Yazmin Miller
Algonquin,IL
Summary
Senior leader in credit and collections with expertise in cash flow optimization and credit risk mitigation. Achieved significant reductions in days sales outstanding (DSO) and bad debt expenses while enhancing order-to-cash processes through cross-functional collaboration. Skilled in leading high-performing teams within dynamic, growth-focused environments.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Sr Credit and Deductions Manager
Oil-Dri Corporation
Chicago, USA
01.2026 - Current
- Provide strategic leadership for credit risk management, receivables, collections, and cash application, driving working capital optimization, financial performance analysis, and continuous improvement across the Order-to-Cash cycle.
- Lead enterprise-wide Credit, Collections, Deductions, and Order-to-Cash (OTC) strategy for a multi-million-dollar customer portfolio, balancing revenue growth, working capital optimization, and enterprise risk mitigation.
- Direct credit governance for new and existing customers, establishing credit lines, payment terms, and risk frameworks that protect the organization while enabling profitable sales growth.
- Improved accounts receivable performance by reducing past due balances by 2% within the first 3 months through focused collection strategies, dispute resolution, and stronger portfolio oversight.
- Reduced bad debt expense by 50% through disciplined credit underwriting, proactive risk monitoring, recovery strategies, and tighter financial controls.
- Developed executive performance dashboards highlighting DSO, aging trends, delinquency exposure, bad debt risk, customer concentration, and collection effectiveness to enable data-driven leadership decisions.
- Lead, mentor, and develop a team of 5 direct reports across credit, collections, deductions, and cash applications, driving accountability, operational excellence, and cross-functional collaboration.
- Partner with Sales, Customer Service, Finance, Legal, and executive leadership to resolve complex customer disputes, negotiate payment solutions, and accelerate cash flow while preserving strategic commercial relationships.
- Manage distressed accounts, structured payment arrangements, bankruptcies, and third-party collections to maximize recoveries and minimize financial exposure.
- Performed financial statement analysis and credit risk assessments to inform high-value credit decisions and manage exposure across domestic and international accounts.
- Led continuous improvement initiatives that modernized OTC operations, strengthened governance, and enhanced working capital performance.
Corporate Credit and Export Compliance Manager
Feralloy
Chicago, USA
10.2023 - 12.2025
- Lead enterprise credit, collections, and export compliance for a major steel processing organization, reporting to the CFO and overseeing a team of nine professionals across order-to-cash and credit operations.
- Direct a $173M portfolio for a $1B enterprise while leading strategic credit and collections initiatives that support cash flow, risk control, and business growth.
- Centralized credit operations in Chicago, improving process consistency, escalation management, and organizational efficiency.
- Standardized and automated order-to-cash processes, contributing to meaningful DSO improvement and stronger operating discipline.
- Maintained write-offs at 0.01% of revenue through disciplined credit policy design, risk governance, and streamlined collections execution.
- Integrated credit operations across three strategic acquisitions in 2024, aligning policies, processes, and controls to support seamless business integration.
- Partner with sales leadership to strengthen customer relationships while balancing revenue growth with prudent risk management.
- Develop and maintain export compliance policies aligned with EAR, ITAR, OFAC, and BIS requirements; advise on classification, licensing, documentation, audits, and risk assessments.
- Support month-, quarter-, and year-end close activities through flux analysis, AR reconciliation, and cross-functional coordination with legal and compliance stakeholders.
Credit Supervisor
Mitsubishi Electric Automation
Vernon Hills, USA
01.2021 - 10.2023
- Led credit risk activities within AR operations, managed team workflows, analyzed portfolio performance, and communicated results to executive leadership.
- Controlled credit exposure by evaluating financial statements, customer trends, and delinquency data to guide lending decisions and portfolio strategy.
- Reduced DSO by five days and achieved company-record low DSO performance.
- Selected and implemented Esker collections software, supporting automation and contributing to a five-day DSO reduction.
