customers via phone and email.
  • Prepared and maintained customers’ monthly reconciliation schedules.
  • Prepared reports and chased outstanding payments.
  • Updated systems according to credit collection activities.
Credit and Collection Analyst/Account Technician, Capgemini August 2011 - September 2013
  • Pursued payment through collection correspondence, delinquent statements, and phone calls.
  • Worked closely with other departments to determine the current status of accounts.
  • Chased outstanding payments and allocated funds.
  • Cleared accounts and performed reconciliations.
Customer Service Representative, Tesco International Sourcing December 2007 - July 2011
  • Provided customer service and handled customer complaints.
  • Cashed up and prepared orders for delivery.
  • Supported selling assistants in day-to-day operations.
Cultural Event Organizer, Culture Centre and Art House Cinema June 2004 - September 2006
  • Organized film reviews and modern art exhibitions.
  • Wrote film reviews published in a local newspaper.
Tour Guide, Auschwitz – Birkenau Museum June 2006 - August 2006
  • Guided large Norwegian and British groups around the museum.
Event Organizer, Institute of Art April 2005 - May 2005
  • Organized the 9th International Contemporary Chamber Music Competition in Krakow.

Education history

Jagiellonian University 1998 - 2003 Master's Degree, Cultural Animation / Cultural EventOrganizing
Jagiellonian University 1996 - 1998 History
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