JOYCE SALINAS
Celina
Summary
Senior Credit and Collections Analyst with more than 10 years of experience in credit analysis, risk assessment, accounts receivable, collections, financial documentation review, and SAP. Skilled in improving DSO, reducing delinquency, optimizing credit processes, and supporting commercial teams with data-driven insights. Expertise in corporate and consumer credit, financial statements, reconciliations, and credit policy enforcement.
Overview
15
15
years of professional experience
Work History
Senior Credit & Collections Analyst
Innovation Business Ltda
01.2010 - 11.2024
- Clients: Syngenta, Tradecorp, Kimberly-Clark
- Conduct financial analysis for individuals and corporations, strengthening credit decisions and improving risk management.
- Support the commercial team with credit evaluations, portfolio monitoring, limit adjustments, and risk assessments using KPI dashboards.
- Improve accounts receivable performance through early delinquency detection and preventive collection strategies.
- Conduct payment negotiations that increase overdue debt recovery and reduce aging buckets.
- Prepare cash flow and receivables forecasts to support financial planning and reporting accuracy.
- Execute bank reconciliations and ensure precise posting of payments and credits.
- Manage and validate credit guarantees including Bank Guarantees, CPR, Pledge, Mortgage, Fiduciary Alienation, and Barter.
- Coordinate order release with sales and management to resolve credit blocks and support revenue flow.
- Provide training and support to team members on credit and collection processes.
- Supported credit evaluations and customer onboarding processes, reducing turnaround time for new accounts.
Collections Associate
Innovation Business Ltda
01.2010 - 11.2024
- Managed collections for consumer and business accounts aged 90+ days.
- Improved recovery rates for major clients including Ticket, Day Brasil, Luxottica, and Chocolates Garoto.
Education
Bachelor's Degree - Financial Management
Centro Universitário Ítalo Brasileiro (UniÍtalo)
06.2014
Skills
- Accounts Receivable
- Bank Reconciliation
- Collections
- Credit Analysis
- Credit Guarantees
- Credit Limit Evaluation
- Credit Portfolio Management
- Credit Risk Assessment
- Customer Relationship Management
- Delinquency Reduction
- Financial Statement Review
- Forecasting
- KPI Reporting
- Negotiation
- Process Improvement
- SAP
Websites
Skills
Accounts Receivable, Bank Reconciliation, Collections, Credit Analysis, Credit Guarantees (Bank Guarantee, CPR, Pledge, Mortgage, Fiduciary Alienation, Barter), Credit Limit Evaluation, Credit Portfolio Management, Credit Risk Assessment, Customer Relationship Management, Delinquency Reduction, Financial Statement Review (Balance Sheet, Income Statement, Cash Flow), Forecasting, KPI Reporting, Negotiation, Process Improvement, SAP, proficient, native speaker, highly proficient
Personal Information
Title: Finantial analyst
Languages
Spanish
Native or Bilingual
English
Professional Working
Portuguese
Native or Bilingual
Timeline
Senior Credit & Collections Analyst
Innovation Business Ltda
01.2010 - 11.2024
Collections Associate
Innovation Business Ltda
01.2010 - 11.2024
Bachelor's Degree - Financial Management
Centro Universitário Ítalo Brasileiro (UniÍtalo)