Credit & Collections Representative

SmartRecruiters, Inc.; Fort Wayne, Northern (IN, KY); Hybrid; USD 48,000 - 72,000; Full time

Benefits offered by this job

Competitive base salary + uncapped佣

On-site training and career growth

Health, vision, dental, life, and disb

Paid holidays and PTO after 90 days

Job summary

Circle Logistics, a Fort Wayne-based 3PL, seeks a detail-oriented Credit & Collections Representative to manage customer accounts through the credit lifecycle, from onboarding to payment collection.

You will evaluate creditworthiness, set terms, and resolve disputes with sales and operations while maintaining strong customer relationships and accurate records. Prior 3PL experience is preferred.

Qualifications

• Minimum 2+ years in credit management, collections, or AR functions (3PL/transport industry preferred).
• Knowledge of order-to-cash processes and credit risk fundamentals.
• Professional communication for firm, professional conversations while maintaining relationships.
• Excel proficiency including sorting, filtering, and lookups across multiple systems.
• Exceptional organizational skills and ability to manage high-volume portfolios.
• Self-directed with accountability and follow-through.

Responsibilities

• Manage and monitor customer portfolios, track aging, and prioritize outreach to optimize DSO and reduce past-due balances.
• Execute outbound collection activities via phone and written communication to secure payment on overdue invoices.
• Perform credit evaluations for new customers using scoring, credit reports, and reference checks to set limits and terms.
• Assess credit limit modifications and term extensions using internal scoring criteria.
• Investigate and resolve billing discrepancies and deductions with sales, operations, and customers.
• Process and reconcile cash applications, investigate unapplied payments, and maintain accuracy.
• Implement credit holds and escalate delinquent accounts for collections or litigation per policy.
• Document all collection activities and generate aging reports for management.

Skills

Credit management

Collections

Accounts receivable

Order-to-cash

Communication skills

Excel

Organization

Account portfolio management

Job description

Circle Logistics is a 3rd party logistics firm focused on delivering our three core promises to our customers: No Fail Service, Personalized Communication, and Innovative Solutions. We leverage our technology, industry experience, and employee ingenuity to develop industry-leading transportation solutions. We have been in business for 10 plus years and have grown into a half-billion-dollar company, from starting as just a handful of people with Entrepreneurial Spirit as their foundation. Our story is one of resiliency and innovation that has led us to grow to over 500 employees in a booming transportation industry, that never takes a night off.

Job Description

We are seeking a detail-oriented Credit & Collections Representative to manage a portfolio of customer accounts throughout the credit lifecycle, from initial onboarding through payment collection. This position requires the ability to evaluate creditworthiness, execute timely collection of outstanding receivables, and collaborate with sales and operations teams to resolve disputes while maintaining business continuity. This role demands strong relationship management capabilities combined with professional assertiveness in collections activities.

**Primary Responsibilities**

• Manage and monitor customer account portfolios, tracking aging schedules and prioritizing collection outreach to optimize Days Sales Outstanding (DSO) and minimize past-due balances
• Execute outbound collection activities, including telephone communications and written correspondence, to secure payment on overdue invoices
• Conduct credit evaluations for new customer applications utilizing established scoring frameworks, including credit report analysis and reference verification, to determine appropriate credit limits and payment terms
• Assess existing customer accounts for credit limit modifications and term extensions, applying standardized internal scoring criteria
• Investigate and resolve billing discrepancies, short payments, and deductions through coordination with sales representatives, operations personnel, and customers
• Process and reconcile cash applications, investigate unapplied or misapplied payments, and maintain account accuracy
• Implement credit holds on accounts and escalate severely delinquent accounts for third-party collections or legal proceedings in accordance with company policy
• Document all collection activities and customer communications with comprehensive, accurate records
• Generate aging reports and exposure analyses for management review and identify emerging credit risks

Qualifications

**Required Qualifications**

• Minimum 2+ years of professional experience in credit management, collections, or accounts receivable functions (freight brokerage, transportation, or 3PL industry experience strongly preferred)
• Demonstrated knowledge of order-to-cash processes and credit risk assessment fundamentals
• Professional communication skills with the ability to conduct firm, professional conversations while maintaining business relationships
• Proficiency in Microsoft Excel, including data sorting, filtering, and lookup functions, with demonstrated ability to work across multiple software systems
• Exceptional organizational capabilities with meticulous attention to detail and the capacity to manage high-volume account portfolios
• Self-directed work approach with demonstrated accountability and follow-through on assigned tasks

**Preferred Qualifications**

• Experience with Transportation Management Systems (TransportPro, Cargotel, or equivalent) and accounting software platforms (QuickBooks)
• Familiarity with Customer Relationship Management (CRM) tools, such as HubSpot
• Background in commercial credit reporting tools and new-customer underwriting processes

Additional Information

• Competitive base-salary + uncapped commission
• On-site training and career development with a fast track to promotion
• Insurance benefits including: Health, vision, dental, life, and disability
• Paid holidays and paid time off after 90 days

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