Credit and Collections Specialist

4 days ago

Richardson, Texas, United States Service Experts Full time
Job Title: Credit and Collection Manager

Reports To: Director of Credit & Debt Management

Status: Full-time, Regular position

Location: Richardson, TX

Pay: $91,000-$95,000 Per Year + Annual Bonus Opportunity

Job Summary:

The Credit and Collection Manager will play a crucial role in our customer experience and operations team, focusing on the management of credit underwriting and accounts receivable (AR) collections. This role requires a dynamic individual with a solid background in the Fintech industry, superior communication skills, and a proven track record in vendor and team management.

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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