Summary
Overview
Work History
Education
Skills
Timeline
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Siphan Men

San Jose,CA

Summary

Results-driven Senior Credit Collections Analyst known for high productivity and efficient task completion. Excel in negotiation, risk assessment, and financial reporting, ensuring smooth operational flow and enhanced revenue recovery. Strong in communication, problem-solving, and analytical thinking, skills that are critical for resolving complex accounts receivable issues and maintaining positive client relationships.

Overview

20
20
years of professional experience

Work History

Senior Credit & Collections Analyst

Adeia
San Jose, CA
10.2020 - Current
  • Develop, and maintain customer profiles and investigate credit histories
  • Investigate and verify the financial status and reputation of prospective/ existing customers by reviewing and analyzing credit reports, financial statements, bank references, trade credit references, and payment history
  • Effectively interacts with customers, sales organizations, all levels of management, and credit associations
  • Prepare and analyzes periodic reports for management
  • Perform other related duties as required or assigned
  • Generate and review account aging data files to select delinquent accounts for collection efforts all Business Units assigned accounts
  • Prepare detailed account spreadsheets as necessary and reconciles all discrepancies
  • Create and maintain the database on all collection activity conducted on accounts
  • Assist with providing posting details for incoming payments from collection efforts
  • Attend quarterly aging review meetings with Supervisory Management
  • Decreased the over 90-plus balance by 42% within three months before year-end
  • Support Order Management with order release for accounts placed on hold
  • Assisted in transitioning Acquisition cash to ARM’s system for cash posting
  • Approve and recommend credit limits appropriate to risk profile through diligent risk assessment and monitoring
  • Highlight significant credit risk and collection issues to senior management
  • Review contractual payment terms and approve or makes recommendations
  • Coordinate with internal partners including Sales, Finance, Revenue, Tax, Order Management, and Legal
  • Negotiate repayment plans with delinquent customers
  • Automate systems and processes, update internal policies, procedures, and controls, where necessary
  • Perform credit responsibilities including new customer approval, financial statement analysis, contract review, understanding D&B credit reports, authorizing credit lines, etc
  • Mitigate credit risks by ongoing analysis of customer base, keeping up with industry trends, and preparing/reviewing client-specific payment history reports
  • Draft models of credit information that predict trends and patterns
  • Place past due customers on Credit hold in NetSuite, due to non-payment.

Senior Credit & Collections Analyst

ARM, Inc.
San Jose, CA
09.2019 - 10.2020
  • Collect and analyze data for a selected payment/debt history
  • Reaching out to customers to discuss their debts
  • Consulting and helping clients in case of billing and credit problems
  • Developing measures encouraging timely payments
  • Managing historical records of account statuses and collection operations
  • Reporting on collection operations and customer account updates
  • Recommending further action or discontinuation of service on occasions where payment is not forthcoming – including liaising with Credit and Sales departments where necessary
  • Gathers and analyzes loan applicants’ financial data to evaluate risk
  • Collaborates with other financial experts to approve or deny loans
  • Makes recommendations about whether to increase, adjust, extend, or close lines of credit
  • Undertakes risk analysis using regional, sector-specific, environmental, and other financial data
  • Prepares and presents credit reports
  • Completes quality assurance reviews
  • Gauges market trends
  • Monitors and adheres to collateral compliance covenants
  • Ensures that all loans are made in adherence with federal, state, and local financial regulations
  • Analyzes data to verify information and uncover fraud
  • Helps to update and improve credit rating criteria
  • Authors documents on credit risk and related financial matters
  • Communicates credit decisions and policies to fellow employees and credit applicants
  • Oversees or undertakes document preparation
  • Prepare Quarterly Cash Forecast to assist with Collection trends and CFO Dashboard
  • Prepare monthly and quarterly reports for close
  • Attend meetings as needed for Collections, Credit, and Revenue
  • Assess a Company's Financial Health with Big Data.

Imperva, Inc
Redwood City, CA
09.2017 - 01.2019
  • Handled all aspects of collections A/R resolution and account reconciliation as assigned for products, services, and licensing
  • Minimized bad debt write-offs by recommending appropriate credit limits and controlling A/R within limits
  • Monitored credit holds to ensure orders are held as needed to control risk but collectible sales are optimized
  • Communicated effectively and professionally with customers, banks, vendors, and other suppliers
  • Prepared account reconciliations and other reports as required
  • Responded to ad-hoc requests for credit review on new and existing customer accounts
  • Analyzed financial statements, including ratios, comparative analysis and investigate corporate hierarchies
  • Evaluated results of investigations, prepare reports of findings, and decide on the extension of credit terms and credit lines
  • Documented and maintain credit decisions in NetSuite
  • Performed other duties as assigned.

