Credit Manager

The Credit Manager leads and directs all global functions involving credit risk assessment, collections, dispute resolution, and cash application. This role is responsible for protecting the company’s accounts receivable (AR) assets, optimizing cash flow, and managing risk while strategically partnering with Sales to support business growth.

• Define, implement, and manage the credit department’s structure, budget, and strategic objectives.
• Oversee the daily supervision, recruitment, onboarding, training, and continuous performance management of department personnel.
• Monitor and report on key metrics, including DSO (Days Sales Outstanding), CEI (Collection Effectiveness Index), aging trends, and bad debt reserves.
• Identify and leverage modern Fin Tech and credit automation tools to streamline workflows and improve processing efficiency.
• Keep executive leadership informed of credit risk strategies, portfolio health, and market trends through concise reporting.

• Own, maintain, and enforce the organization’s corporate Credit Policy.
• Oversee the underwriting, approval, and assigning of credit limits for new and existing domestic and international accounts.
• Manage risk‑mitigation portfolios, including credit insurance programs, letters of credit, and structured finance solutions.
• Partner closely with Sales leadership (including International Sales) to structure alternative selling terms that balance risk with commercial growth.
• Assess political, economic, and country‑specific risks associated with international customers.

• Intervene in high‑risk or sensitive collection issues, serving as the senior point of contact for key accounts.
• Oversee the dispute and deduction resolution process to ensure timely reconciliation of outstanding balances.
• Manage legal files, bankruptcies, and third‑party collection agencies; direct the efforts of external attorneys in coordination with the CFO.
• Maintain all credit, collection, and compliance records in a secure, audited environment.

All other duties as assigned.

Primarily office with some domestic travel required for trade shows, sales meetings, credit conferences and customer visits.

• This person oversees A/R & Deduction Specialist and Credit Analysts.

• Education:
  
  Bachelor’s Degree in Finance, Accounting, or a related business field required.
• Experience:
  
  Minimum 10 years of progressive commercial credit management experience, with extensive exposure to international business‑to‑business (B2B) credit.
• Industry Knowledge:
  Deep understanding of creditor rights, commercial law, and bankruptcy procedures. Equipment finance understanding is a strong plus.

• Advanced proficiency with enterprise ERP systems (e.g., SAP, Oracle, Net Suite).
• Proven experience implementing or managing credit and collection automation software (e.g., High Radius, Quadient, Billtrust).
• Advanced proficiency in Microsoft Excel and data analytics tools for portfolio modeling and reporting.

• Proven ability to navigate high‑conflict situations and handle sensitive negotiations with key accounts.
• Strong ability to balance day‑to‑day tactical priorities with long‑term strategic goals.
• Exceptional verbal and written communication skills; ability to influence cross‑functional stakeholders.