Carlos Rivera
Sr. Credit and Collection Analyst
BRONX,NY
Summary
Experienced with debt recovery techniques and account management. Utilizes negotiation skills to resolve outstanding balances and maintain client relationships. Knowledge of regulatory compliance and effective collection strategies.
Overview
50
50
years of professional experience
Work History
Sr. ChargeBack Collection Specialist
GameChange Solar
10.2023 - 03.2025
- Create Case/Chargeback from information provided by the project managers, logistics, and the commodity team.
- Contact vendors and specific vessels regarding the chargeback via email, telephone, or teams calls with respect to (Shortages, Missing Merchandise, Damaged Merchandise, and or Materials not properly loaded, by creating shipping load violations).
- Contact vendors accounting department, or authorized person to approve remittance, and or credit memo to offset any future bills on their account.
- Providing reports on cases/chargebacks worked for management review, and disputed cases.
- Submitting claims to the insurance companies for damages, and accidents caused in the shipping process.
- Having monthly and weekly meetings with supervisor regarding disputes and any updates on all cases being recovered.
- Prepared detailed monthly reports for management, supporting informed decision-making.
- Prepared monthly report on total dollars recovered.
- Assisting accounting manager and his team on how to post credit memos and payments against chargeback cases, or towards the vendors/clients account.
- Implemented collection strategies to optimize recovery rates and reduce outstanding debts, by implementing effective communication strategies with best approach on disputed case for an amicable settlement, and to preserve the business relationship.
- Contacted vendors regularly to negotiate payment plans and reduce overdue payments.
- Collaborated with team members provide supporting documents, pictures, and any other reports regarding the recovery of the chargeback.
- Coordinated with legal teams to initiate recovery actions, and requesting legal review and signature on letter of settlement
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Negotiated payment plans with customers, prioritizing account resolution and maintaining professionalism throughout interactions.
- Monitored weekly aging reports to proactively initiate collection efforts on past-due accounts to minimize losses.
Credit/Collection Analyst Specialist
The Chefs Warehouse
11.2015 - 09.2023
- Evaluated customers'' creditworthiness using financial statements and industry data to make informed lending decisions that minimized risk exposure.
- Mitigated potential losses by closely monitoring aging reports and promptly addressing overdue accounts.
- Maintained compliance with all applicable laws and regulations pertaining to debt collection activities, safeguarding company reputation and client trust.
- Identified opportunities for process improvement within the credit collections department, resulting in increased productivity and effectiveness.
- Supported cash flow objectives by consistently meeting debt collection targets through effective strategy implementation.
- Leveraged negotiation skills to reach mutually beneficial resolutions with customers regarding aged receivables management issues.
- Developed customized payment plans for clients experiencing financial difficulties, fostering goodwill and facilitating timely repayments.
- Authorized to block any purchases made on delinquent account(s).
- Conducted regular account reconciliations to ensure accuracy of financial data, identifying discrepancies and resolving issues in a timely manner.
- Provided guidance on best practices in credit control procedures for both internal teams and external partners involved in billing processes.
- Utilized various software programs to track account activity, generate reports, and analyze trends that contributed to improved collection efforts.
- Streamlined the collections process for quicker payment recovery, utilizing effective negotiation techniques.
- Collaborated with sales teams to improve credit risk assessment, contributing to overall business growth.
- Conducted research on clients'' financial history, enabling informed decisions on granting credit extensions or adjustments.
- Reduced delinquency rates by establishing strong customer relationships through clear communication and timely followups.
- Reviewed D&B and personal credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Made decisions and recommendations about extending lines of credit.
- Contacted customers to discuss past-due accounts and negotiated payment plans.
- Prepared weekly sales meeting to discuss their customers account(s), to reduce their DSO, and any possible high risk.
- Responsible to deposit checks received via USPS.
