Senior Credit Manager

Jobtailor; Richmond (CA); On-site; USD 120,000 - 150,000; Full time

Job summary

Jobtailor in California is seeking a Senior Credit Manager to lead the Credit team, oversee risk, and develop credit policies to protect cash flow. You will drive collections, monitor DSO, and collaborate with Sales, Operations, and Finance to optimize receivables and profitability.

The role requires 10+ years in credit management, CCP preferred, and strong leadership and communication skills. You will mentor staff, shape credit strategy, and contribute to long-term growth of the business.

Qualifications

• 10+ years of progressive experience in Credit Management.
• Leadership experience building and developing teams.
• Expertise in credit risk assessment, collections, receivables, and negotiation.
• Strong relationship-building and communication skills.
• Strong business acumen balancing customer service, profitability, and risk.
• Advanced Microsoft Office skills.
• Experience with Microsoft Dynamics 360 is an asset.
• University degree and CCP designation preferred.

Responsibilities

• Lead, coach, and develop the Credit team.
• Oversee customer credit evaluations, risk assessments, credit limits, and exposure management.
• Maintain and enhance credit policies, procedures, and controls.
• Drive collections performance by managing aging accounts, negotiating payment arrangements, and reducing bad debt exposure.
• Monitor customer payment trends and financial health to identify and mitigate risk.
• Manage credit holds and order releases.
• Partner with Sales, Operations, Customer Service, and Finance to resolve issues and improve collection outcomes.
• Review and approve credit applications, limit increases, and policy exceptions.
• Track and improve 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.
• Provide credit risk expertise and strategic insights for business decisions and long-term growth.

Skills

Credit risk assessment

Collections management

Team leadership

Credit evaluations

Negotiation

DSO tracking

Cash flow management

Policy development

Process improvement

Relationship building

Communication

Business acumen

Education

University degree

CCP designation

Tools

Microsoft Dynamics 360

Microsoft Office

Job description

Job Responsibilities

• Lead, coach, and develop the Credit team.
• Oversee customer credit evaluations, risk assessments, credit limits, and exposure management.
• Maintain and enhance credit policies, procedures, and controls.
• Drive collections performance by managing aging accounts, negotiating payment arrangements, and reducing bad debt exposure.
• Monitor customer payment trends and financial health to identify and mitigate risk.
• Manage credit holds and order releases.
• Partner with Sales, Operations, Customer Service, and Finance to resolve issues and improve collection outcomes.
• Review and approve credit applications, limit increases, and policy exceptions.
• Track and improve 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.
• Provide credit risk expertise and strategic insights for business decisions and long-term growth.

Requirements

• 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 balancing customer service, profitability, and risk.
• Advanced Microsoft Office skills.
• Experience with Microsoft Dynamics 360 is an asset.
• University degree and/or CCP designation preferred.

Core Competencies

Demonstrates extensive expertise in Credit Management, including credit risk assessment, collections, and receivables management. Proven ability to lead teams, enhance credit policies, and drive operational efficiencies while balancing customer service and profitability.

Highest-signal resume keywords

• Credit Risk Assessment
• Collections Management
• Team Leadership
• Microsoft Dynamics 360
• Process Improvement

ATS Optimization Keywords

Hard Skills

• Credit Evaluations
• Risk Assessments
• Credit Limits Management
• Negotiation
• Aging Accounts Management
• DSO Tracking
• Cash Flow Management
• Bad Debt Expense Reduction
• Credit Policy DevelopmentFinancial Health Monitoring

Soft Skills

• Relationship Building
• Communication
• Business Acumen

Certifications & Qualifications

• University Degree
• CCP Designation

Industry Keywords

• Credit Management
• Collections
• Receivables
• Risk Mitigation
• Operational Efficiency

Tools & Technologies

• Microsoft Office
• Microsoft Dynamics 360