Credit and Collection Manager

1 week ago

Richardson, Texas, United States Service Experts Full time
Job Summary

We are seeking a highly skilled Credit and Collection Manager to join our team at Service Experts. As a key member of our customer experience and operations team, you will be responsible for managing credit underwriting and accounts receivable (AR) collections.

Key Responsibilities
  • Credit Underwriting:
    • Conduct comprehensive credit underwriting in the Fintech industry by evaluating client credit profiles, determining creditworthiness, managing credit risk, and underwriting new credits.
    • Develop and implement innovative credit approval strategies and evaluate the creditworthiness of new customers to establish credit limits.
  • AR Management:
    • Stay updated on relevant laws, regulations, and industry best practices related to credit and collection management.
    • Oversee and manage in-depth accounts receivable collection processes, ensuring timely payment collections.
    • Develop strategies to increase efficiency, reduce bad debt reserves, and oversee the entire collection process of outstanding account balances.
  • Vendor Management:
    • Demonstrate excellent vendor management skills by coordinating credit and collection activities with external partners.
    • Establish and maintain strong relationships with vendors, negotiate contracts, and manage vendor performance to ensure optimal service delivery.
  • Communication:
    • Utilize strong communication skills, including proficiency in PowerPoint, to present data and reports effectively to various stakeholders.
  • Reporting:
    • Prepare detailed month-end financial reports related to credit and collections for review by senior management.
    • Prepare regular reports on collections activity, delinquency rates, and other related metrics.
  • Budgeting:
    • Actively participate in the budgeting process, providing valuable input and recommendations based on past and projected collection figures.
    • Create, monitor, and manage credit and collection budgets effectively.
  • Problem Solving:
    • Exhibit strong problem-solving skills to identify and resolve credit and collection issues efficiently.
    • Implement solutions to prevent recurrence of these issues.
  • Project Management:
    • Lead project management initiatives related to credit and collection process improvements.
    • Ensure projects are completed on time and within budget.
  • Initiative Management:
    • Proactively identify opportunities for process improvements and cost reductions.
    • Lead initiatives to achieve these improvements and manage credit and collection strategies to optimize company cash flow.
  • Team Management:
    • Manage and oversee a team of credit and collection specialists, providing guidance and support as needed.
    • Foster a positive work environment that encourages team growth and development.
Qualifications
  • Bachelor's degree in B.A., Finance, Accounting, or related field. An advanced degree or certification (e.g., MBA, CPA) is preferred.
  • Minimum of 5 years of experience in credit underwriting and AR management, preferably within the Fintech industry.
  • Proven experience in credit underwriting within the Fintech industry.
  • Demonstrated expertise in vendor and team management.
  • Proven expertise in accounts receivable management and collections.
  • Strong communication skills, both verbal and written, with proficiency in PowerPoint presentations.
  • Experience in preparing and analyzing financial reports.
  • Experience in budgeting and familiarity with financial forecasting.
  • Proven problem-solving skills and project management experience.
  • Demonstrated initiative in managing credit and collection strategies.
  • Proficient in using accounting software and MS Office applications.
  • Detail-oriented with strong analytical skills. Ability to handle confidential information with professionalism and integrity.

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