Credit & Collection Specialist/Metropolitan Engine Support Specialist
Cummins Power Systems, LLC
10.2013 - 11.2015
- Responsible for performing evaluation and establishing credit limits on new accounts.
- Collecting outstanding receivables and enforcing payment terms.
- Facilitated the resolution of discrepancies’ with the customer and sales department.
- Reviewing daily transactions with the sales department with respect to improving collections and the reinforcement of credit and collection policies of the company
- Familiarity with Tax Credit Compliance, and Tax Except
- Responsible for providing support to the metropolitan engine sales team, by identifying potential failures by studying current failures from reports provided by the engine department.
- Responsible for identifying and evaluating additional needs and opportunities for marketing purposes for the sales department director.
- Initiating sales process by building relationships; qualifying potential sales, and scheduling appointments for the sales director.
- Developing sales by providing initial presentation, by explaining products and services for the enhancement of additional products and services to new and old customers.
- Responsible for handling and creating expo shows and events to display the company's engine product and services.
- Contributing information to sales strategies by evaluating current products results, identifying the needs to fill; monitoring concerns, and preparing final report of services performed for the customer.
- Acted as liaison between support team and other departments to ensure unified approach to customer satisfaction.
Credit/Collection Analyst
Ford Models, Inc.
05.2013 - 10.2013
- Responsible for analyzing corporate and commercial media accounts; credit monitoring for possible high-risk accounts while collecting on invoices due to talent models regarding modeling shoots; hair shoot and makeup jobs
- Responsible for reporting assessments on accounts to management and CFO
- Responsible for reconciling accounts, disputes, billing issues, and travel and hotel payments for all talent models
- Responsible for processing payments dealt with marketing companies and talent jobs, by interacting with bookers, editorial and or casting directors, to effectively recover the debt due to the model(s)
Credit/Collection Analyst
Prometheus Global Media
06.2012 - 05.2013
- Analyzed commercial media accounts, credit monitoring on high-risk accounts, and reporting the assessment to management
- Resolving billing issues; reconciling accounts; processed payments
- Reviewing market trends, and effective correspondence with clients, sales representatives, GFD’s, and other executive management, and media clients
Legal Collector
Mitchell N. Kay, Esq.
09.2009 - 05.2012
- Collected commercial; consumer, and retail accounts, which were referred to the legal department for the processing of legal action
- Responsible for contacting said debtor and advising them that their account is in an attorney’s office for the possibility of legal action, and if they would like to resolve said matter amicably
- Followed up with the employer with their accounts payable department regarding garnishment upon debtor’s wages
- Responsible for communicating with City Marshals and Sheriff’s department for any status report regarding garnishment, and or restraining orders on bank accounts
Credit/Collection Manager
Momeni, Inc.
11.2003 - 09.2009
- Developed tailored repayment plans for clients facing financial hardship, enabling successful account resolution while preserving positive business relationships.
- Maintained accurate records of all collection activities, ensuring timely reporting to management.
- Reduced delinquency rates through consistent monitoring and follow-up on overdue accounts.
- Collaborated with sales and finance teams to ensure proper credit extension and minimize risk exposure.
- Facilitated open communication channels between various departments involved in the credit process, promoting a collaborative approach towards managing accounts receivable effectively.
- Supervised six customer service representatives.
Debit Collector
Bilateral Credit Corp.
11.2001 - 10.2003
- Collected on delinquent accounts to reduce overdue balances.
- Resolved customer disputes and disagreements through professional, calm communication to find mutually beneficial solutions.
- Educated debtors about repayment options, enabling them to make informed decisions while preserving positive business relationships.
- Utilized various skip tracing tools effectively locating hard-to-find debtors, increasing opportunities for successful collections.
- Exceeded performance targets for successful debt recoveries, contributing to company''s overall financial stability.
Accounts Receivable Coordinator
Unitex Textile Rental, Inc.
09.1996 - 08.2001
- Improved invoice accuracy by thoroughly reviewing billing data before issuing final statements.