- Partnered with internal stakeholders to resolve invoicing and collections issues and helped develop policies for the global credit function in alignment with internal controls and regulatory requirements.
Credit Team Lead
Mitsubishi Electric Automation
Vernon Hills, USA
04.2020 - 01.2021
- Established team performance metrics that improved accountability and visibility into progress against operational targets.
- Coached and developed team members through ongoing training, mentoring, and skills assessment.
- Produced reports and recommendations to support management decision-making.
Credit Analyst
Mitsubishi Electric Automation
Vernon Hills, USA
10.2017 - 03.2020
- Analyzed customer financial statements and related data to assess creditworthiness and determine appropriate risk exposure.
- Reviewed credit applications and made informed approval and denial recommendations to protect profitability.
- Monitored existing accounts to identify emerging risks, reduce delinquencies, and prevent losses.
Senior Credit Coordinator
Mitsubishi Electric Automation
Vernon Hills, USA
03.2012 - 10.2017
- Supported month-end close processes and day-to-day receivables management.
- Resolved client disputes while maintaining strong customer relationships and service standards.
- Partnered with IT to improve system functionality and automate manual work, increasing departmental efficiency.
- Strengthened cash flow through consistent follow-up and timely collection of outstanding receivables.
Senior Customer Care Coordinator, Bilingual
Mitsubishi Electric Automation
Vernon Hills, USA
04.2011 - 03.2012
- Resolved customer issues quickly and effectively, improving satisfaction and retention.
- Developed support strategies and prioritized high-volume work in a fast-paced environment.
- Helped onboard and train new hires on policies, procedures, and customer service best practices.
Collections Analyst
Panasonic North America
Rolling Meadows, USA
03.2007 - 04.2011
- Evaluated new-customer credit applications to support sound account setup and responsible risk management.
- Maintained detailed collections records and reporting to support data-driven decision-making and planning.
- Ensured compliance with federal and state debt-collection requirements, reducing legal and reputational risk.
- Partnered with sales and accounting teams to resolve billing disputes promptly.
Education
Mini MBA - Leadership and Business
Loyola University Chicago
Chicago, IL04-2023
Bachelor of Science - General Studies
Columbia College of Missouri
Chicago, IL12-2020
Bachelor of Arts - Pre-Law
Universidad Iberoamericana
Mexico 05-2001
Skills
- Credit risk management
- Accounts receivable operations
- Debt recovery and DSO reduction
- Cash flow improvement
- Financial analysis and regulatory compliance
- Policy development and process automation
- System implementations and operational integration
- Team leadership and cross-functional collaboration
- International trade compliance
Certification
- NACM Certified Credit and Risk Analyst (CCRA)
NACM Credit Business Fellow (CBF), NACM Credit Business Associate (CBA), NACM Certified International Credit Professional (CICP)
MRA Certificate, Principles of Leadership Excellence Series
NACM Speaker at Credit Congress, Board Member
ACE Group Chicago (Association of Credit Executives)
NACM Board of Directors
Toastmasters President, VIP Public Relations
Languages
Spanish
Native/ Bilingual
Timeline
Sr Credit and Deductions Manager
Oil-Dri Corporation
01.2026 - Current
Corporate Credit and Export Compliance Manager
Feralloy
10.2023 - 12.2025
Credit Supervisor
Mitsubishi Electric Automation
01.2021 - 10.2023
Credit Team Lead
Mitsubishi Electric Automation
04.2020 - 01.2021
Credit Analyst
Mitsubishi Electric Automation
10.2017 - 03.2020
Senior Credit Coordinator
Mitsubishi Electric Automation
03.2012 - 10.2017
Senior Customer Care Coordinator, Bilingual
Mitsubishi Electric Automation
04.2011 - 03.2012
Collections Analyst
Panasonic North America
03.2007 - 04.2011
Mini MBA - Leadership and Business
Loyola University Chicago
Bachelor of Science - General Studies
Columbia College of Missouri
Bachelor of Arts - Pre-Law
Universidad Iberoamericana