Detail-oriented and results-driven Credit Representative with over three 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.