Credit Risk Manager

Credit and Risk Manager:

A growing, multi‑entity organization is seeking an experienced Credit and Risk Manager to lead its credit function and support disciplined business growth while managing financial risk. This role is responsible for credit approvals, risk assessment, and collections oversight, and serves as a key partner to finance, sales, and operations teams across the business.

The position plays an important role in strengthening credit governance, improving processes and systems, and enhancing visibility into credit exposure and receivables performance. The ideal candidate brings strong judgment, financial acumen, and a continuous‑improvement mindset.

Role Summary:

The Credit and Risk Manager oversees customer credit decision‑making and credit policy execution while balancing risk management with commercial objectives. Through analysis, reporting, and partnership across departments, this role supports sound credit practices and data‑driven decision‑making in a complex operating environment.

Key Responsibilities:

• Review, evaluate, and approve customer credit applications; establish appropriate credit limits and terms based on financial analysis, credit data, and company risk tolerance.
• Monitor credit exposure and proactively adjust limits or terms to mitigate risk while supporting business growth.
• Partner with Accounts Receivable to coordinate collections activities and ensure timely resolution of past‑due balances.
• Collaborate with internal stakeholders on delinquent accounts, escalations, and high‑risk situations to drive consistent credit and collections practices
• Develop, maintain, and enforce credit policies, procedures, and approval thresholds.
• Evaluate existing credit and collections practices and implement improvements to enhance effectiveness, compliance, and scalability.
• Develop and maintain reporting related to credit exposure, A/R aging, and key performance indicators.
• Track and analyze metrics such as aging trends, DSO, and overall credit risk.
• Analyze financial and credit data to identify trends, risks, and opportunities, providing actionable recommendations.
• Lead process improvement initiatives, including workflow optimization, automation, and system enhancements.
• Support the selection, implementation, and optimization of credit and financial systems to improve efficiency, reporting, and decision quality.

Core Competencies:

• Strong interpersonal skills and ability to build effective partnerships across finance, sales, and operations.
• Ability to manage competing priorities and meet deadlines in a fast‑paced environment.
• Proven experience identifying process improvement opportunities and leading implementation.
• High level of professionalism and discretion with sensitive information.
• Strong organizational and analytical skills with attention to detail.
• Self‑directed, accountable, and comfortable working independently or collaboratively.
• Clear and effective written and verbal communication skills.
• Strong systems aptitude and comfort working with data and reporting tools.
• Sound judgment and ability to balance risk management with business needs.

Qualifications:

Required:

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field (or equivalent experience).
• 5 years of progressive experience in credit, accounts receivable, or financial operations.
• Demonstrated experience in credit decisioning, collections oversight, and risk assessment.
• Strong experience analyzing financial statements, credit data, and customer risk profiles.
• Experience working in a multi‑location, multi‑entity, or high‑volume environment.

Preferred:

• Background in manufacturing, distribution, or similarly complex credit environments.
• Experience with ERP systems and/or credit platforms (e.g., Bectran, NetNow, or similar tools).
• Involvement in process improvement initiatives or system implementations.
• Experience supporting credit policy development, governance, or approval frameworks.

Why This Opportunity:

• High‑visibility role with meaningful business impact.
• Opportunity to strengthen and scale credit and risk processes.
• Collaborative, cross‑functional environment.
• Stable organization with a focus on process improvement and data‑driven decision‑making.