Karen Cristine Calipjo
Senior Accounts Receivable Analyst
SUMMARY:
Results-driven Accounts Receivable professional with 20+ years of experience in billing, collections, and bookkeeping across SaaS, B2B, and B2C environments. Proven ability to reduce aging balances, improve cash flow, and manage complex, high-risk portfolios across APAC, EMEA, and AMER regions.
QuickBooks Pro Certified, with strong expertise in full-cycle AR, reconciliation, dispute resolution, and financial reporting. Known for delivering measurable results in reducing overdue receivables while maintaining strong client relationships.
Core Competencies:
Accounts Receivable & Billing Management
B2B & B2C Credit & Collections Strategy
SaaS & Subscription Revenue Operations
Chargebacks, Invalid Clicks & Dispute Resolution
Cash Application, Reconciliation & GL Alignment
Forecasting, Risk Reporting & Cash Flow Optimization
Month-End Close Support & Internal Controls
Process Improvement & Workflow Efficiency
Accounts Receivable, Billing, Bookkeeping – Key Responsibilities & Impact
Managed high-volume aging portfolios, consistently reducing past-due balances and improving cash flow
Executed structured collection strategies to accelerate payment cycles and strengthen recovery rates
Negotiated payment arrangements while protecting revenue and preserving client relationships
Ensured invoice accuracy to prevent billing errors and revenue leakage
Posted and applied payments (Wire, ACH, Lockbox), minimizing unapplied cash and reconciliation discrepancies
Performed detailed account reconciliations, identifying root causes of variances and maintaining ledger accuracy
Collaborated with Deal Desk, Accounting, Revenue Operations, Sales, and Renewals to resolve complex billing disputes
Issued credit memos and processed refunds in compliance with internal controls and audit standards
Supported write-off analysis through data-driven evaluation and documentation
Maintained accurate CRM records and collection notes for transparency and audit readiness
Supported month-end closing activities, ensuring AR subledger alignment with the general ledger
Contributed to process improvement initiatives to enhance efficiency and strengthen internal controls
Prepared weekly AR and collections reports highlighting aging trends and risk exposure
Transaction Categorization
Expense & Income Tracking
Bank Reconciliation
Creation of Special Reports such as recurring special reports (e.g., vendor reports, income summaries, PDC, Contribution Reports).
Generating monthly recurring invoices, time based, Usage-Based Billing, Progress / Milestone Billing, Fixed Billing, Per-Unit Billing, Retainer Billing, Prepaid & Post Paid Billing and Hybrid.
Weekly Inventory and to ensure Cost of Goods Sold (COGS) and Stock on Hand assets are accurate.
Accounting & AR Systems
NetSuite | SAP | Oracle | Sage Intacct | QuickBooks (Pro Certified) | QuickBooks Desktop| Zuora | Chargebee | Workday | Salesforce | Stripe | BILL (
-----------) | Tesorio | Cforia | HighRadius | FreshBooks | Zendesk | Aspire | ServiceChannel | Odoo | SharePoint |
Vendor & Billing Portals
----------- | Tipalti | Ariba | Basware | Coupa | Ramp | Taulia | Oracle Supplier Network | GEP | AvidXchange
Collaboration & Productivity Tools
Advanced Microsoft Excel | Microsoft Office Suite | Google Workspace | Slack | Microsoft Teams | Zoom
PROFESSIONAL EXPERIENCE
Onlinejobs.ph – Remote Collections Specialist – Cleaning Services | Present
Manage billing and invoicing through QuickBooks
Post payments and perform detailed account reconciliations
Monitor aging reports and AR balances to ensure timely collections
Handle customer inquiries and resolve billing discrepancies
Execute collection strategies to recover overdue balances
Maintain accurate communication records via Freshdesk
Upwork – RemoteAccounts Receivable Analyst | B2B / Manufacturing & Trades
Manage AR portfolio ensuring timely collections and account reconciliations
Monitor overdue balances and implement targeted recovery strategies
Maintain accurate financial records in QuickBooks and Chargebee
Apply payments in QuickBooks and reconcile balances in Chargebee
Issue manual dunning notices for accounts 60+ days overdue
Update AR dashboards and prepare reports for management review
Upwork – Remote Debt Collection Specialist | B2C / Rental
Manage accounts in breach of contract, including deposits and outstanding balances
Initiate collections via phone (OpenPhone),
email, and written correspondence
Negotiate payment plans and settlement agreements
Maintain accurate documentation in Yardi and
----------- Coordinate with legal counsel for escalated or litigation cases
Ensure compliance with applicable laws and company policies
Provide regular status and recovery reports to management
Workiva (via Upwork)Accounts Receivable Analyst – SaaS
Managed AR portfolio and ensured timely collection of outstanding balances
Contacted clients via phone and
email to resolve overdue invoices and discrepancies
Maintained accurate collection records and payment arrangements in QuickBooks
Collaborated with Sales and Customer Success to resolve billing issues
Prepared reports on aging accounts and cash flow projections
Reconciled customer accounts and escalated accounts for suspension when necessary
Implemented process improvements aligned with industry best practices
Zendesk Inc. Senior Collections Analyst | May 2020 – November 2025
Led management of a high-volume, complex, and high-risk global portfolio
Managed AR portfolio and ensured timely collection of outstanding balances
Maintained accurate collection records and payment arrangements and logged disputes and managed tickets resolution.
