Senior Credit Analyst

Job Requisition ID #

26WD96142

Position Overview

The Senior Credit Analyst evaluates customer creditworthiness and manages a portfolio of past-due accounts to minimize risk and optimize cash flow. This role balances sound credit decisions with strong customer relationship management, partnering cross-functionally to resolve issues and drive collections performance. Reporting to the Senior Manager, Credit & Collections, this position offers a flexible hybrid work arrangement.

Key Responsibilities

Credit Risk Assessment

• Evaluate customer and prospective customer creditworthiness using financial statements, credit agency data, banking references, and public/private sources

• Investigate discrepancies in credit line requests and do clarifying research

• Approve or decline credit requests in line with established credit matrix and policy guidelines

• Escalate marginal credit requests with formal written analysis and recommendations

• Document all credit decisions thoroughly and in compliance with policy

• Manage a portfolio of delinquent accounts and oversee the full dunning cycle

• Contact customers to resolve overdue balances while maintaining strong business relationships

• Identify root causes of non-payment (financial hardship, disputes, insolvency) and drive resolution

• Negotiate payment plans and rescheduling arrangements to secure timely commitments

• Recommend third-party collections, legal action, or write-offs (360+ days overdue) when appropriate

• Partner with Sales and Operations to resolve disputes and secure payment

• Deliver on cash collection goals

• Minimize bad debt

• Assist customers with billing/dunning related issues

• Conduct ongoing account analysis to identify financial risk trends

• Provide weekly portfolio updates and performance reporting to management

• Support internal and external audit requests

• Ensure accurate billing for Enterprise and named accounts

• Manage trade credit securities as required

• Contribute to month- and quarter-end reporting activities

• Collaborate cross-functionally to support collections success and customer experience, with sensitivity to regional and cultural business practices

• Act as a point of escalation as needed

• Bachelor's degree required

• 10+ years of credit and collections experience

• SAP experience required

• Strong Excel and data analysis skills

• Salesforce experience preferred

• Strong negotiation, communication, and stakeholder management skills

• Analytical mindset with attention to detail

• Salesforce experience

• Experience reporting into a multinational/matrixed environment

• International languages (Spanish, French, German, etc.)

• Experience dealing with online customer billing portals