Credit and Collections Manager
Leads credit strategy, strategic customer collections, AR performance, risk mitigation, and outsourced collections governance for a high-growth Data and AI business. Requires a finance or accounting bachelor’s degree and 12+ years of progressive Credit & Collections experience.
About the job
Responsibilities
- Lead Credit & Collections for an assigned scope, including credit policies, collection practices, risk mitigation, and escalation protocols.
- Own credit assessments, risk reviews, credit limits, payment terms, credit holds/releases, and exception management.
- Make credit recommendations and decisions within delegated authority while balancing credit risk, cash conversion, and commercial considerations.
- Manage collection strategy and executive-level escalations for strategic and high-value customers.
- Resolve complex disputes, contractual payment issues, and commercially sensitive collection matters.
- Own monthly AR performance, including collection targets, cash collected versus target, CEI, aging, write-offs, and cash forecasting.
- Provide Finance leadership with insights into AR and credit trends, emerging risks, recovery outlook, and bad debt or reserve considerations.
- Govern the Accenture outsourced collections engagement, including SLAs, KPIs, account allocation, quality, process adherence, escalations, and corrective actions.
- Partner with Sales, Customer Success, RevOps, Legal, Billing, and Finance leadership on high-impact credit and collections matters.
- Identify systemic delinquency and credit-exposure drivers and improve controls, processes, and collection effectiveness.
- Drive process transformation and continuous improvement through automation, AI, analytics, and scalable operating models.
- Serve as the subject-matter authority for Credit & Collections.
Requirements
- Bachelor’s degree in Finance or Accounting.
- 12+ years of progressive experience in Credit & Collections, preferably in high-growth SaaS, technology, or complex B2B environments.
- Experience with credit risk assessment, collections strategy, and strategic or high-value customer relationships.
- Understanding of usage-based and subscription billing models, commercial contracts, and related credit risks.
- Experience managing AR KPIs, collection targets, CEI, DSO, aging, cash forecasting, write-offs, and bad debt or reserve analysis.
- Experience implementing credit policies, approval frameworks, and risk mitigation strategies.
- Experience governing outsourced collections operations against SLAs and performance metrics.
- Strong analytical, communication, negotiation, and stakeholder management skills.
- Advanced Excel and strong ERP/reporting systems experience.
- Ability to work PST hours.
Nice-to-haves
- CA, CPA, CMA, ACCA, or equivalent professional qualification.
- Experience with SAP, NetSuite, and Salesforce.
- Experience driving process transformation, automation, or technology-enabled improvements.
- Practical application of AI in finance or AR operations.
Skills
Credit Risk, Collections Strategy, Accounts Receivable, Cash Forecasting, Credit Policies, Excel, SAP, NetSuite, Salesforce, Cei, Dso, Saas Billing, Process Automation, Artificial Intelligence, ERP Systems
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