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Meghana MU

Accounts Receivable Specialist | cash application expert/ SAP S/4HANA | Cash Application | 4.8 Yrs | IBM | Open to Work

Greater Bengaluru Area

4+ years of work experience

IBM
Oct 20241 yr 7 mosApr 2026

Bengaluru

• Creating business accounts for retail customer using RIMS application and conducting credit checks. • Conducting a thorough credit examination to measure customer creditworthiness. • Establish and maintain the credit policies in alignment with organizational goals. • Maintaining existing customer accounts in RIMS. • Responsible for clearing On Accounts and suspense account on daily basis. • Working on Electronic Bank Statement on daily basis. • Handling the manual clearing of retained payments against the customers on outstanding invoices in SAP. • Handling dunning Block activities. • Issuing invoices to the non-retail customers in SAP. • Performing chargebacks on dispute payments and write off activity. • Performing MEC activities to close balance sheet reconciliation on various G/L on black line.
IBM India Private Limited
Oct 20241 yr 7 mosApr 2026

• Applied wire, ACH, and cheque payments via lockbox with 99.8% accuracy to customer accounts. • Processed approximately 160+ cash transactions daily, handling high-value cash receipts ranging from $0.5M to $3M per day. • Reduced unapplied and unidentified cash balances through detailed research, analysis, and cross-functional coordination. • Contributed to reducing AR aging more than 60 days by ensuring timely and accurate application of payments against open invoices. • Investigated and resolved payment discrepancies including short payments and overpayments within defined SLAs. • Performed 50 to 100 customer account reconciliations per month, identifying and correcting misapplied payments. • Supported month-end close activities by completing cash postings within SLA, improving MEC close efficiency. • Maintained 100% compliance with internal audit requirements related to cash application and documentation. • Implemented process improvements that reduced manual intervention by 20 to 35%, increasing overall team productivity. • Created, validated, and maintained customer master data ensuring data accuracy and compliance with business controls. • Performed credit risk assessments and evaluated customer creditworthiness to support informed credit decisions. • Approved and managed credit limits for new and existing customers based on risk analysis and policy adherence. • Handled customer queries and provided resolutions within defined turnaround time. • Executed dunning blocks for prepaid customers to prevent incorrect billing and unnecessary collection follow-ups. • Created and issued debit notes and credit notes, ensuring accurate and timely customer invoicing.
Infosys BPM
Dec 20212 yrs 9 mosAug 2024

Bengaluru, Karnataka, India

• Download and maintain bank statements and remittance advice. • Categorize incoming payments based on payment mode (Ach,Wire,Cheque) • Apply incoming payments to the corresponding customer invoices in the system. • Post unidentified payments to the suspense account if remittance details are unavailable. • Move payments from suspense accounts to customer accounts. • Resolve customer disputes related to invoices and payments. • Responsible for Infoweb (Payments move, Reversal, Baddebts Write off, payment queries) • Responsible for Cash application correction form.
Infosys BPM
Dec 20212 yrs 9 mosAug 2024

• Downloaded and maintained bank statements and remittance advice for daily processing. • Processed and accurately applied high-volume customer payments including checks, ACH, wires, and cheque transactions. • Investigated and resolved overpayments, short payments, and unidentified payments, ensuring timely clearance of suspense accounts. • Resolved customer payment disputes and coordinated with internal teams for issue resolution. • Handled Info Web activities including payment movements, reversals, bad debt write-offs, and query resolution. • Performed bank and account reconciliations to ensure completeness and accuracy of cash postings. • Handled cash application corrections and contributed to improved reconciliation accuracy.
Alchemy Techsol
Jun 20214 mosSep 2021

Payroll company: Alchemy
Alchemy Techsol India Pvt Ltd (Contract)
Jun 20214 mosSep 2021

Supported Order to Cash operations, invoice processing, and payment reconciliation.

