Senior Credit Risk Analyst

AspiringIT; Waterloo (IA); On-site; USD 85,000 - 120,000; Full time

Job summary

AspiringIT is seeking a Senior Credit Risk Analyst to optimize cash collections, minimize bad debt, and support revenue growth. You will analyze financial statements, work with Sales on credit requests, and ensure payment terms align with SLAs while driving process improvements.

The role emphasizes collaboration across teams and using SAP, Salesforce, and Office tools to deliver efficient credit risk practices in a fast-paced B2B software environment.

Qualifications

• 5+ years of experience in B2B credit, preferably software/high-tech.
• Strong financial analysis and credit risk assessment capabilities.
• Excellent communication and stakeholder management skills.
• Proven ability to manage change and drive process improvements.
• Bilingual proficiency is an asset (optional).

Responsibilities

• Analyze customer financial statements and monitor account performance to assess credit risk.
• Partner with Sales and cross-functional stakeholders to evaluate credit requests and provide alternative solutions.
• Review and approve payment terms while ensuring compliance with established SLAs.
• Support acquisition integrations and contribute to strategic initiatives to enhance credit risk practices.
• Drive continuous improvement in credit granting and collections processes.

Skills

CCP certification

5+ years B2B credit

Financial analysis

Communication & stakeholder Mgmt

Change management

Bilingual

Tools

SAP

Salesforce

Microsoft Office

Job description

As a Senior Credit Risk Analyst, you will play a critical role in optimizing cash collections, minimizing bad debt, and supporting revenue growth. Reporting to the Senior Director of Credit, you will leverage your expertise in global B2B credit risk to deliver efficient processes and an excellent customer experience.

Key Responsibilities

• Analyze customer financial statements and monitor account performance to assess credit risk.
• Partner with Sales and cross-functional stakeholders to evaluate credit requests and provide alternative solutions.
• Review and approve payment terms while ensuring compliance with established SLAs.
• Support acquisition integrations and contribute to strategic initiatives to enhance credit risk practices.
• Drive continuous improvement in credit granting and collections processes.

Qualifications & Skills

• CCP certification or an accounting designation is considered an asset.
• 5+ years of experience in B2B credit, preferably within the software or high-tech industry.
• Strong financial analysis and credit risk assessment capabilities.
• Excellent communication and stakeholder management skills.
• Proven ability to manage change and drive process improvements.
• Proficiency in SAP, Salesforce, and Microsoft Office.
• Highly organized, collaborative, and focused on continuous improvement.
• Bilingual proficiency is an asset.

Job Type: Contract

Job Location: Onsite - Waterloo