Credit & Collections Supervisor

IntelePeer
San Mateo, CA
02.2011 - 09.2017
  • Consistently reviewed activities of Collections Analyst to ensure consistent application of policy and procedure within department
  • Collected payments on large Enterprise/Peering past due bills
  • Collected 9.2m of the $12m early receivables from Level3, Cricket and Verizon Wireless accounts
  • Provided direction and supervision to credit and collections department staff
  • Determined customer credit capacity and authorize extension of credit
  • Managed the compilation of credit information
  • Routinely performed financial analysis on customers, competitors, and vendors; interpret and communicate findings
  • Determined action to take in collection of past due accounts where normal collection procedure have failed
  • Reviewed customer sales contracts and approve terms of sale
  • Prepared data showing credit activities and status of accounts
  • Frequently communicated with sales and finance on the status of client accounts or the credit classification of prospective clients
  • Evaluated and improve current processes
  • Negotiated to reduce payment terms of customers
  • Analyzed customers' billing/payment currencies
  • Monitored customer's financials periodically/continually
  • Evaluated credit worthiness of vendors
  • Maintained customer relationships.

Collections Analyst

Cisco Systems
San Jose, CA
12.2005 - 01.2011
  • Managed Verizon and Cable Accounts which average between $9M to $80M in monthly revenue
  • Achieved 90% of the $50m monthly receivables from Verizon and Cable accounts by daily monitoring accounts
  • Prepared monthly forecasting report to the management for review
  • Processed credit memo's, cash application and write offs
  • Collections Oracle 11i ambassador
  • Served as liaison to Oracle team to resolve collection software issues or communicate software updates to Accounts Receivable team
  • Worked closely with customer and CSRM on order issues and releasing of orders
  • Collaborated with internal and external customer concerning order issues and releasing of orders daily
  • Managed credit card accounts, process check requests
  • Documented the credit card procedure/processes for cross-training purposes.

Credit & Collections Analyst

Tibco Software
Palo Alto, CA
08.2004 - 12.2005
  • Collected and reconciled the Accounts Receivable aging for customers a-z varying customer's balances starting from $600.00 to $5.6 million
  • Followed-up on all issues to insure resolution
  • Notified customers on delinquent balances and disputed invoices to secure timely payments
  • Ensured and maintained the financial integrity of assigned portfolio assignments
  • Analyzed and resolved problems by working with various departments
  • Updated the controller on a weekly basis on payment status and new accounts
  • Interacted with dealers, salespeople, and customers on credit milestones approval processes decision and milestones
  • Obtained Dun & Bradstreet, credit bureau reports and analyzes creditworthiness of lease and purchase applicants
  • Researched internal databases for any historical relationship with applicants
  • Contacted trade references for applicants' paying history and relevant background information
  • Obtained and analyzed bank ratings and account balances.

Education

Bachelor of Business Administration in Business Administration -

San Jose State University
06.2005

Skills

  • SAP
  • Oracle
  • Dun & Bradstreet
  • SCC
  • Cisco Status/Invoice Query
  • Ciber
  • Solcat
  • BPCS
  • Mas90
  • MS Word
  • Power Point
  • Excel
  • Outlook
  • Filemaker Pro
  • JDE Edwards
  • LeasePak
  • Salesforce
  • NetSuite
  • SFDC
  • FreshBooks
  • General Ledger Accounting
  • Financial Analysis
  • Account Reconciliation
  • Order Management System
  • Forecasting
  • Journal Entries

Timeline

Senior Credit & Collections Analyst

Adeia
10.2020 - Current

Senior Credit & Collections Analyst

ARM, Inc.
09.2019 - 10.2020

Imperva, Inc
09.2017 - 01.2019

Credit & Collections Supervisor

IntelePeer
02.2011 - 09.2017

Collections Analyst

Cisco Systems
12.2005 - 01.2011

Credit & Collections Analyst

Tibco Software
08.2004 - 12.2005

Bachelor of Business Administration in Business Administration -

San Jose State University

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Siphan Men