Credit and Collections Manager

The Credit and Collections Manager is responsible for overseeing the company's credit, accounts receivable (A/R), and collection functions to optimize cash flow while supporting profitable sales growth. This role partners closely with the Sales, Customer Service, Operations, and Finance teams to evaluate customer creditworthiness, manage credit risk, reduce bad debt exposure, and maintain strong customer relationships. This role leads efforts to collect past due balances from delinquent customers;

develops and administers policies and standards governing collection calls/letters, while ensuring compliance with the legal collection process. This role participates in customer negotiations and authorizes settlements and serves as a liaison with senior management on delinquency trends and uses this information to inform future credit decisions.

The ideal candidate combines strong financial analysis skills with a customer-focused approach and understands the unique challenges of the outdoor industry, including seasonal sales cycles, wholesale distribution channels, and inventory-driven business models.

Education Required:

Bachelor’s degree in accounting or finance

Work Experience

Required:

5+ Years experience in credit and collections management, plus 2 years of demonstrated experience in team leadership

Preferred:
Experience in the outdoor industry, consumer goods, sporting goods, apparel, or wholesale distribution

Skills and general experience:
• Exceptional Interpersonal skills, a collaborative style and the ability to communicate effectively at all levels of the organization.
• Demonstrated initiative and the ability to work effectively within time constraints.
• Strong ability to interpret financial data, evaluate creditworthiness, and make well-informed credit decisions.
• Excellent communication, negotiation, and conflict management skills, with the ability to work across multiple departments.
• Proficiency in Microsoft Office applications, including strong Excel skills.
• Knowledge of Financial and ERP systems with a strong preference for Dynamics 365 Business Central experience.

Key

Competencies:

• Credit Risk Management
• Financial Analysis
• Collections Strategy
• Cash Flow Management
• Customer Relationship Management
• Negotiation and Conflict Resolution
• Process Improvement
• Team Leadership Alternative qualification:
• 10 years working knowledge in Credit and Collections with 5 years supervisory experience in lieu of degree requirement PHYSICAL REQUIREMENTS General physical requirements:
Sedentary work Visual acuity requirements:
Close Visual Inspection Motion and sensory requirements:
Typing, Talking, Listening, Writing Physical working conditions:
Inside Environment ESSENTIAL FUNCTIONS Authorized and responsible to continuously improve upon and perform all duties according to BD Inc’s Quality, Safety and Employee Policies and procedures:
• Oversee the company’s credit management program by reviewing customer profiles, assessing credit exposure, and establishing appropriate credit terms and limits.
• Manage the day-to-day collections activity, ensuring timely follow-up with customers on past-due A/R.
• Recommend and implement risk mitigation strategies for high-risk accounts.
• Monitor A/R balances, identify delinquency trends, and propose practical measures to reduce aged A/R balances and credit losses.
• Lead, mentor, and evaluate the A/R team, promoting consistent performance, accountability, and focused development.
• Partner with Sales and Finance to support customer relationships while applying sound credit controls and risk-based decision-making.
• Review A/R aging reports, customer payment behavior, and account activity to develop informed recommendations and meaningful management reporting.
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