Education

Global Institute of Management Sciences, Bangalore

Master of Business Administration, Finance, General

Global Institute of Management Sciences, Bangalore

20172 yrs2019
Siddaganga Institute of Technology

Bachelor of Commerce, Finance, General

Siddaganga Institute of Technology

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Headline

Accounts Receivable Specialist | cash application expert/ SAP S/4HANA | Cash Application | 4.8 Yrs | IBM | Open to Work

About

Results-driven Accounts Receivable & O2C professional with 4.8 years of experience at IBM and Infosys BPM. Specialized in cash application, payment reconciliation, SAP S/4HANA, and month-end close. Processed 160+ daily transactions with 99.8% accuracy and maintained 100% audit compliance. Core skills: AR operations · Cash posting · SAP GUI · Lockbox · Unapplied cash resolution · Account reconciliation · SLA/KPI reporting 📍 Bengaluru | Open to AR, O2C, and Finance Operations roles

Location

Greater Bengaluru Area

Work experience

Process delvery specialist - lead to cash at IBM, Oct 2024 - Apr 2026 · 1 yr 7 mos, Bengaluru, • Creating business accounts for retail customer using RIMS application and conducting credit checks. • Conducting a thorough credit examination to measure customer creditworthiness. • Establish and maintain the credit policies in alignment with organizational goals. • Maintaining existing customer accounts in RIMS. • Responsible for clearing On Accounts and suspense account on daily basis. • Working on Electronic Bank Statement on daily basis. • Handling the manual clearing of retained payments against the customers on outstanding invoices in SAP. • Handling dunning Block activities. • Issuing invoices to the non-retail customers in SAP. • Performing chargebacks on dispute payments and write off activity. • Performing MEC activities to close balance sheet reconciliation on various G/L on black line.

Process Specialist at IBM India Private Limited, Oct 2024 - Apr 2026 · 1 yr 7 mos, • Applied wire, ACH, and cheque payments via lockbox with 99.8% accuracy to customer accounts. • Processed approximately 160+ cash transactions daily, handling high-value cash receipts ranging from $0.5M to $3M per day. • Reduced unapplied and unidentified cash balances through detailed research, analysis, and cross-functional coordination. • Contributed to reducing AR aging more than 60 days by ensuring timely and accurate application of payments against open invoices. • Investigated and resolved payment discrepancies including short payments and overpayments within defined SLAs. • Performed 50 to 100 customer account reconciliations per month, identifying and correcting misapplied payments. • Supported month-end close activities by completing cash postings within SLA, improving MEC close efficiency. • Maintained 100% compliance with internal audit requirements related to cash application and documentation. • Implemented process improvements that reduced manual intervention by 20 to 35%, increasing overall team productivity. • Created, validated, and maintained customer master data ensuring data accuracy and compliance with business controls. • Performed credit risk assessments and evaluated customer creditworthiness to support informed credit decisions. • Approved and managed credit limits for new and existing customers based on risk analysis and policy adherence. • Handled customer queries and provided resolutions within defined turnaround time. • Executed dunning blocks for prepaid customers to prevent incorrect billing and unnecessary collection follow-ups. • Created and issued debit notes and credit notes, ensuring accurate and timely customer invoicing.

Assistant Accountant at Infosys BPM, Dec 2021 - Aug 2024 · 2 yrs 9 mos, Bengaluru, Karnataka, India, • Download and maintain bank statements and remittance advice. • Categorize incoming payments based on payment mode (Ach,Wire,Cheque) • Apply incoming payments to the corresponding customer invoices in the system. • Post unidentified payments to the suspense account if remittance details are unavailable. • Move payments from suspense accounts to customer accounts. • Resolve customer disputes related to invoices and payments. • Responsible for Infoweb (Payments move, Reversal, Baddebts Write off, payment queries) • Responsible for Cash application correction form.

Junior Accountant at Infosys BPM, Dec 2021 - Aug 2024 · 2 yrs 9 mos, • Downloaded and maintained bank statements and remittance advice for daily processing. • Processed and accurately applied high-volume customer payments including checks, ACH, wires, and cheque transactions. • Investigated and resolved overpayments, short payments, and unidentified payments, ensuring timely clearance of suspense accounts. • Resolved customer payment disputes and coordinated with internal teams for issue resolution. • Handled Info Web activities including payment movements, reversals, bad debt write-offs, and query resolution. • Performed bank and account reconciliations to ensure completeness and accuracy of cash postings. • Handled cash application corrections and contributed to improved reconciliation accuracy.

Process Executive at Alchemy Techsol, Jun 2021 - Sep 2021 · 4 mos, Payroll company: Alchemy

Accounting Analyst at Alchemy Techsol India Pvt Ltd (Contract), Jun 2021 - Sep 2021 · 4 mos, Supported Order to Cash operations, invoice processing, and payment reconciliation.

Education

Master of Business Administration, Finance, General, Global Institute of Management Sciences, Bangalore

Bachelor of Commerce, Finance, General, Siddaganga Institute of Technology