Victor Pena Email & Phone Number

United States

Consultancy services

Doral, Fl, Us

Uphold the department organization structure sufficient to meet goals and all objectives in order to mitigate credit risk while engaging with different stakeholders mainly the sales team to find revenue opportunities and trusted advisor. Responsible for credit evaluation, approval of new customers and collection improvement while developing KPIs to measure department performance.• Engage with different departments within the organization to maintain the corporate policy, improve cash flow and initiatives to grow the business with credit perspectives.• Manage and properly motivate a team of 3 key credit analysts to enhance the credit and collection process while engaging with customers and sales management team.• Identify gaps in processes and recommend changes in the credit policy to senior management and create a credit risk scoring model

Miami, Florida, Us

Led an AR portfolio of $100M and a team of 10 including Collections, Credit Manager, and Cash Applications. Monitored credit risk exposure, reduced DSO, enhanced the credit and collection process, and developed credit strategies with sales team to grow revenues over $1B.• Established new accounts with the appropriate credit lines through utilizing credit standards, making daily decisions with risk management, and coordinating financial statement analysis.• Developed strategies and interacted with the sales management team, managed relationships with credit insurance providers and provided guidance and leadership for the credit team.• Managed and collected domestic and international receivables with short credit terms in a timely manner, enhanced the credit and collections process to improve accounts past due over 90 days to reduce DSO.• Aligned with operations teams to build a credit capacity report to monitor credit exposure and supervised a credit manager and seven collection administrators.

Redmond, Washington, Us

Provided support to Credit Services Latam with operational oversight in the collection and risk mitigation of Latam AR portfolio greater than $500M. Supported the onboarding of new and emerging businesses while driving standardized policies, processes, and procedures.• Managed credit risk analysis, set credit limits, monitored customers’ financial conditions, and negotiated when required. Ensured the risk level was minimal, increased revenues, and mitigated bad debt.• Cultivated strong relationships with businesses and finance leaders to clearly understand the mission, challenges, and business initiatives.• Controlled operations in the collection and risk mitigation of Latam Account Receivable portfolio greater than $500M and supported the onboarding of new and emerging businesses. • Created and implemented a project to drive high-quality group execution against plans and according to Treasury operational commitments to ensure prudent and necessary business decisions.• Identified gaps and redundancies across groups, worked with senior management to address improvement that generated strategic thinking and operational excellence. • Maintained accountability for control and compliance of all Latam Credit Services.

Miami, Fl, Us

Managed credit and risk management for the organization and expanded to oversee all domestic accounts over $300M in the total AR portfolio. Managed problem solving for daily challenges, enhanced policies and procedures, and coordinated workflow as it related to credit evaluation, collection, hedging, and exposure.• Established credit lines for new customers and re-evaluated credit exposure for existing control customers.• Investigated financial standings after analyzing financial statements and other relevant data. Processed a VAR analysis on all exposures as appropriate to determine the potential risk impact.• Orchestrated a project to manage policies and procedures dictated by senior management as directed.• Partnered with team members to design a credit risk model on customers’ financial standing with key ratios.• Assisted customers with loan restructuring and refinancing alternatives to enhance cash flows and lower debt cost; advised the sales team in delivering value propositions to customers.