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Sales Customer Service

Oxnard, CA
June 29, 2018

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Jasmin Rivera

Oxnard, CA ***** 805-***-****


Credit and Collection professional with experience in credit risk management and collection strategies with different industries. A reliable decision-maker that is well respected by the Sales force due to the ability of balancing revenue generation while mitigating risk. Proven collaboration with all levels of personnel, including management and establishing quality and professional relationships with customers.

Customer Service Financial Statement Analysis Credit Risk Evaluation Negotiation Collections

Chargeback & Deduction Resolution Proposal Writing

Professional Experience


Supervisor 2005 – 2017


Worked with Sales in achieving revenue target, while mitigating credit risk. Ensured credit and collection activities performed were in compliance with audit and SOX controls. Monitored and provided timely reporting of distressed accounts to Director of Credit, Controller and CFO. Worked with Finance group in the evaluation and preparation of quarterly Bad Debt Report.

•Helped Collection team in reducing past due from 27% in April 2017 to 9.3% in September 2017 by escalating and working with the account’s management and executive teams. Review and write off of non-collectible past due balances contributed to the clean-up of bad debt accounts.

•Collected $6M+ of invoices that were already past due over 90 days from 2 major accounts, which contributed to achieving the department’s goal.


Supervised 5-member credit team with 4K+ active accounts. Managed credit risk and order management of major accounts with credit line of $5M+. Assisted the AR team in reconciling customer balances to resolve chargebacks and deductions. Worked with audit team during audit tests. Updated and implemented department's Policy and Procedure Manual.

•Evaluated and assigned proper risk rating to each customer and provided adequate reserve for potential loss that allowed for the relaxation of credit requirements. These contributed $34M of additional revenue towards Sales team's quarterly sales target, with only $200K remaining balance left unpaid after 90 days and was well covered by the bad debt reserve allocated for the sale.

AMGEN INC., Thousand Oaks, CA 1995 – 2005

Regional Credit Rep to Associate Manager

Managed all credit-related aspects of regionally assigned portfolio of Amgen's customer accounts which included collection of past due balances, negotiation of payment plan, assessment of credit risk, review of credit lines and analysis of customer's financial statements. Managed daily credit hold. Prepared quarterly Bad Debt Report. Assisted in updating and implementing Policy and Procedures to ensure compliance with Sarbanes-Oxley. Conducted customer visits when necessary.

•Negotiated 50 / 50 settlement on $1M+ total chargeback that was past due more than 180 days, which contributed to an increase in the Company’s bottom line.

•Reduced potential loss of $2M+ to less than $100K from 1 major account that filed bankruptcy, which was achieved by filing reclamation claim timely and providing appropriate defense on preference claim filed by customer.

Additional Related Experience

DOLE PACKAGED FOOD, Westlake Village, CA

Credit Analyst

EVEREST AND JENNINGS, Camarillo, CA (relocated in St. Louis, MO)

Account Receivable Clerk to Sr. Staff Accountant/AP Supervisor


Bachelor of Science in Business Administration (BSBA), major in Accounting, Philippine College of Commerce, Manila, Philippines

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