Detail-oriented and results-driven Credit Representative with over 3 years of experience in managing accounts receivable, assessing credit risk, and implementing effective collection strategies. Skilled in financial analysis, data interpretation, and process improvement, with a proven ability to drive cash flow and minimize bad debt. Strong proficiency in Excel, SAP and financial reporting, along with a solid understanding of accounting principles and financial regulations. Now seeking to transition into a Financial Analyst role where I can leverage my analytical skills, financial acumen, and hands-on experience in credit management to contribute to data-driven decision-making, forecasting, and financial planning.