Expert Practitioners and Advanced Automation

We apply over 40 years of accounts receivable software implementation and hands-on operations expertise to create the most effective processes for cash application, deduction resolution, collection dunning and credit management. No other company has a better handle on the complexities of these processes.

Our mission is to help you optimize financial results. Whether you use Carixa Cloud Suite yourself or contract us to do it for you, we will use intelligent, field-proven automation to streamline your A/R processes.

Accelerate Cashflow and Profits

We deliver expertise and subject matter knowledge refined by hundreds of successful client engagements. Our goal is to accelerate cash flow and profits with workflow automation and managed services for each client. And our entire operation is 100% based in the USA – operations, software development, cloud hosting, and client services. So you get dedicated, expert support when you need it.

Senior Leadership

Industry specialists and functional experts delivering solutions-minded technology

The Smyyth leadership team brings extensive backgrounds in business process outsourcing (BPO) and cloud software for B2B accounts receivable processes. Our vision is to always think and work cross functionally to support you throughout the entire revenue cycle – Credit, Collections, Deductions Management and Cash Application.

Kristen Metzger
Chief Executive Officer Smyyth LLC

Kristen is responsible for Smyyth's Solutions business. She is an expert in enterprise accounts receivable and revenue cycle optimization through automation and is a Certified Six Sigma Black Belt. Before Smyyth, Kristen served as Sr. Vice President Operations for Creditek, the leading BPO firm in order-to-cash, where she managed operations for numerous Fortune 1000 companies, including CPG and Pharmaceutical, and earlier with Accenture Strategy and Business Architecture. Kristen received a BA in Economics from The University of Vermont and has an MBA in Strategy and Finance from the University of Chicago Graduate School of Business.

Shyarsh Desai
Chief Executive Officer, Carixa

Shyarsh is responsible for Carixa, Smyyth's order-to-cash cloud technology business. From 2012 to 2018, he was CEO of, another Smyyth company, which was a leader in B2B credit decision automation until its sale to a strategic acquirer. Most recently, he served as President of Wellaware, an IoT leader for industrial assets and operations. Earlier in his career, he was Corporate Development Officer at Global Compliance, and Leader, Strategy and Business Development for Dun and Bradstreet, and held solutions leadership roles at IBM. Shyarsh has degrees from the University of Bombay and an MBA from Kellogg School of Management at Northwestern University.

John Metzger

Smyyth's focus is on Carixa cloud software and services to optimize credit, collections, trade promotion management, and deduction management. John was previously Founder, CEO, and Chairman of Creditek Corp., from start-up to the singular leadership position in A/R BPO, and to its ultimate sale. John’s early career positions were as Director of Credit, VP Distribution, and EVP Global Operations in the consumer goods industry, and also led a consultancy. Credit2B, another leading company he founded for automated business credit decisions, was acquired by a strategic acquirer in 2018. He is a graduate of Rutgers University.

Frank Boni
Vice President - Managed Services And Client Operations

Frank is responsible for Carixa Credit-to-Cash SaaS client operations, and outsource and collection operations. Prior to joining Smyyth, Frank had more than 20 years of experience in commercial receivables management, credit, and collections, including serving as Director of Operations and Sales Support for NCO Financial Systems, Inc. Earlier in his career, he served in management capacities with Dun & Bradstreet RMS, and Payco GAC Corp. Frank has a B.S. in Business Administration from Hofstra University.

Andrei Afanassenkov
Chief Technology Officer

Andrei has been a strategic resource to the Smyyth companies since 2006 including leading the development team for Carixa, Smyyth’s modular credit-to-cash automation platform. Andrei has deep experience in FinTech and enterprise technologies, computer simulation, and 3D modeling, and holds a Masters in Mechanical Engineering from Bryansk University. He leads Smyyth's infrastructure and software development activities.

Joseph D'Apolito
Chief Financial Officer

Joe is responsible for finance, corporate planning, and shared service functions for several Smyyth companies. He has over twenty years' management experience in finance, accounting, and administration with large and mid-sized businesses. Earlier in his career, CFO and V.P. Underwriting for PHHC, Director of Health Care Reform at Emblem Health, and CFO of a $5 billion unit of Anthem, as well as the CFO of Empire Roofing. Joe is a graduate of Lehigh University with a degree in Finance and Accounting.

Karen McCann
Vice President, Operations And Product

Karen has 20 years of experience in operations, data management, administration, and customer service, including serving as Director, Client Services with Creditek, a leading outsourcing company, and as a customer services executive in the telecom industry. In addition to managing Smyyth's operations and client services, Karen is the product manager for Carixa, the company's remarkable cloud order-to-cash automation.

Frank Buck
Director, Product

Frank is responsible for Carixa Cloud Suite product management, and he joins the Carixa team with deep experience in invoice-to-cash automation. Previously, he served in senior product management roles with Avalara, a tax compliance software company, Billtrust, an invoice-to-payments company, and Sungard Availability Services. He has early-career experience with FedEx Ground and Amazon fulfillment. Frank has a B.A. Sociology from Bloomsburg University of Pennsylvania.

Susan Burns
Manager, Client Services

Susan is responsible for managing client engagement from implementation to ongoing data operations and user experience. She was previously Sr. Business Analyst with Pilat HR, a SaaS provider of human capital solutions for Fortune 100 clients, and earlier was finance and accounting system administrator for AIG. She is a skilled and certified project management professional.

Advisory Group

John G. Eberhardt
Consulting, Order-to-Cash

John is an expert in order-to-cash management and revenue cycle optimization. He has had executive roles in the global consumer goods and manufacturing industries, including GM-Customer Financial Services at Nikon Americas Inc., Director of Corporate Credit at Pentair, and Director of Customer Financial Services at Coltec Industries Inc.   John's many years of corporate finance experience has included managing global credit collections teams as well as procurement, internal audit, and treasury functions.   He is a graduate of Iona College School of Business Administration

Tom Materasso
Sr. Consultant, OTC Optimization

Tom's focus is order-to-cash cycle optimization including client receivables management, collections, deductions, and cash flow improvement. He has 30 years of experience managing and developing systems to automate credit-to-cash operations. His roles with Smyyth have included product and onboarding for Smyyth’s Carixa cloud automation platform and OTC consulting with F1000 clients. Tom previously served as Account Executive for Sage-Intact, Project Manager-BPO F&A for Accenture, Sr. Project Manager for SunGard, and Director of Client Services for Creditek. He has an MBA from Pace University.

Anna Costello
PhD, Advisory Board

Anna is a Professor of Accounting at The University of Chicago Booth School of Business prior to which she was an Assistant Professor of Accounting at the University of Michigan Ross School of Business and the MIT Sloan School of Management. Costello received her Bachelor's and MBA from the University of Notre Dame and a PhD in Business Administration from the University of Chicago. Costello's research investigates how information asymmetry between buyers and suppliers impacts the terms in long-term supply contracts, and studies how trade credit between supply chain partners influences firm-specific and market-wide risk. Her research has been published in the Journal of Political Economy, the Journal of Financial Economics, the Journal of Accounting Research, the Journal of Accounting and Economics, and The Accounting Review.

Kim Zablocky
CEO And Chairman, Retail Value Chain Federation, And Advisory Board

Associated with Smyyth since 2002, Kim is Chairman of the affiliated Retail Value Chain Federation (, the leading advocate for retailer-supplier trading partner synchronization that champions initiatives to increase industry-wide productivity, profitability, and growth. Kim is well known for his expertise in customer financial services and serves as an advisor in matters concerning the retail and distribution industries. Kim holds a BA in Political Science from the State University of New York.

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