- Expedited payment collection with timely submission of invoices and proactive communication with clients.
- Strengthened relationships with key clients by providing exceptional service in addressing inquiries regarding account balances or payment issues.
- Supported month-end closing procedures by reconciling accounts receivable ledgers and preparing aging reports for management review.
- Conducted regular audits of customer accounts to ensure accuracy, identifying potential errors or inconsistencies for correction.
- Prepared bills receivable, invoices, and bank deposits, as I was authorized to make on the company's behalf.
Credit Analyst
Brooks Brothers, Inc.
09.1991 - 06.1996
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
Credit Analyst
American Express
09.1980 - 07.1991
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
- Collaborated with cross-functional teams for comprehensive client assessments, supporting informed decisionmaking.
Legal Collector
Mitchell N. Kay, Esq.
07.1975 - 08.1980
- Demonstrated exceptional attention to detail in preparing and reviewing legal documentation, minimizing the potential for errors and delays in case resolution.
- Implemented effective time-management strategies to handle multiple competing priorities without compromising results or quality of work.
- Collaborated closely with attorneys on complex cases, contributing valuable insights gained from extensive industry experience.
- Utilized advanced negotiation tactics to persuade debtors to make payments or settle accounts amicably.
- Reviewed contracts thoroughly before initiating collections activities to ensure understanding of terms and conditions applicable to each unique situation.
- Resolved disputes professionally and diplomatically, protecting the company''s reputation while maximizing recoveries.
Education
Bachelor of Science - Clinical Psychology
Bronx Community College
Bronx, NY06-1986
Skills
- HyperSnap
- Notes 2013
- Access 2012
- Oracle
- JED
- Microsoft Dynamics/Great Plains
- Master Builder
- Aging Report
- GP Excel
- MS Word
- NMI Payment Processing System
- Quick Sever
- CSP Reporting
- Shorttel Communication System
- IBM Same Time
- D&B Reporting
- Personal Credit Reporting and Review
- Power Point
- A/S 400
- Microsoft Outlook
- Texting System
- Engine Error Coding Analyst
- Collections management
- Account reconciliation
- Payment negotiation
- Customer communication
- Dispute resolution
- Collections strategy
- Delinquency management
- Payment plans
- Customer interaction
- Problem solving
- Financial analysis
- Time management
- Record keeping
- Team collaboration
- Goal setting
- Professionalism
- Confidentiality
- Multitasking
- Follow up
- NetSuite
- Microsoft 365
- Teams
- Excel
Accomplishments
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Collaborated with team of 100 in the development of several projects.
- Documented and resolved disputed chargebacks which led to settlement.
Affiliations
- Committee Member of The Bronx Community College Automotive Class
Languages
Spanish
Native or Bilingual
Timeline
Sr. ChargeBack Collection Specialist
GameChange Solar
10.2023 - 03.2025
Credit/Collection Analyst Specialist
The Chefs Warehouse
11.2015 - 09.2023
Credit & Collection Specialist/Metropolitan Engine Support Specialist
Cummins Power Systems, LLC
10.2013 - 11.2015
Credit/Collection Analyst
Ford Models, Inc.
05.2013 - 10.2013
Credit/Collection Analyst
Prometheus Global Media
06.2012 - 05.2013
Legal Collector
Mitchell N. Kay, Esq.
09.2009 - 05.2012
Credit/Collection Manager
Momeni, Inc.
11.2003 - 09.2009
Debit Collector
Bilateral Credit Corp.
11.2001 - 10.2003
Accounts Receivable Coordinator
Unitex Textile Rental, Inc.
09.1996 - 08.2001
Credit Analyst
Brooks Brothers, Inc.
09.1991 - 06.1996
Credit Analyst
American Express
09.1980 - 07.1991
Legal Collector
Mitchell N. Kay, Esq.
07.1975 - 08.1980
Bachelor of Science - Clinical Psychology
Bronx Community College
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