Performed in-depth reconciliations of invoices, credits, payments, and memos
Partnered with Sales, Legal, Finance Ops, and Renewals to resolve billing disputes
Provided recommendations on suspensions, cancellations, write-offs, and reactivations
Improved collections workflows and maintained audit-compliant documentation
Pearson Education Senior Credit and Collections Analyst | December 2018 – May 2020
Managed large B2B customer portfolio to minimize past-due balances
Conducted proactive outreach to secure payments and resolve disputes
Issued credit memos and processed small balance write-offs
Coordinated with Customer Service, Sales, and Cash Application teams
Generated detailed aging reports to prioritize 90–180 day accounts
Supported month-end closing including clearing unapplied credits
Willis Towers Watson Credit and Collections Analyst | February 2018 – July 2018
Oversaw the North America ledger, ensuring client invoices were paid within contractual terms.
Conducted proactive outreach to secure payments and resolve disputes
Issued credit memos and processed small balance write-offs
Coordinated with Customer Service, Sales, and Cash Application teams
Generated detailed aging reports to prioritize 90–180 day accounts
Supported month-end closing including clearing unapplied credits
Accounts Receivable Specialist – Google Ads Account Arvato Corporation | 2017 – 2018
Managed end-to-end AR operations for Google Ads advertiser portfolio
Resolved disputes involving invalid clicks, IVT adjustments, chargebacks, and deductions
Coordinated with Google support teams to validate credit adjustments
Analyzed chargeback trends to minimize revenue leakage
Performed reconciliations to maintain clean aging reports
Prepared AR forecasts and identified high-risk accounts
Supported month-end close and subledger reconciliation
Contributed to workflow improvements reducing dispute cycle times
American Express Senior Collections Specialist | January 2016 – February 2017
Managed corporate card accounts and negotiated structured payment plans
Resolved customer disputes and escalated fraud-related concerns
Processed payments and managed account suspensions/reactivations, chargebacks, refunds.
Xerox Business Shared Services Senior Collections Specialist (O2C) | July 2013 – December 2015
Prioritized and managed AR accounts by dollar value, aging, and risk to maximize collections efficiency.
Applied credits and reconciled accounts timely in coordination with clients.
Communicated regularly with customers and sales teams to resolve payment delays and disputes.
Executed skip tracing for unresponsive accounts and prepared detailed collections status reports.
Coordinated escalations and write-offs in compliance with company policies.
Infosys BPO Limited Collections Specialist | April 2014 – July 2014
Maintained AR accounts by collecting past due invoices and documenting activities in SAP.
Responded promptly to client requests for documentation, including invoice copies and statements.
Collaborated with billing and sales teams to resolve AR discrepancies.
Prepared monthly reports for management assessment.
Genpact Services, LLC Collections Representative / Process Developer May 2009 – April 2013
Contacted customers to collect overdue balances and negotiated payment arrangements.
Documented all collections activities and account updates using SAP and Collections Tool.
Identified and reported suspected fraudulent activities.
Delivered excellent customer service while managing credit decisions and payment processing.
Verified
