Perla Ramos Abragao
Long Valley
Summary
Results-driven Accounts Receivable professional with 15+ years of experience managing high-volume national retail accounts and leading A/R teams. Proven track record of reducing chargebacks, improving cash flow, and driving process improvements across major accounts including Amazon, Walmart, TJX, and Kohl’s. Advanced user of SAP and Excel with expertise in DSO reduction, deductions management, executive-level reporting, and rebate management. Strong leader focused on team accountability, process consistency, and cross-functional collaboration.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Accounts Receivable & Chargebacks Team Lead
Groupe SEB
Parsippany, NJ
05.2015 - Current
- Own and manage a $22M+ A/R portfolio across Amazon ($8M), Walmart ($7M), TJX ($3M), and Kohl’s ($4M), improving cash flow and reducing aged receivables.
- Lead and develop A/R team performance through weekly collection strategy meetings, ensuring accountability, follow-ups, and consistent progress across all accounts.
- Implement structured follow-up schedules and documentation standards, ensuring notes are maintained on all invoices and chargebacks to improve visibility, tracking, and resolution efficiency.
- Drive cross-functional collaboration with Sales, Warehouse, and Customer Service to resolve pricing, shortage, freight, and penalty-related deductions, reducing recurring disputes.
- Lead weekly performance and collections strategy meetings with A/R analysts, improving visibility into aging balances and accelerating cash recovery.
- Reduced Amazon chargebacks by 50% by implementing process improvements and strengthening coordination across internal teams.
- Partnered with Customer Service to improve Kohl’s account processes, reducing recurring deductions and dispute frequency.
- Collaborate with Credit Risk Manager to monitor account exposure and place customers on credit hold when thresholds are exceeded, mitigating risk.
- Lead monthly A/R reconciliation between SAP and cash application, ensuring accuracy of financial reporting and identifying discrepancies impacting cash flow.
- Prepare and analyze monthly bad debt reserve reports to support accurate allowance estimates, financial reporting, and risk visibility.
- Develop and present monthly Treasury reporting deck, highlighting DSO, deductions, chargebacks, and key performance trends for leadership visibility.
- Develop and analyze monthly deduction reports (pricing, shortages, freight, penalties), identifying trends, variances, and root causes to support business decisions and reduce recurring issues.
- Create and maintain detailed chargeback analysis and aging reports to improve visibility into past-due balances and collection performance.
- Analyze customer payment behavior and trends to improve collection strategies and reduce past-due balances.
- Reduced DSO by X days through improved collection strategies and structured follow-up processes.
- Improved cash flow by $X+ through effective deduction recovery and dispute resolution initiatives.
Accounting Clerk / Receptionist
Maxon Auto group
Union, NJ
01.2008 - 01.2014
- Supported A/R and A/P processes including invoice entry, cash application, and account reconciliation
- Assisted with billing inquiries and collections support
- Maintained financial records and supported month-end close
Education
Bachelor of Science - Business Administration
Kean University
Union, NJ05-2013
Skills
- SAP (Accounts Receivable & Financial Reporting)
- Deductions & Chargeback Management
- Collections Strategy & Dispute Resolution
- DSO Reduction & KPI Analysis
- Month-End Close & A/R Reconciliation
- Treasury Reporting & Executive Dashboards
- Excel (Advanced): PivotTables, XLOOKUP, Data Validation, Aging Reports, Trend Dashboards
- Large Account Management (Retail & E-commerce)
- Cross-Functional Leadership & Collaboration
- Credit Risk Management & Credit Holds
- Rebates Management
Accomplishments
- Reduced chargebacks by 50% on Amazon account, significantly improving cash flow.
- Strengthened deduction processes across major retail accounts, reducing recurring disputes.
- Built executive-level Treasury reporting used for leadership decision-making.
- Improved cross-functional workflows between A/R, Sales, and Operations.
- Enhanced team accountability and performance through structured follow-up and reporting processes.
Certification
- CMA Part 1 Candidate- In progress
ADDITIONAL INFORMATION
- 15+ years of experience in high-volume A/R and national account management
- Proven ability to drive process improvements and reduce DSO
- Strong analytical, leadership, and problem-solving skills
Languages
Spanish
Native or Bilingual
Portuguese
Professional Working
Timeline
Accounts Receivable & Chargebacks Team Lead
Groupe SEB
05.2015 - Current
Accounting Clerk / Receptionist
Maxon Auto group
01.2008 - 01.2014
Bachelor of Science - Business Administration
Kean University