Senior Credit Manager

Trail Appliances BC; Vancouver; On-site; CAD 110,000 - 150,000; Full time

Job summary

Trail Appliances, the leading independent appliance retailer in Western Canada, is seeking a Senior Credit Manager to lead our credit and collections function and protect the financial health of our business. You will drive policy, optimize risk management, and align collections with growth across our retail and builder divisions.

You will partner with Sales, Operations, Customer Service and Finance to balance risk with customer experience, drive process improvements, and oversee policy

Qualifications

• 10+ years of progressive experience in Credit Management.
• Proven leadership experience building and developing teams.
• Strong expertise in credit risk assessment, collections, receivables, and negotiation.
• Exceptional relationship-building and communication skills.
• Strong business acumen balancing customer service, profitability, and risk.
• Advanced Microsoft Office skills; experience with Microsoft Dynamics 365 is an asset.
• University degree and/or CCP designation preferred.

Responsibilities

• Lead, coach, and develop the Credit team, fostering a culture of accountability, collaboration, and customer service.
• Oversee customer credit evaluations, risk assessments, credit limits, and exposure management.
• Maintain and enhance credit policies, procedures, and controls that balance risk management with business growth.
• Drive collections performance by managing aging accounts, negotiating payment arrangements, and reducing bad debt exposure.
• Monitor customer payment trends and financial health to proactively identify and mitigate risk.
• Manage credit holds and order releases, making sound decisions that support both revenue and risk objectives.
• Partner with Sales, Operations, Customer Service, and Finance to resolve issues, improve collection outcomes, and strengthen customer relationships.
• Review and approve credit applications, limit increases, and policy exceptions within established authority levels.
• Track and improve key metrics, including DSO, collection effectiveness, bad debt expense, cash flow, and working capital performance.
• Prepare and present credit risk, collections, and receivables reporting to senior leadership.
• Champion process improvements, automation initiatives, and operational efficiencies that enhance team performance and scalability.
• Provide credit risk expertise and strategic insights that support key business decisions and long-term growth.

Skills

Credit management

Leadership

Risk assessment

Collections

Receivables management

Negotiation

Relationship building

Business acumen

Education

University degree

CCP designation

Tools

Microsoft Office

Microsoft Dynamics 365

Job description

Working at Trail Appliances means joining an entrepreneurial-minded, driven team dedicated to delivering an exceptional customer experience. Trail Appliances is the leading independent appliance retailer in Western Canada. We’re a fast-growing company with over 500 employees in British Columbia, spread out over 10 showrooms, 3 Outlet Centres, 3 distribution centres, and 4 offices in BC's major markets. Join our team of trailblazers!

Our core values:

Integrity - We do what’s right, even when no one is looking.

Improvement - We do it well. Then we do it better.

Caring - We put ourselves in others’ shoes.

Authenticity - We like people, not pretense.

Determination - We kick down walls.

At Trail Appliances, we believe great business is built on strong relationships. We're looking for a strategic, people-focused Senior Credit Manager to lead our credit and collections function, protect the financial health of our business, and support growth across our retail and builder divisions.

This is an opportunity to make a real impact by leading a high-performing team, driving continuous improvement, and partnering with leaders across the organization to balance smart risk management with exceptional customer experience.

As the Sr Credit Manager, you will

• Lead, coach, and develop the Credit team, fostering a culture of accountability, collaboration, and customer service.
• Oversee customer credit evaluations, risk assessments, credit limits, and exposure management.
• Maintain and enhance credit policies, procedures, and controls that balance risk management with business growth.
• Drive collections performance by managing aging accounts, negotiating payment arrangements, and reducing bad debt exposure.
• Monitor customer payment trends and financial health to proactively identify and mitigate risk.
• Manage credit holds and order releases, making sound decisions that support both revenue and risk objectives.
• Partner with Sales, Operations, Customer Service, and Finance to resolve issues, improve collection outcomes, and strengthen customer relationships.
• Review and approve credit applications, limit increases, and policy exceptions within established authority levels.
• Track and improve key metrics, including DSO, collection effectiveness, bad debt expense, cash flow, and working capital performance.
• Prepare and present credit risk, collections, and receivables reporting to senior leadership.
• Champion process improvements, automation initiatives, and operational efficiencies that enhance team performance and scalability.
• Provide credit risk expertise and strategic insights that support key business decisions and long-term growth.

To be successful in this role, you have

• 10+ years of progressive experience in Credit Management.
• Proven leadership experience building and developing successful teams.
• Strong expertise in credit risk assessment, collections, receivables, and negotiation.
• Exceptional relationship-building and communication skills.
• Strong business acumen with the ability to balance customer service, profitability, and risk.
• Advanced Microsoft Office skills; experience with Microsoft Dynamics 365 is an asset.
• University degree and/or CCP designation preferred.

Why Trail?

At Trail Appliances, you'll join a company where people matter, ideas are valued, and success is built together. We offer the opportunity to lead, influence strategy, and make a meaningful contribution within a trusted Canadian brand that continues to grow.