Job description
The Credit and AR Manager owns the end-to-end credit and AR lifecycle for new and existing customers. This role is the first line of defense against credit risk and the primary driver of customer onboarding rigor, periodic account health reviews, and cash flow discipline. The right candidate combines analytical horsepower with practical judgment — able to move quickly without cutting corners on risk.
Job requirements
Skills: - Demonstrated credit analysis, risk assessment, and process development skills
- Comfortable working cross-functionally with Customer Service and Finance
- Excellent written and verbal communication
- Strong documentation and process-building instincts
- Strong Excel / data analysis skills
- Experience with ERP systems (NetSuite preferred)
Experience: 5+ years in B2B credit, AR, or commercial finance
Education: Bachelor's Degree in Accounting, Finance, or equivalent
Key Areas of Ownership:- Customer credit onboarding and limit-setting
- Ongoing customer AR balance health monitoring and periodic audits
- Cross-functional coordination (Customer Care, AP, Legal)
- Credit policy ownership and enforcement
Job responsibilities
- New Customer Onboarding & Credit Assessment
- Lead credit evaluation for all new customer accounts prior to first shipment
- Collect and analyze financial statements, trade references, and credit bureau reports (D&B, Experian Commercial)
- Establish credit limits and payment terms aligned with risk profile and commercial intent Maintain complete credit files with documented basis for approval decisions
- Coordinate with Sales and Customer Care to ensure smooth onboarding without creating credit exposure
- Set up customer accounts in NetSuite with correct Bill-To/Sold-To structure, payment terms, and credit limits
- Customer Account Health and AR Aging Monitoring
- Produce AR Report Package and Weekly Collections Forecast
- Monitor aging reports weekly for early warning signals (slowing pay, partial payments, disputes trending up)
- Flag accounts approaching or exceeding credit limits for review
- Maintain a watchlist of at-risk customers with documented action plans
- Manage Dunning process to maintain consistent payment within contracted terms
- Coordinate enhanced collections effort on accounts requiring escalation before they reach 60+ days
- Conduct formal account reviews for top 25% of customers quarterly
- Annual & Sprint-Based Credit Audits
- Design and lead periodic credit audit sprints (2–4x per year) across the ful customer portfolio
- Review and revalidate credit limits, payment terms, and account structures
- Identify and resolve ERP data integrity issues (subsidiary mapping, GL account classification, duplicate accounts)
- Produce audit findings report with recommendations for Controller and CFO review
- Track and close audit action items within defined sprint timelines
- Credit Policy & Process Ownership
- Maintain and update the company Credit Policy document annually or as business conditions change
- Define and enforce credit approval thresholds and escalation matrix
- Build and maintain standard credit application and evaluation templates
- Train Customer Care and Sales teams on credit policy and escalation protocols
- Cross-Functional Coordination
- Partner with Sales and Customer Care on customer deal structures that require credit accommodation
- Escalate to CFO or Controller when credit decisions exceed approval authority
- Coordinate with Legal on credit agreements, guarantees, or lien filings for high-risk accounts
- Provide credit data inputs for monthly/quarterly financial close and reserve calculations
Job benefits
Job Benefits: - Competitive salary and benefits package.
- Opportunities for professional development and career growth.
- Collaborative and innovative work environment.
Disclaimer:
This role sits at the intersection of Finance and Commercial. Candidates must be able to hold firm on credit standards while maintaining collaborative relationships with Sales and Customer Care — and escalate cleanly when risk thresholds are breached.