Global Credit Manager

Google Inc.; Dublin; On-site; EUR 112,000 - 114,000; Full time

Job summary

Google is seeking a Global Credit Manager to lead a portfolio of strategic customers across Ads, Cloud, and Hardware. You will evaluate credit risk, approve appropriate exposures, and partner with Sales, Finance, and external vendors to optimize cash flow and revenue protection.

The role emphasizes an AI-first approach to credit risk, cross-functional work, and continuous process improvements to scale Google's billing and payments globally.

Qualifications

• Bachelor's degree in Business, Finance, Engineering, or Operations, or equivalent practical experience.
• 7 years of experience in credit management, or a finance operations-related function, or 5 years of experience with an advanced degree in accounting, or finance.

Responsibilities

• Manage a portfolio of customers globally across multiple products, ensuring exposure complies with risk thresholds.
• Make decisive risk decisions on individual accounts to align with Google's risk-bearing objectives.
• Analyze macro portfolio trends to identify opportunities and maintain credit health.
• Partner cross-functionally with Sales, Collections, and Finance to deliver credit processes and enablement.
• Coordinate credit operations with third-party vendors and leverage AI-first systems.

Skills

Credit management

Stakeholder management

Cross-functional collaboration

Analytical thinking

Financial acumen

Education

Bachelor's degree in Business, Finance, Engineering, or Operations, or equivalent practical experience

Tools

SQL

Excel

Dashboard design

Job description

corporate_fare Google place Dublin, Ireland

Mid

Experience driving progress, solving problems, and mentoring more junior team members; deeper expertise and applied knowledge within relevant area.

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• Bachelor's degree in Business, Finance, Engineering, or Operations, or equivalent practical experience.
  
• 7 years of experience in credit management, or a finance operations-related function, or 5 years of experience with an advanced degree in accounting, or finance.

Preferred qualifications:

• Experience designing, implementing, and testing processes and controls for enterprise resource planning (ERP) transformation projects.
  
• Experience leading complex process improvement projects and influencing and managing stakeholder relationships.
  
• Experience applying statistical methods, SQL, dashboard design, and data analysis skills.
• Knowledge of the AI-sector, with familiarity with key concepts, technologies and their applications within credit management.
• Ability to work in a cross-functional, fast-paced environment and manage complex initiatives.
• Demonstrated project management skills, and the ability to manage multiple tasks in a dynamic environment.

About the job

The Cash and Accounts Receivable Management (CARMA) team manages Google's Order to Cash processes globally across all product areas, including Ads, Cloud and Hardware. We ensure Google’s revenues are transformed to cash in an efficient, controlled and compliant manner. Our team powers Google's ambitious growth agenda by creating innovative ways to manage our complex set of billing and payment transactions, making processes more efficient and scalable, minimizing operational risk, integrating Google acquisitions and new products, connecting with new payment and invoicing partners and so much more!

Within CARMA, the Global Credit team is responsible for managing Google’s global credit risk exposure across all product areas such as Ads, Hardware and Cloud and opines upon revenue recognition rules within the context of contracted deals in Cloud. This involves evaluating a customer's ability and capacity to pay for goods and services purchased, minimizing losses due to defaults while also supporting Google’s revenue growth in a responsible manner.
As a Portfolio Manager, you will have a primary focus on managing a portfolio of customers globally, across a number of products and be a key decision maker. This requires working collaboratively with Sales, other Finance areas and the BPO vendor team, to make the best decisions for Google, balancing risk and reward. You will understand the key trends within your portfolio and how the macro economic environment impacts Google’s credit risk. You will also play a key role in the evolving journey of shifting towards an AI-first approach to managing credit risk.

The name Google came from "googol," a mathematical term for the number 1 followed by 100 zeros. And nobody at Google loves big numbers like the Finance team when providing in depth analysis on all manner of strategic decisions across Google products. From developing forward-thinking analysis to generating management reports to scaling our automated financial processes, the Finance organization is an important partner and advisor to the business.

Individual pay is determined by factors including job-related skills, experience, and relevant education or training.
Ireland: €112000 - €114000 (EUR) + 15% bonus target + equity + benefits

• Manage a comprehensive customer portfolio by conducting exposure analyses, annual reviews, limit management, continuous surveillance, and executing targeted risk-mitigation solutions.
  
• Make decisive risk decisions on individual customer accounts to ensure overall portfolio exposure strictly aligns with Google's risk-bearing thresholds and commercial objectives.
  
• Analyze macro portfolio trends to identify commercial opportunities, balance risk appetites, and maintain optimal credit health across accounts.
  
• Partner cross-functionally with Sales, Collections, and broader Finance teams to deliver credit processes and seamless commercial enablement.
• Coordinate credit operations with third-party vendors for enhanced scalability, while implementing modern global systems and processes through an AI-first lens.

Google is proud to be an equal opportunity and affirmative action employer. We are committed to building a workforce that is representative of the users we serve, creating a culture of belonging, and providing an equal employment opportunity regardless of race, creed, color, religion, gender, sexual orientation, gender identity/expression, national origin, disability, age, genetic information, veteran status, marital status, pregnancy or related condition (including breastfeeding), expecting or parents-to-be, criminal histories consistent with legal requirements, or any other basis protected by law. See also Google's EEO Policy , Know your rights: workplace discrimination is illegal , Belonging at Google , and How we hire .

Google is a global company and, in order to facilitate efficient collaboration and communication globally, English proficiency is a requirement for all roles unless stated otherwise in the job posting.

Equity is granted exclusively and discretionarily by Alphabet Inc. on the basis of an agreement concluded between you and Alphabet Inc. Alphabet Inc. is your sole contractual partner with respect to equity grants. GSU grants are not guaranteed, are discretionary, are subject to approval by the Alphabet Inc. board of directors or its delegate, the terms of the relevant Alphabet Inc. stock plan, and your grant agreement. They have no impact on statutory payments. Current or past grants do not confer an acquired right.