Mariole Maranan
Finance Coordinator, Accounts Receivable, Credit & Collections
Marikina City
Summary
Finance professional with 11 years of experience in the Australian financial industry, specializing in Accounts Receivable, debt collections, credit checks, payment management, contract processing, direct debit reconciliation, and rental finance operations. Experienced in conducting credit assessments, managing customer accounts, processing contracts, coordinating approvals, and overseeing accounts receivable activities. Strong experience liaising across Finance, Sales, Purchasing, Warehouse, and customers to ensure smooth and efficient end-to-end rental operations for commercial kitchen equipment. Highly organized and detail-oriented, with strong analytical, communication, negotiation, and problem-solving skills. Able to meet deadlines and work effectively under pressure while maintaining accuracy and excellent customer service.
Overview
1
1
Language
11
11
years of professional experience
Work History
RIT Finance Coordinator (Independent Contractor)
Caterlink (Rent-it-Today) Australia
08.2024 - 10.2026
- Conduct credit checks for equipment finance applications ranging from $1,000 to $250,000.
- Assess clients’ credit history and financial applications from $1,000 to $39,000.
- Request and review additional documentation for finance applications between $40,000 and $60,000 and obtain RIT Manager approval.
- Coordinate additional documentation and Board approval for finance applications ranging from $61,000 to $250,000.
- Convert approved proposals from the Sales Team into Sales Orders for rental equipment.
- Create rental contracts and security deposit invoices in Xero.
- Follow up and ensure collection of security deposits and signed contracts before releasing live orders to Purchasing and Warehouse for equipment procurement and delivery.
- Coordinate live orders with Purchasing and Warehouse teams to facilitate procurement, dispatch, and delivery.
- Activate rental equipment upon delivery and prepare initial and weekly rental invoices making sure to register PPSR.
- Perform weekly direct debit reconciliations and resolve payment discrepancies.
- Manage and respond to customer payment and account disputes.
- Debt collections
- Perform contract reconciliations to ensure billing and contract details are accurate.
- Process contract variations and equipment upgrades.
- Coordinate and process equipment returns.
- Sending buyout Quotation and processing contract termination.
- Processing Early termination fee for contracts requested to be terminated before the end of the contract term.
- Liaise with Finance, Sales, Purchasing, Warehouse, and customers to ensure smooth and efficient end-to-end rental operations.
- Rent it today Department) Australia
Accounts Receivable Officer
Emapta (Access Group of Australia)
07.2023 - 07.2024
- Conducted credit checks for equipment hire customers within the building and construction industry.
- Managed invoicing and accounts receivable collections to ensure timely and accurate payment of outstanding accounts.
- Reconciled customer accounts and investigated and resolved payment discrepancies.
- Handled customer enquiries regarding invoices, payments, and account balances while maintaining accurate financial records.
- Monitored accounts receivable ageing reports and followed up on overdue accounts.
- Performed debt collection activities and maintained regular communication with customers regarding outstanding balances.
- Processed and allocated customer payments accurately against outstanding invoices.
- Maintained accurate and up-to-date customer account records and supporting documentation.
- Access Group of Australia
Senior Collections Specialist
Finstro Holdings Pty Ltd (Australia)
12.2019 - 06.2023
- Managed invoicing and accounts receivable collections to ensure timely and accurate payment of outstanding accounts.
- Reconciled customer accounts and investigated and resolved payment discrepancies.
- Managed mercantile accounts, including follow-up and collection activities for overdue balances.
- Monitored accounts receivable ageing reports and prioritized collection activities based on account status.
- Conducted collections on accounts 30 to 90 days past due, maintaining regular communication with customers to arrange payment.
- Set up payment plans and negotiated settlement arrangements with clients, including requests for discounts in exchange for lump-sum payments.
- Endorsed severely overdue or unresolved accounts to third-party collection agencies in accordance with company procedures.
- Managed customer accounts associated with Finstro Cards, including flexible repayment options that allowed customers to convert purchases into 3- or 6-month instalment terms.
- Reviewed customer payment history and credit standing when assessing requests for credit limit increases.
- Submitted and coordinated credit limit increase requests for approval based on customer payment performance and account history.
- Maintained accurate customer account records and documentation throughout the collections process.
- (Australia)
Collections Specialist
NV Group Holding Pty Ltd (NV Lawyers)
07.2018 - 08.2019
- Managed debt recovery and collections on behalf of third-party clients, including Bank of Queensland, Telstra, and AGL.
- Negotiated payment arrangements and payment plans with debtors to facilitate the recovery of outstanding balances.
- Maintained detailed and accurate records of customer interactions, payment arrangements, and collection activities.
- Conducted skip tracing to locate debtors and obtain updated contact information.
- Monitored collection progress and prepared updates on account status and recovery outcomes.
- Liaised with lawyers regarding accounts requiring legal action, providing relevant account information and collection history for review.
- Escalated complex or unresolved accounts to the appropriate team for further action.
- (NV Lawyers) (Australia)
Collections Officer
Kinetic Inc. (CovAU Energy)
05.2015 - 06.2018
- Managed invoicing and collections for energy accounts in Australia, ensuring accurate billing and timely payment of outstanding balances.
- Ensured billing and collection activities were handled in accordance with Australian regulations and company policies.
- Reconciled customer accounts and investigated and resolved billing discrepancies.
- Addressed customer billing disputes and worked with customers to resolve account issues while maintaining financial accuracy.
- Coordinated with the Disconnections Team regarding accounts that were more than 30 days overdue.
- Created and processed job orders for service disconnections for delinquent accounts in accordance with established procedures.
- Coordinated with internal teams to monitor overdue accounts and support effective debt recovery and account management.
- Assessed customers’ capacity to pay and discussed appropriate payment arrangements and concessions, including potential discounts where applicable.
- Assisted customers with special circumstances and critical electricity needs, coordinating with relevant teams to support the continued supply of electricity in accordance with applicable policies and procedures.
- (CovAU Energy)
Education
Bachelor of Science - Psychology
Colegio de San Lorenzo
01-2015
Skills
Accounts Receivable Management
Credit Checks & Credit Assessment
Debt Collections
Payment Allocation & Reconciliation
Direct Debit Reconciliation
Contract Processing & Management
Rental Finance Operations
Customer Account Management
Credit & Collections
Payment Management
Financial Administration
Contract Variations & Equipment Returns
Cross-Functional Coordination
Strong Analytical & Problem-Solving Skills
Communication & Negotiation Skills
Ability to Meet Deadlines
Ability to Work Under Pressure
Timeline
RIT Finance Coordinator (Independent Contractor)
Caterlink (Rent-it-Today) Australia
08.2024 - 10.2026
Accounts Receivable Officer
Emapta (Access Group of Australia)
07.2023 - 07.2024
Senior Collections Specialist
Finstro Holdings Pty Ltd (Australia)
12.2019 - 06.2023
Collections Specialist
NV Group Holding Pty Ltd (NV Lawyers)
07.2018 - 08.2019
Collections Officer
Kinetic Inc. (CovAU Energy)
05.2015 - 06.2018
Bachelor of Science - Psychology
Colegio de San Lorenzo