Vinayakaraj K

Results-oriented Senior Credit Risk & Order-to-Cash (O2C) Professional with 9+ years of experience in Credit Management, Accounts Receivable, Collections, Financial Controls, and Working Capital Optimization across global shared services and APAC markets. Expertise in managing the complete O2C lifecycle, including credit underwriting, risk assessment, order release, cash application, portfolio management, dispute resolution, and SOX-compliant financial governance. Hands-on experience configuring and operating SAP FSCM (Credit Management, Collections Management, and Dispute Management) to automate credit scoring, workflow-driven collections, and case-based dispute resolution.

Proven success in reducing DSO, improving cash flow, strengthening working capital, and minimizing credit risk through data-driven decision-making. Achieved 30% improvement in credit approval efficiency, 20% reduction in overdue receivables, and 100% SLA/TAT compliance. Proficient in SAP (including FSCM), Oracle, Salesforce CRM, Power BI, Advanced Excel, and IFRS 9, with a strong track record of partnering with cross-functional teams to drive operational excellence, regulatory compliance, and sustainable business growth.

Senior Credit & Collections Analyst - GCC at Tech Data APAC (TD SYNNEX) (2024-08 – 2026-02)

• Managed the complete Order-to-Cash lifecycle, including TDS booking, account reconciliations, cash application support, and query resolution while ensuring accuracy and regulatory compliance.
• Operated SAP FSCM Credit Management and Collections Management modules to automate credit scoring, credit limit checks, and workflow-driven collections worklists, improving prioritization of high-risk accounts.
• Logged, tracked, and resolved customer disputes through SAP FSCM Dispute Management, linking cases to open AR items to accelerate resolution and reduce unapplied cash.
• Oversaw credit portfolios, collections, and receivables to improve cash flow, reduce DSO, strengthen working capital, and mitigate credit risk.
• Ensured SOX compliance, bolstered internal controls, maintained audit-ready documentation, and upheld financial governance standards.
• Evaluated customer creditworthiness and authorized order release/decline decisions, balancing business growth with robust credit risk controls.
• Monitored customer portfolios, credit limits, receivables, and AR aging to minimize credit exposure, reduce DSO, and improve collection performance.
• Conducted comprehensive credit assessments and delivered actionable risk recommendations and channel finance proposals to support informed business decisions.
• Accelerated invoice collections through proactive follow-ups, payment negotiations, and dispute resolution, strengthening cash flow and working capital.
• Ensured adherence to internal credit policies, financial controls, and operational SLAs while driving continuous process improvements across O2C operations.

Senior Credit Analyst at Cargill (2022-03 – 2024-02)

• Performed comprehensive credit evaluations and financial statement analysis for the APAC portfolio to assess counterparty risk and support informed credit decisions.
• Leveraged SAP FSCM Credit Management to configure credit limit rules, automated risk categories, and blocked/released orders based on real-time credit exposure checks.
• Observed customer creditworthiness, identified emerging risk indicators, and recommended proactive actions to minimize credit exposure.
• Reconciled Accounts Receivable (AR) balances with the General Ledger (GL), ensuring financial accuracy, data integrity, and timely period-end reporting.
• Evaluated AR aging, payment behavior, and financial health to recommend appropriate bad debt provisions and reduce potential credit losses.
• Partnered with Sales, Treasury, Finance, and Business teams to accelerate collections, resolve payment issues, and improve working capital performance.
• Supported credit policy adherence by maintaining accurate documentation, strengthening internal controls, and ensuring compliance with corporate financial standards.

Senior Credit Analyst - Financial Controls at Conduent (2019-10 – 2022-03)

• Reduced overdue Accounts Receivable by 20% within three months through strategic collection campaigns, proactive follow-ups, and effective DSO management.
• Used SAP FSCM Collections Management to build segmented collection strategies and workflows, driving disciplined follow-up cadences across the customer portfolio.
• Assessed credit applications, performed financial analysis, and provided underwriting recommendations while conducting periodic reviews of customer credit facilities.
• Supervised treasury-related activities, payment reconciliations, and collections to ensure cash flow optimization and compliance with financial covenants.
• Monitored Letters of Credit (LC) and Standby Letters of Credit (SBLC), resolving complex customer disputes while safeguarding business continuity.
• Successfully led a new credit operations project, achieving 100% SLA and TAT compliance through standardized processes and performance governance.
• Collaborated with Sales, Finance, and customers to negotiate payment solutions, reconcile accounts, and deliver actionable MIS reports and analytical insights for leadership decision-making.

Senior Credit Analyst at Capgemini Technology Services (2017-05 – 2019-10)

• Evaluated customer creditworthiness using quantitative and qualitative financial analysis to minimize portfolio risk and support informed credit decisions.
• Identified credit, industry, and market risk indicators to strengthen portfolio resilience and reduce potential financial exposure.
• Reduced Days Sales Outstanding (DSO) by driving targeted collection initiatives, resolving overdue receivables, and improving cash conversion.
• Supported ECL calculations and portfolio risk assessments while ensuring compliance with IFRS standards and internal credit policies.
• Optimized credit limit recommendations through historical payment analysis, financial trends, and forward-looking risk assessments.
• Enhanced credit approval efficiency by 30% through process innovation, earning the 'Idea Generator of the Year' award for operational excellence.
• Strengthened governance by maintaining accurate documentation, reconciliations, and audit-ready records to ensure regulatory compliance.

Account Executive - O2C at EXL (2015-03 – 2017-02)

Executed end-to-end O2C processes, including billing setup, payment posting, cash application, payment proposals, credit & collections, and accounts receivable manage