Credit & Risk Specialist

What You’ll Do

• Assess advertiser and agency creditworthiness using financial information, payment history, credit agency data, and internal risk tools.
• Set, maintain, and adjust credit limits and payment terms within defined approval matrices, and escalate higher-risk or high-value accounts to Credit leadership.
• Review and decision credit holds on insertion orders / PinOrders — approving within authority, conditioning approval (e.g., guarantees, deposits, shorter terms), or declining with clear rationale.
• Partner with Collections to resolve past-due balances to help mitigate credit risk and reduce potential losses.
• Help prepare quarterly AR reserve analyses and support SOX-relevant controls by maintaining accurate documentation and audit-ready workpapers.
• Manage a queue of cases in Salesforce and other internal tools, meeting SLAs while keeping data (credit limits, terms, risk codes) complete and accurate.
• Collaborate with Sales, RevOps, and Accounting to explain credit decisions, discuss risk appetite, and align on strategies for strategic or complex accounts.
• Identify and help drive process and tooling improvements (for example, reducing unnecessary manual reviews, clarifying thresholds, or improving automation coverage).
• Leverage data analysis to uncover strategic insights, support decision-making, and identify opportunities to improve credit risk processes, policies, and outcomes.

What We’re Looking For

Experience

• 2+ years of experience in B2B risk, credit, corporate lending, banking, or order-to-cash / AR roles, preferably in a tech, media, or advertising environment.
• Bachelor’s degree in a relevant field such as Business Administration, or equivalent experience.

Technical Skills

• Working knowledge of credit analysis (financial statements, capital markets, payment behavior, qualitative risk factors).
• Experience with ERP and CRM or case-management tools (e.g., Oracle, SAP, Salesforce) and strong comfort working in queues.
• Familiarity with order-to-cash processes (order booking, billing, collections, cash application, AR reserves).
• SQL experience preferred; ability to query, analyze, and interpret data via tools like Hive and Snowflake to support credit, risk, and risk mitigation decision-making.
• Experience using AI tools preferred to improve productivity, support analysis, automate workflows, and enhance decision-making.

Analytical & Operational Skills

• Strong analytical judgment and attention to detail; comfortable making decisions within policy and knowing when to escalate.
• Ability to manage multiple requests at once, prioritize effectively, and consistently meet turnaround times.

Communication & Collaboration

• Clear, concise verbal and written communication skills; able to explain credit decisions and policy in a way that is easy for non-finance partners to understand.
• Proven track record of building productive relationships with Clients, Sales, Operations, and Finance partners.