LAYLA MELINDO
Taguig City
Summary
Dedicated and detail-oriented Credit and Collection Officer with over 10 years of experience in accounts receivable management, client relations, and financial reporting. Seeking to leverage strong analytical, leadership, and process improvement skills to contribute to the company’s operational and financial efficiency.
Overview
15
15
years of professional experience
Work History
CREDIT AND COLLECTION SENIOR OFFICER
KMC COMMUNITY, INC.
02.2024 - Current
- Oversees the day-to-day operations of the Credit and Collection Department, ensuring receivables are managed efficiently and in full compliance with company policies.
- Ensures accurate and timely posting, validation, and reconciliation of client payments across multiple bank accounts.
- Leads monthly aging and performance reviews, identifying overdue accounts and implementing proactive collection strategies to improve recovery rates.
- Maintains an average Days Sales Outstanding (DSO) below 30 days through consistent monitoring, client engagement, and timely escalation.
- Reviews and validates client statements, official receipts, and credit memos to ensure accuracy and proper documentation.
- Collaborates closely with the Accounting, Sales, and Legal teams to resolve disputes, reconcile discrepancies, and manage escalated client issues.
- Monitors and approves bank reconciliations, payment applications, and ledger adjustments, ensuring data integrity and accuracy.
- Develops and enforces collection policies and standard operating procedures (SOPs) to enhance departmental efficiency and reduce delinquency rates.
- Prepares and analyzes key financial reports such as AR Aging, Collection Forecasts, Cash Flow Projections, and DSO Reports to support management decisions.
- Ensures all client communications are handled with professionalism, accuracy, and confidentiality.
- Provides leadership, coaching, and performance assessments to strengthen the team’s capability, accountability, and collaboration.
- Drives automation and process optimization through Excel and Power BI to streamline reporting and improve data accuracy.
- Partners with management to set collection targets, performance dashboards, and strategic improvement plans.
- Manages high-value and escalated accounts, negotiating payment terms and resolutions to minimize bad debts and maintain strong client relationships.
CREDIT AND COLLECTION OFFICER
KMC COMMUNITY, INC.
10.2022 - 02.2024
- Supervised the Credit & Collection Team to ensure a 99% monthly collection rate.
- Prepared consolidated AR and flagged customer reports for management review.
- Handled client communications to address payment issues and prevent escalations.
- Ensured accurate issuance of official receipts and reconciliation of AR aging reports.
- Collaborated with internal teams to resolve collection disputes and improve client satisfaction.
SENIOR CREDIT AND COLLECTION SPECIALIST
KMC COMMUNITY, INC.
08.2018 - 10.2022
- Managed the overall collection task for about 3,000 clients over 14 active companies.
- Managed overdue accounts and performed daily bank reconciliations for multiple entities.
- Monitored aging reports, coordinated follow-ups, and prepared flag list reports weekly.
- Conducted outbound collection calls and maintained strong client relations.
- Ensured timely posting of payments and supported audit requirements.
- Managed high-volume collections, ensuring timely payments and reducing outstanding balances.
ACCOUNTING STAFF
OMON GROUP INC.
11.2017 - 08.2018
- Prepared daily sales invoices and delivery receipts for outgoing transactions of the whole company over 500 transactions per month
- Managed petty cash, liquidations, and bank-related transactions.
- Monitored inventory and monthly costing reports.
- Supported collection activities and maintained accurate customer records.
SENIOR ACCOUNTANT
UBIX CORPORATION
04.2011 - 03.2017
- Prepared and analyzed monthly AR and collection reports for 12 branches.
- Monitored billing and aging of all rental accounts.
- Conducted follow-ups on unpaid balances and provided reports to management.
- Assisted and trained branch personnel in accounting procedures and system postings.
Education
Bachelor of Science in Business Administration - Management And Accounting
Occidental Mindoro State College
Occidental Mindoro01.2011
Skills
- Credit management
- Accounts receivable management
- Credit risk analysis
- Conflict resolution skills
- Cash flow management
- Delinquency prevention strategies
- Financial reporting expertise
- Payment verification expertise
- Forecasting collections
- Variance analysis
- Audit support
- Data visualization expertise with Power BI
- System management expertise
- ERP software proficiency
- Proficient in advanced MS Excel
- Management reporting using PowerPoint
- CRM integration expertise
- Team leadership and staff training
- Performance evaluation and guidance
- Cross-departmental collaboration
- Process optimization
- Commitment to integrity
Leadership & Collaboration
Timeline
CREDIT AND COLLECTION SENIOR OFFICER
KMC COMMUNITY, INC.
02.2024 - Current
CREDIT AND COLLECTION OFFICER
KMC COMMUNITY, INC.
10.2022 - 02.2024
SENIOR CREDIT AND COLLECTION SPECIALIST
KMC COMMUNITY, INC.
08.2018 - 10.2022
ACCOUNTING STAFF
OMON GROUP INC.
11.2017 - 08.2018
SENIOR ACCOUNTANT
UBIX CORPORATION
04.2011 - 03.2017
Bachelor of Science in Business Administration - Management And Accounting
Occidental Mindoro State College
References
Elise Joyce Villanueva
Assistant Manager for Collection
KMC Community Inc.
(63) 917 820 5188