Credit and Collections Specialist

Industry: Shared Services / Financial Operations

This organization operates within a shared services environment supporting complex financial operations and accounts receivable management across multiple business functions. The company is focused on operational efficiency, process improvement, and maintaining strong customer and financial relationships through disciplined collections practices.

The Credit & Collections Specialist plays a critical role in managing a complex portfolio of delinquent accounts while supporting the organization’s broader financial health and operational objectives. This position requires strong analytical capabilities, sound judgment, and the ability to independently resolve sensitive financial matters involving customers, internal stakeholders, and legal representatives.

The role will support collections strategy, dispute resolution, legal coordination, reporting analysis, and process improvement initiatives while maintaining compliance with applicable regulations and company policies.

• Manage and prioritize a high-value portfolio of delinquent accounts while evaluating collectability and recovery strategy
• Conduct outbound customer communication related to delinquent balances, repayment negotiations, and account resolution
• Analyze accounts receivable trends and recommend process improvements or automation opportunities
• Collaborate cross-functionally with billing, customer service, and sales teams to resolve account discrepancies and disputes
• Exercise independent judgment when handling invoice disputes, payment negotiations, escalations, and sensitive customer matters
• Manage internal and external legal collection cases while coordinating with outside legal counsel
• Participate in hearings, mediations, conferences, and related legal proceedings tied to collections activity
• Monitor KPIs including DSO, aging trends, and recovery performance while preparing reporting for leadership
• Provide mentorship and guidance to junior collections staff regarding procedures, compliance, and communication best practices
• Serve as a subject matter expert on collections policies, bankruptcy matters, FDCPA compliance, SCRA regulations, and related financial procedures
• Support leadership with research initiatives, reporting requests, and special projects as needed
• Maintain ethical conduct and compliance with organizational policies and standards

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field, or equivalent professional experience
• Minimum of five years of progressive collections experience
• Strong understanding of accounts receivable management and credit risk assessment
• Experience independently managing complex financial situations and customer negotiations
• Proficiency with ERP systems and financial software platforms
• Advanced Microsoft Office proficiency including Excel, Word, Outlook, and Power Point
• Strong verbal and written communication skills
• Ability to manage multiple priorities within a fast-paced environment
• High attention to detail and strong organizational skills
• Ability to handle confidential and sensitive information professionally

• Experience with in shared services or high-volume operational environments
• Exposure to legal collections coordination and dispute management
• Experience supporting process improvement or automation initiatives