Open to opportunities

Nikhil Bharadwaj

@nikhilbharadwaj

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Credit & Collections Analyst with 7 years improving cash flow through AR excellence.

India

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What I'm looking for

I’m looking to continue in Credit & Collections/AR roles where I can manage high-volume portfolios, reduce aging receivables, and improve cash flow using strong dispute resolution and stakeholder collaboration across global markets.

I’m a results-driven Accounts Receivable (AR) and Credit & Collections professional with 7 years of experience across global organizations. I specialize in credit risk assessment, dispute resolution, cash application coordination, and end-to-end Order-to-Cash (O2C) processes, with a strong focus on reducing aging receivables and improving cash flow.

In my recent role as a Salesforce Credit & Collections Analyst (AR), I manage collections for Indian customers through calls and emails and drive structured strategies across aging buckets. I handle GST and TDS calculations (2% / 10%), provide HSN codes, validate Purchase Orders (POs), amend invoices based on customer requests, and collaborate across tax, sales operations, order management, and finance to resolve issues quickly.

Previously at Harsco India and Carrier Technologies, I supported US, EMEA, Germany, and Canada portfolios—reviewing customer credit history daily, managing credit holds (On-Hold/Off-Hold), and releasing accounts based on payment status. I also resolved complex billing and payment allocation issues, investigated unapplied cash, maintained dispute logs, and delivered weekly AR reports and monthly AR aging reports to prioritize overdue invoices.

I’ve also contributed to measurable improvements, including initiating and executing a project to reduce highly aged receivables (300+ days). I’m recognized for performance and ownership through quarterly awards and special recognitions, and I bring a detail-driven, stakeholder-collaborative approach to every month-end review and audit cycle.

Experience

Work history, roles, and key accomplishments

Credit & Collections Analyst

Salesforce

Jun 2025 - Jun 2026 (11 months)

Managed collections for Indian customers through calls and emails to recover timely payments. Handled GST/TDS calculations and HSN codes, validated purchase orders, amended invoices, monitored bank statements, managed credit holds and disputes, and prepared monthly AR reporting.

Collections Credit Risk Management GST & TDS (2% 10%)Invoice Amendment Dispute Resolution Root Cause Analysis Invoicing

Credit & Collections Analyst

Harsco India Pvt Ltd

Jan 2023 - Aug 2024 (1 year 7 months)

Handled US customer credit and collections activities, including follow-ups on outstanding and past-due invoices and daily review of customer credit history. Managed credit holds, resolved disputes, coordinated payment allocation and posting with cash application, supported billing/tax issue resolution, and led a project to reduce highly aged receivables.

Collections Credit History Dispute Resolution Unapplied Cash Analysis Cash Application Account Reconciliation PO Discrepancy Resolution Issue Resolution

Senior Analyst - Accounts Receivable

Carrier Technologies

Apr 2022 - Jan 2023 (9 months)

Managed high-volume aged receivables and executed outbound collections calls to recover delinquent accounts. Produced weekly/monthly AR reports, maintained dispute logs, supported AR audit activities, and handled tax-exempt customer compliance and contract verification for correct follow-ups.

Outbound Calling Dispute Log Maintenance Tax Exempt Account Verification Contract Details Verification

Accounts Receivables Associate

Clarivate Analytics

Jun 2019 - Apr 2022 (2 years 10 months)

Managed accounts receivable collections across the US, EMEA, Germany, and Canada, including daily credit history reviews and credit hold administration. Resolved complex billing disputes, performed payment application and account reconciliation, generated weekly AR reports, escalated issues via an escalation matrix, and prepared monthly reporting.

Account Receivables Credit History Payment Application Account Reconciliation Billing Disputes Bill To Ship To Corrections Escalation Management Report Preparation

Education

Degrees, certifications, and relevant coursework

David Memorial Institute of Management

Master of Business Administration (MBA), Finance

Grade: 63%

Earned an MBA with a Finance specialization and completed a project on financial derivatives with futures and options at HDFC Ltd. Achieved 63% in the qualification.