Sandra Figueira

Finance and credit control professional with over 20 years' experience supporting busy finance functions across property, distribution and service sectors. Experienced in accounts receivable, reconciliations, cash management, reporting, dispute resolution and maintaining accurate financial records. Strong communicator with a proactive and organised approach, used to working in fast-paced environments and supporting both operational and finance teams.

Credit Control Manager - PBM Property Management - Borehamwood

(2024-08)

• Manage and control a multi-site B2B debtor book, overseeing recovery strategy from early arrears through to legal escalation.
• Support and coordinate credit control activities across a busy multi-site debtor portfolio, helping to improve collection outcomes and maintain cash flow.
• Drive structured recovery action including formal notices, payment plans and solicitor instruction for escalated accounts.
• Prepare aged debt reports, credit exposure summaries and performance updates for senior management meetings.
• Identify and support process improvements to strengthen internal controls and improve efficiency across finance operations.
• Work cross-functionally with property managers and finance teams to resolve disputes and protect cash flow.

Credit Controller - Stapletons Tyre Services (European Tyre Enterprises Ltd) - Letchworth

(2023-03 - 2024-07)

• Managed a high-volume national B2B ledger, proactively driving collections and meeting monthly KPIs.
• Conducted credit checks and set appropriate credit limits using Experian and CreditSafe to mitigate risk.
• Negotiated structured payment plans and settlements to improve DSO and reduce bad debt exposure.
• Worked closely with sales and operations teams to resolve invoice disputes and support controlled order release.
• Maintained accurate debtor records and produced aged debt reports for management review.

Credit Controller - Network Security and Alarms - Hemel Hempstead

(2021-07 - 2023-03)

• Managed daily banking, reconciliations and allocation of payments across multiple client accounts.
• Led recovery communications via phone, email and formal correspondence to reduce overdue balances.
• Investigated and resolved billing disputes through collaboration with internal departments and clients.
• Supported month-end reporting and maintained accurate financial records.
• Supported finance operations including reconciliations, invoice management, payment allocations and ledger maintenance.

Finance Support Analyst - Residential Management Group (RMG) - Hoddesdon

(2020-09 - 2021-06)

• Provided financial support to Property Managers including service charge budget analysis and reporting.
• Assisted in correcting service charge discrepancies and ensuring financial accuracy across developments.
• Contributed to monthly reporting processes and financial reconciliations.

Team Leading NVQ Level 2 - TBG Learning

Sage Accounts – Stage 1

Bookkeeping Course

Secondary Education