Credit and AR Manager

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 RequirementsSkills:Demonstrated credit analysis, risk assessment, and process development skillsComfortable working cross-functionally with Customer Service and FinanceExcellent written and verbal communicationStrong documentation and process-building instinctsStrong Excel / data analysis skillsExperience with ERP systems (NetSuite preferred)Experience: 5+ years in B2B credit, AR, or commercial financeEducation: Bachelor's Degree in Accounting, Finance, or equivalentKey Areas of Ownership:Customer credit onboarding and limit-settingOngoing customer AR balance health monitoring and periodic auditsCross-functional coordination (Customer Care, AP, Legal)Credit policy ownership and enforcementJob ResponsibilitiesNew Customer Onboarding & Credit Assessment Lead credit evaluation for all new customer accounts prior to first shipmentCollect 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 decisionsCoordinate with Sales and Customer Care to ensure smooth onboarding without creating credit exposureSet up customer accounts in NetSuite with correct Bill-To/Sold-To structure, payment terms, and credit limitsCustomer Account Health and AR Aging MonitoringProduce AR Report Package and Weekly Collections ForecastMonitor aging reports weekly for early warning signals (slowing pay, partial payments, disputes trending up)Flag accounts approaching or exceeding credit limits for reviewMaintain a watchlist of at-risk customers with documented action plansManage Dunning process to maintain consistent payment within contracted termsCoordinate enhanced collections effort on accounts requiring escalation before they reach 60+ daysConduct formal account reviews for top 25% of customers quarterlyAnnual & Sprint-Based Credit AuditsDesign and lead periodic credit audit sprints (2–4x per year) across the ful customer portfolioReview and revalidate credit limits, payment terms, and account structuresIdentify and resolve ERP data integrity issues (subsidiary mapping, GL account classification, duplicate accounts)Produce audit findings report with recommendations for Controller and CFO reviewTrack and close audit action items within defined sprint timelinesCredit Policy & Process OwnershipMaintain and update the company Credit Policy document annually or as business conditions changeDefine and enforce credit approval thresholds and escalation matrixBuild and maintain standard credit application and evaluation templatesTrain Customer Care and Sales teams on credit policy and escalation protocolsCross-Functional CoordinationPartner with Sales and Customer Care on customer deal structures that require credit accommodationEscalate to CFO or Controller when credit decisions exceed approval authorityCoordinate with Legal on credit agreements, guarantees, or lien filings for high-risk accountsProvide credit data inputs for monthly/quarterly financial close and reserve calculationsJob Benefits: Competitive salary and benefits package.Opportunities for professional development and career growth.Collaborative and innovative work environment.Disclaimer:The included statements are intended to describe the general nature and level of work being performed by employees assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of employees assigned to this position.