Simone User
@simoneuser1
Finance operations professional specializing in AR, billing, and credit analysis with automation-driven impact.
What I'm looking for
I’m a finance operations professional with 15+ years in multinational financial services, focused on accounts receivable, billing, and credit analysis. I’ve managed AR portfolios up to $2B while keeping collections on track and payment blockers resolved.
At Google, I helped deliver measurable efficiency gains by implementing automation that reduced daily billing effort by 80%. I bring a strong analytical mindset—reviewing workflows end-to-end, identifying inefficiencies, and turning insights into practical improvements.
In my current role at CARMA (Cash & AR Management), I lead regional AR operations for South and Central Europe, managing a strategic portfolio of approximately $400M USD and overseeing a $2B USD regional portfolio. I’ve also proposed and implemented a reorganization of the EMEA AR portfolio into 4 sub-regions to improve operational efficiency.
I’m comfortable leading cross-functional and outsourced teams, handling escalations, and acting as a primary point of contact for key customers. I’m at my best when aligning stakeholders, automation, and service delivery to improve accuracy, cash flow, and cost efficiency.
Experience
Work history, roles, and key accomplishments
Reorganized the EMEA AR portfolio into four sub-regions to improve operational efficiency, while leading AR operations for South and Central Europe and managing a ~$2B USD regional portfolio. Supervised an outsourced team, handled escalations, and served as primary point of contact for key customers to drive timely collections and resolve payment blockers.
Implemented automation for billing intake operations, reducing daily billing effort by 80%. Led finance process automation and workflow optimization projects, and managed global outsourcing and outsourced team delivery to maintain compliant, accurate daily billing.
Managed global B2B billing operations overseeing ~$3B USD in invoicing, reconciling shipped warehouse units with SAP bookings to ensure accuracy. Resolved billing bottlenecks, tracked KPIs, and developed reporting dashboards and metrics to drive monthly performance improvements.
Billing and Credit Analyst
CPL Jobs Ireland
Mar 2016 - Aug 2017 (1 year 5 months)
Reconciled open AR balances and partnered with AR divisions to resolve discrepancies, preparing monthly/quarterly reconciliation statements for customers. Designed and implemented spreadsheet tools for reporting and monitoring, and resolved complex billing issues by coordinating across corporate business units.
Managed the largest UPS customer in Europe (Amazon EU SRL) with 400+ accounts, investigating and resolving payment issues while ensuring collections followed credit policy to reduce DSO. Audited rate cards and contracts to prevent incentive and billing problems, and delivered weekly/monthly and ad hoc balance reporting.
Performed quality audits of internal credits and debits for the FCR division and prepared weekly/monthly reports under strict deadlines. Updated audit guidelines, supported team execution of daily work, and processed data using Excel spreadsheets and macros while mentoring team members on UPS policies and procedures.
Billing Customer Service Rep
FCR IT Team
Mar 2010 - Sep 2011 (1 year 6 months)
Handled inbound customer calls, identified billing issues, and coordinated with internal departments to resolve queries efficiently and on time. Performed credit/debit calculations and billing analysis using Excel spreadsheets and macros, including recalculating discounts/prices for a strategic Italian customer.
Education
Degrees, certifications, and relevant coursework
High Secondary School
High Secondary School Diploma (Industrial Technical Expert), Information Technology
2004 - 2005
Earned a High Secondary School Diploma as an Industrial Technical Expert, specializing in IT.
Secondary Education
Secondary Education (IT), Information Technology
1999 - 2004
Completed secondary education with a specialization in IT, covering subjects such as computer systems, data processing, and probability calculations.
Google Data Analytics Certificate, Data Analytics
Completed the Google Data Analytics certificate program.
LinkedIn Learning
LinkedIn Learning SQL Courses, SQL
Completed additional LinkedIn Learning and SQL courses to support technical and analytics skills.
Tech stack
Software and tools used professionally
Availability
Location
Authorized to work in
Social media
Job categories
Skills
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