Credit Risk & Collections Specialist

Saputo; Melbourne; On-site; AUD 70,000 - 90,000; Full time

Job summary

AG Warehouse in Victoria is seeking a proactive Credit Officer to manage credit risk and collections across a mixed debtor portfolio. You will work with customers, store managers, and internal teams to support timely payments and resolve account queries.

This role suits someone with experience in credit or accounts receivable who enjoys problem solving, ownership of tasks, and building sustainable relationships that support cash flow for AG Warehouse.

Qualifications

• Experience in credit or accounts receivable, or a related accounting role.
• Strong communication and negotiation skills.
• Ability to manage customer conversations and payment follow-ups.

Responsibilities

• Manage collections and follow up outstanding payments.
• Monitor debtor accounts and ensure credit term compliance.
• Process and allocate incoming payments accurately.
• Conduct credit risk assessments for new and existing customers.
• Resolve account queries and disputes professionally.
• Build strong relationships with customers, store managers, and sales teams.
• Support collection targets through proactive customer contact.
• Prepare reports on debtor performance and bad debts.

Skills

Credit management

Accounts receivable

Negotiation

Communication

Analytical problem solving

Independence

Collaboration

Tools

Microsoft Excel

Credit management systems

Job description

AG Warehouse is one of Australia’s largest independent rural retail businesses, operating over 30 locations across Victoria, Tasmania, and Southern New South Wales. Backed by Saputo Dairy Australia, we support farming customers across dairy, livestock, cropping, and lifestyle sectors with trusted advice and quality products.

AG Warehouse is looking for a proactive and customer-focused Credit Officer to join our team.

In this role, you will manage credit risk and collections across an assigned debtor portfolio. You will work closely with customers, store managers and internal sales teams to support timely payments, resolve account queries and achieve positive commercial outcomes.

This is a great opportunity for someone with experience in credit or accounts receivable who enjoys building relationships, solving problems and taking ownership of their work.

Key responsibilities

Manage collections and follow up outstanding customer payments

Monitor debtor accounts and ensure compliance with agreed credit terms

Process and allocate incoming payments accurately

Conduct credit risk assessments for new and existing customers

Resolve account queries and disputes in a timely and professional manner

Build strong relationships with customers, store managers and sales teams

Support collection targets through proactive customer contact

Prepare reports and analysis relating to debtor performance and bad debts

Apply credit policies and escalate higher-risk matters when required

You will bring:

Experience in credit, accounts receivable or a related accounting role

Strong communication and negotiation skills

Confidence managing customer conversations and payment follow-ups

Strong analytical and problem-solving skills and excellent attention to detail and accuracy

The ability to work independently and manage competing priorities

Experience using credit management systems and Microsoft Excel

A collaborative, customer-focused approach

This role gives you the opportunity to manage a varied customer portfolio while working closely with teams across AG Warehouse. You will play an important role in supporting cash flow, managing credit risk and helping the business maintain strong, sustainable customer relationships.

If you are looking for a hands-on credit role where you can build strong relationships and make a practical contribution to the business, we would love to hear from you. AG Warehouse are an equal opportunity employer and all applicants must have Australian work rights.

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