Credit Today is the fastest growing publication in the credit field, favored by more and more top credit executives. We cover the world of business, or trade credit, with concise, yet in-depth, reporting. We also publish the most in-depth salary survey in the industry, covering all major credit positions.Credit Today is the fastest growing publication in the credit field, favored by more and more top credit executives. We cover the world of business, or trade credit, with concise, yet in-depth, reporting. We also publish the most in-depth salary survey in the industry, covering all major credit positions.   
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Our Subscribers Say...

I think Credit Today is fantastic. You cover many practical topics in the credit field that I use regularly. Just one recent example—a conversation on the ListServ about preferential payments—gave me tips that I used in an actual case. The specific information I picked up from this one discussion saved me $10,000, enough to cover my membership for many years!
- Steve Savino
Manager of Credit & Collections, ASSA Abloy Americas Division, New Haven, CT

Credit Today's Resource Directory and their online e-mail forum (ListServ) provide information on almost any credit-related topic you can think of. It is a great way to exchange information with other credit professionals. As the saying goes, "You don't know what you don't know."
- Scott Goen, Credit Manager, Big Lots Stores, Inc., Wholesale Division

"We've recently started using the ListServ tool within Credit Today. This is phenomenal and powerful forum for gaining immediate feedback, ideas, and suggestions, relative to any credit topic under the sun, all in a real-time e-mail format."
-Javier Vela, Senior Credit Manager, Global Credit Services, JDA Software Group Inc.

"Being a part of the Credit Today online community is like having the expertise of hundreds of credit managers at your fingertips. These credit execs are willing to help you solve topical business issues as they arise. In the current environment of ever increasing competing priorities which reduce our opportunities to meet peers out of the office face-to-face, this is the most valuable tool you can have on your desktop! It's important that we have a mechanism to reach out to our counterparts quickly to exchange knowledge as well as to stay on top of industry trends."
- Victoria Artis, Director of Customer Financial Services, Pfizer, Inc.

"Over the last 10 years I've seen Credit Today evolve from a monthly credit publication into a quality source of information and guidance for the B2B credit community. The website, with its user friendly form downloads, will take you from examples of new account credit applications to bankruptcy forms and everything in between.

The Credit Today ListServ has become the pre-eminent online forum, providing an opportunity for discussion and comments (and occasional humor) from an impressive list of credit professionals."
David Dungan, Director of Credit
Justin Brands, Inc. (A Berkshire Hathaway company)
Fort Worth, Texas

"There are numerous credit periodicals available to the credit professional today. How good is Credit Today? Is it relevant? I always have to read it late, or online because my credit analysts want to read it the minute it comes in. When my staff wants to read a publication before I have a chance to read it then something is working in that publication. We have cancelled our other subscriptions. When you have the best you do not need the rest."
Ron Woods
Corporate Credit Manager-World Wide
Thales Navigation, Inc.

"The newsletter, coupled with the website and the ListServ, are to us, more valuable than any other credit publication, bar none. I try to use at least one article out of each newsletter for departmental training/discussion sessions."
D. Mark Constantine
Corporate Credit Mgr
Fulton Paper Company

"I love Credit Today and read every issue cover to cover. For me, the greatest perk of a subscription is ListServ. I believe Credit Today's ListServ members may be the most knowledgeable Credit brain trust in existence today. I have saved and categorized hundreds of contributions on a wide variety of topics which I refer to often. It's an easy and cost effective way to network and learn."
Doug M. Thomas
Kimberly-Clark Customer Financial Services

ICTF Global Symposium

Leadership Profile: Javier Vela, Senior Credit Manager, Global Credit Services, JDA Software Group Inc.


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"We've recently started using the ListServ tool within Credit Today. This is phenomenal and powerful forum for gaining immediate feedback, ideas, and suggestions, relative to any credit topic under the sun, all in a real-time e-mail format."
-Javier Vela, Senior Credit Manager, Global Credit Services, JDA Software Group Inc.

Credit Philosophy
Without question, being able to work with people at all different levels and from all walks of life are critical success factors in today's growing global and diverse economy. One of the key initiatives at JDA has been DSO reduction and cash generation, and our achievements have come through a very focused and motivated team that understands the importance of relationships, teamwork and communication. I also believe in the "work hard, play hard" adage. Consequently, we make it a point to celebrate accomplishments in a fun and competitive environment.

Personal

  • Married to Suzanne for 20 years
    • 19-year old daughter Catalina, and 16-year old daughter Veronica. They all keep me insane.

    Professional

    • Credit Research Foundation (CRF) Member
    • Finance Credit International Business (FCIB) Member
    • National Association of Credit Managers (NACM) Member

    Interests & Hobbies

    • I was fortunate to have grown up overseas, so I am somewhat of a gypsy at heart and love to explore the world.
    • Thoroughly enjoys slaving over a stove and cooking for friends and family over wine, music, and fun conversation
    • Reading and exercising as time permits

    Education

    • B.A., International Relations & Latin American Studies, Kent State University, 1981
    • Certified International Credit Professional (CICP) through FCIB/NACM
    • Fluent in Spanish, English, Portuguese, Italian, and enough French to get by in my travels

    Career Highlights

    • Senior Global Credit Manager, JDA Software Group Inc., Scottsdale, AZ, 2007 - present
    • International Credit Manager, Lyondell Chemical Company Inc., Houston, TX, 2000-2007
    • Corporate Credit Manager, Emerson Electric Company, St. Louis, MO,1998 - 2000
    • Corporate Credit Manager, Kerr McGee Chemical, Oklahoma City, OK, 1991-1998



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  •  This Month's Survey

    Cash Application Processing

    This month we dig in on...
    • How are payments are being received today? - What percentages are being accepted at lock boxes, payment portals, remote data capture (RDC), vs. electronic data interchange (EDI)
    • In what form are payments being received? - What percentage from checks, ACH, wire, credit card, etc.
    • What percent of credit departments are using auto-cash software
    • What automatic "hit rates" are for applying checks
    • How long it takes to apply payments
    Plus much more... If you're as interested in these results as we are, then please click here to participate!

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