Open to opportunities

Sarah User

@sarahuser22

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Finance & credit management analyst specializing in risk, compliance, and AR automation.

Malaysia

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What I'm looking for

I’m looking for a role in risk & compliance or credit operations where I can automate AR workflows, strengthen controls (SOx/IFRS), and partner with stakeholders to reduce fraud and bad debt while improving reporting accuracy and efficiency.

I’m a finance & credit management analyst with 6+ years specializing in credit risk, compliance, and process optimization across the FMCG and audit environments. I focus on protecting operational accuracy and financial visibility through disciplined AR/AP controls, reconciliation rigor, and governance that reduces fraud exposure and credit losses.

At British American Tobacco, I’ve owned accounts receivable credit management for Australia, New Zealand, and Pacific Islands—monitoring AR aging, driving dispute resolutions, and supporting month-end closing activities. I improved reconciliation efficiency by 25% through structured tracking templates, reduced outstanding AR balances by 15% via daily direct debit proposals and reconciliations, and strengthened credit governance by preparing Credit Committee decks aligned to SOx and non-SOx reporting standards.

I’m especially proud of automation-driven results: I partnered with IT and business teams to automate Direct Debit Proposal workflows for the New Zealand market, cutting manual processing time by 40% and improving cash flow visibility. I also converted Excel-based dispute management into Salesforce to enable real-time monitoring and eliminate redundant reporting, improving efficiency by 30%, and I built a credit limit template macro that reduced analyst preparation time from hours to minutes—backed by my Lean Six Sigma Yellow Belt training and continuous improvement mindset.

Experience

Work history, roles, and key accomplishments

Current

Senior Key Accounts Officer

Current

British American Tobacco

Oct 2024 - Present (1 year 7 months)

Managed key customer accounts across New Zealand, Papua New Guinea, and Samoa, driving timely debt recovery through weekly reconciliations and collections follow-up. Prepared Credit Committee decks and supported SOx/non-SOx reporting while improving reconciliation efficiency by 25%.

Accounts Receivable Credit Risk Management Collections Credit Committee SOX Compliance Dispute Resolution Salesforce Stakeholder Management

Senior Finance Analyst

British American Tobacco

Jan 2020 - Oct 2024 (4 years 9 months)

Oversaw credit portfolio management for Australia and New Zealand, ensuring compliance with Credit Policy and minimizing order block incidents. Led direct debit proposals and reconciliations, reducing outstanding AR balances by 15% and improving dispute management via Salesforce.

Accounts Receivable Portfolio Management Credit Dispute Management Salesforce Risk Analysis

Junior Finance Analyst

British American Tobacco

Feb 2019 - Jan 2020 (11 months)

Processed APAC invoices, debit notes, and credit notes in line with SOPs and tax requirements, supporting accurate financial posting. Standardized invoice processing to improve OCR efficiency and reduce data entry errors by 20%, and prepared withholding tax documentation for audit reference.

Accounts Payable Invoice Processing Tax Documentation OCR (Perceptive Intelligent Web Verifier)Lean Six Sigma MS Excel Process Optimization

Audit Associate

Ecovis Malaysia PLT

Feb 2018 - Oct 2018 (8 months)

Conducted financial audits for SMEs across trading and property sectors, ensuring compliance with IFRS, MFRS, and MPERS. Drafted audited financial statements under the Companies Act 2016 and improved audit documentation and turnaround efficiency.

Financial Audit IFRS Financial Statement Preparation Compliance Client Liaison

Internal Audit Associate

PKF Advisory Sdn Bhd

Jul 2017 - Feb 2018 (7 months)

Supported internal control reviews by preparing process flowcharts, performing risk assessments, and testing control effectiveness. Identified operational gaps and contributed to improvements that reduced audit observation points by 15%.

Internal Audit Internal Controls Risk Assessment Flowcharting Control Effectiveness Audit Readiness Issue Remediation

Tax Intern

Kenneth David & Co.

Mar 2016 - Sep 2016 (6 months)

Prepared personal and corporate tax computations for 100+ clients, ensuring LHDN compliance and supporting tax clearance documentation. Handled e-Filing and improved the workflow to reduce average filing time by 10%.

Corporate Tax LHDN Compliance E Filing Tax Clearances Client Communication Audit Support