JOEL SMITH, MBA
Spanish Fork,UT
Summary
Dynamic finance leader with extensive experience at Workday, Inc., driving efficiency in credit and risk operations. As an expert in credit scoring and risk analysis, I developed innovative cash forecasting models and led cross-functional teams. Proven ability to mentor and enhance processes, ensuring compliance and operational excellence in fast-paced environments.
Overview
16
16
years of professional experience
Work History
Global Credit Lead / Principal
Workday, Inc.
Salt Lake City, Utah
10.2023 - Current
- Drove efficiency in Workday's credit and risk operations, focusing on advanced collections and cash forecasting.
- Developed an AR cash forecasting model leveraging credit data and AI technologies.
- Integrated external credit data into Workday's financial system, enhancing risk management and collections processes.
- Served as primary subject matter expert for Finance Operations, ensuring best practices and compliance.
- Owned SOX controls for three key AR processes, supporting internal and external audits.
Senior Manager, Billing & Accounts Receivable
EverCommerce
03.2023 - 10.2023
- Oversaw team of six billing specialists, ensuring efficiency in order to cash process.
- Collaborated with senior leadership to implement policies and processes in dynamic environments.
- Identified and addressed process gaps in order to cash cycle, coordinating with IT for solutions.
- Managed collections for all outstanding accounts receivable in Security & Alarm and digital marketing sectors.
- Directed third-party collections efforts and managed customer terminations effectively.
Manager, Global Credit & Risk Operations
Workday, Inc.
04.2020 - 02.2023
- Developed global credit scoring methodology to identify business risks, driving revised bad debt reserve process.
- Managed Bad Debt Reserve process and led cross-functional team for policy adherence and SOX compliance.
- Co-authored Bankruptcy Policy and managed bankrupt customers, ensuring compliance with legal processes.
- Collaborated with Collections Management Team for customer terminations, offboarding, and outsourcing to collection agency.
- Oversaw relationship with third-party collection agency and conducted periodic performance reviews.
- Reviewed and refined order-to-cash policies to ensure scalability during company growth.
- Established relationships with key stakeholders to enhance credit function effectiveness.
- Led Credit Team as founding member, creating foundational processes and policies for operational success.
Corp. Credit & Shared Services Manager
Bonneville International
10.2016 - 04.2020
- Centralized six media markets into a shared service center, overseeing order-to-cash functions with a team of over 10 in SLC.
- Optimized finance operations through the implementation of new systems and processes.
- Established a new credit policy to enhance cash management and streamline month-end close operations.
- Managed transactional banking relationships while overseeing the Credit and Collections team and cash forecasting for all markets.
Cash & Credit Manager
Dyno Nobel, Inc.
09.2011 - 10.2016
- Managed collections team responsible for over $150 million in open accounts receivable across multiple countries.
- Oversaw reduction in delinquency levels and enhancement of working capital.
- Directed transactional banking relationships to ensure operational efficiency across regions.
- Led implementation of banking system in Latin America, improving corporate functionality and compliance.
Credit Manager
Adobe Systems, Inc.
10.2009 - 09.2011
- Assisted in development of new credit risk strategies within SAP FSCM module, this also included the development of credit scoring.
- Managed a large team of credit professionals and ensured adherence to credit policy while meeting and exceeding collections and risk objectives.
- Strategic planning with Finance Management team to ensure processes were efficient and in line with overall company objectives.
- Extensive work with cross-functional teams (sales, legal, customer support) to ensure sales objectives were met while in adherence to the company credit policy.
Education
MBA - Business Administration And Management
Brigham Young University
Provo, UT04-2021
Skills
- Collections Management
- Budgeting and forecasting
- Financial reporting
- Microsoft Office expertise
- Expense management
- Financial statement analysis
- Data interpretation
- Analytical and organizational skills
- Mentoring and leadership
- Credit scoring and risk analysis
- Project management
- SAP, Oracle, Workday
Activities
- Spending time with my family is my greatest passion and I enjoy spending time with them outdoors.
- Learned to fly airplanes and love history.
- Fluent in Spanish after living abroad in Argentina and frequent business travel to South America.
- Volunteer work with local charities and my local church.
Timeline
Global Credit Lead / Principal
Workday, Inc.
10.2023 - Current
Senior Manager, Billing & Accounts Receivable
EverCommerce
03.2023 - 10.2023
Manager, Global Credit & Risk Operations
Workday, Inc.
04.2020 - 02.2023
Corp. Credit & Shared Services Manager
Bonneville International
10.2016 - 04.2020
Cash & Credit Manager
Dyno Nobel, Inc.
09.2011 - 10.2016
Credit Manager
Adobe Systems, Inc.
10.2009 - 09.2011
MBA - Business Administration And Management
Brigham Young University