About This Role
The Credit Manager is responsible for protecting company assets by evaluating customer creditworthiness, optimizing accounts receivable performance, and implementing best-in-class credit and collections processes. This role involves managing credit risk, overseeing collection strategies, and handling legal recovery processes for delinquent accounts.
Responsibilities
- Evaluate the creditworthiness of new and existing customers using financial analysis, credit bureau data (e.g., CreditSafe, Equifax), trade references, and internal payment history
- Establish and maintain appropriate credit limits and payment terms based on risk profile, customer segment (dealer, commercial, residential), and contractual agreements
- Continuously monitor customer credit exposure and proactively adjust limits or terms based on changing financial conditions or market risk
- Assess industry-specific risks, including fuel price volatility, seasonality, and dealer margin pressures, and incorporate into credit decisions
- Help design and implement structured collection strategies, including dunning schedules, delivery holds, COD conversions, and account suspension protocols
- Monitor AR aging trends and key metrics (DSO, past due %, bad debt expense) and drive continuous improvement initiatives
- Perform customer account analysis and reconciliations on a routine basis, identifying and correcting errors as noted; recommend actions by interpreting customer performance and account data
- Lead collection efforts on high-risk and escalated accounts, negotiating payment plans while protecting company interests
- Partner with billing and cash application teams to resolve disputes, short pays, and misapplied payments efficiently
- Manage the end-to-end legal recovery process for delinquent accounts, including preparation and submission of claims through appropriate court systems (e.g., small claims, district, or circuit courts)
- Coordinate with legal counsel on filings, judgments, liens, and garnishments as necessary
- Promote the “Tiger Way” and our cycle of success by building high quality relationships with employees, customers, and outside vendors
- Perform other duties as required and assigned
Requirements
- Bachelor’s degree in Accounting, Finance, Business Administration, or a related field
- 5–8 years of progressive experience in credit, accounts receivable, or financial risk management roles
- Direct experience managing commercial and/or wholesale credit environments, preferably in fuel distribution, energy, logistics, or similarly high-volume, transactional industries
- Proven experience handling delinquent accounts through legal recovery processes, including court filings, judgments, liens, and coordination with legal counsel
