Vishal Choudhury

About Vishal Choudhury

What do you do when a client defaults and regulation changes - all in the same week?You stay calm, look at the data, talk to the right people, and fix what you can. That’s the kind of work I’ve grown into : managing credit risk, recovering funds, solving financial roadblocks, and keeping operations steady even in unpredictable situations. I’ve worked through banking downtimes, regulatory pivots, and tight month-ends. What stayed constant? The need for clear thinking and quiet execution.I\'ve led B2B credit and collections strategy across APAC : recovering high-risk delinquencies, optimizing AR/AP cycles, and overseeing $16M+ portfolios. I\'ve worked closely with banking partners, PSPs, and internal teams to move funds, manage reconciliations, resolve stuck payments, and ensure full audit compliance across currencies and markets. Along the way, I’ve built SOPs, led bank and wallet onboarding (DBS, ANZ, Aspire, Airwallex, Mercury, and more), and helped scale finance operations that don’t fall apart when the team changes or the market shifts.I enjoy roles where I can work at the core of finance and credit—where operational control and risk thinking go hand in hand. I’m especially drawn to environments where people take ownership, build things from scratch, and solve problems that aren\'t always black and white.I’m interested in long-term games with thoughtful people. So, if you\'re building something in fintech, cross-border finance, credit operations, or payments, I’d love to connect.

Experience

1. Accounts Receivable Manager

   Labelbox

   Oct 2025 — Present · San Francisco, CA, US

   Lead the end-to-end A/R function for global SaaS business, owning billing, collections, cash application and dispute resolution.2. Drive accurate subscription, renewal, and usage-based billing while upporting clean revenue recognition.3. Improve aging performance and reduce DSO through data-driven collection strategies.4. Build scalable A/R processes, automations, and reporting frameworks.5. Cross-functional partnership with RevOps, Sales, AEs & Legal for contracts, billing and customer communication.6. Credit Risk and Policy management.7. Support global revenue recognition and audit-ready documentation.8. Contribute to broader finance operations maturity by applying experience from credit risk, multi-currency reconciliation, and process scaling.

Education

• Indira Gandhi National Open University (IGNOU), Delhi

  Master of Commerce, International Business/Trade/Commerce

• Delhi University

  Bachelor of Commerce - BCom, Accounting and Finance