Analyst, Credit

Tapestry (Coach/Kate Spade); New York (NY); On-site; USD 70,000 - 90,000; Full time

Job summary

Tapestry, the global house of brands including Coach and Kate Spade New York, is seeking a Credit Analyst to assess creditworthiness of customers and vendors, mitigate risk, and ensure compliance with credit policies. You will partner with AR, Sales, Customer Service, Logistics, Operations, and Finance to manage credit decisions and order release.

The role emphasizes analyzing financial statements, establishing credit limits, monitoring exposure, and supporting reporting and audits.

Qualifications

• Knowledge of financial statement analysis and commercial credit practices.
• Experience with accounts receivable processes is a plus.
• Understanding of order release, credit holds, and payment terms.

Responsibilities

• Review creditworthiness of new and existing customers and vendors using financial statements and credit reports.
• Assist with establishing credit limits and risk mitigation measures.
• Monitor credit exposure and alert on deteriorating conditions.
• Review and release blocked sales orders according to policy.
• Collaborate with AR, Sales, Customer Service, Logistics, Operations and Finance on credit decisions and collections.
• Prepare recurring credit reports and monitor aging and disputes.
• Support credit procedures, audits, and process improvements; perform ad hoc journal entries.

Skills

Financial analysis

Credit practices

Data interpretation

Excel

ERP systems

Education

Bachelor's degree in Accounting, Finance, Business Admin, Economics or related field

Tools

SAP

Credit reporting tools

Job description

We believe that difference sparks brilliance, so we welcome people and ideas from everywhere to join us in stretching what's possible.

At Tapestry, being true to yourself is core to who we are. When each of us brings our individuality to our collective ambition, our creativity is unleashed. This global house of brands - Coach and Kate Spade New York - was built by unconventional entrepreneurs and unexpected solutions, so when we say we believe in dreams, we mean we believe in making them happen. We're always on a journey to becoming our best, but you can count on this: Here, your voice is valued, your ambitions are supported, and your work is recognized.

A member of the Tapestry family, we are part of a global house of brands that has unwavering optimism and is committed to being innovative and wholly inclusive. Visit Our People page to learn more about Tapestry's commitment to equity, inclusion, and diversity.

Primary Purpose

The Credit Analyst is responsible for reviewing the creditworthiness of new and existing customers and vendors to help reduce financial risk, support timely order release, and ensure compliance with established credit policies and controls. This role partners with Accounts Receivable, Sales, Customer Service, Logistics, Operations, and Finance to evaluate credit exposure, resolve credit holds, support collections activity, and maintain accurate credit-related reporting under the direction of the Credit Manager.

The successful individual will leverage their proficiency in Credit Analysis by...

• Reviewing the creditworthiness of new and existing customers and vendors by analyzing financial statements, payment history, commercial credit reports, and relevant industry information.
• Assisting with establishing appropriate credit limits and risk mitigation measures, including prepayment terms and letters of credit for customers that do not qualify for open credit.
• Monitoring customer and vendor credit exposure and alerting the Credit Manager to deteriorating credit conditions or other emerging risks.
• Reviewing and releasing blocked sales orders daily in accordance with established credit policies and approval requirements.
• Partnering with Accounts Receivable, Sales, Customer Service, Logistics, Operations, and Finance to resolve routine issues affecting collections, credit decisions, and order flow.
• Monitoring accounts receivable aging, chargeback aging, deductions, disputes, and collection activity, and preparing recurring credit reports.
• Assisting the Credit Manager with credit procedures, and internal and external audit requests.
• Supporting SAP and other ERP system updates, testing, reporting, and credit-related process improvements, and performing journal entries on an ad hoc basis throughout the month.

The accomplished individual will possess...

• Knowledge of financial statement analysis, commercial credit practices, collections, and Accounts receivable processes.
• Strong analytical and problem-solving skills, with the ability to interpret payment trends, credit exposure, aging data, and commercial credit reports.
• Sound judgment and the ability to elevate credit concerns appropriately while supporting business needs and customer relationships.
• Strong communication and interpersonal skills, with the ability to explain credit requirements clearly and professionally to internal and external partners.
• The ability to manage multiple priorities in a fast-paced environment while maintaining accuracy, confidentiality, and attention to detail.
• A collaborative approach and willingness to support credit-related process improvements and reporting needs.
• Proficiency with Microsoft Office Suite, particularly Excel, and comfort working with data, reports, and credit or accounts receivable systems.
• Self-motivation and the ability to work independently with appropriate direction from the Credit Manager.

An outstanding professional will have...

• A bachelor's degree in Accounting, Finance, Business Administration, Economics, or a related field.
• Three or more years of experience in Credit, Accounts Receivable, Credit and Collections, or Financial Analysis.
• Experience reviewing financial statements, payment history, and commercial credit reports from providers such as Dun & Bradstreet, Experian, or Creditsafe.
• Experience with SAP and credit, accounts receivable, collections, or reporting tools.
• An understanding of order release, credit holds, credit limit reviews, payment terms, customer credit risk assessment, internal controls, audit requirements, and proper credit documentation.
• Strong understanding of order release, credit holds, credit limit reviews, payment terms, and customer credit risk assessment.
• Strong understanding of SOX compliance, internal controls, audit processes, and proper credit documentation.

Our Competencies for All Employees

Courage : Doesn't hold back anything that needs to be said; provides current, direct, complete, and "actionable" positive and corrective feedback to others; le