Credit&Collections Specialist

Job Summary
We are seeking a detail-oriented and proactive Credit & Collections Specialist to support our U.S. Accounts Receivable operations. The ideal candidate will have experience in credit analysis, collections, dispute resolution, and customer account management, along with hands-on experience supporting U.S. customers. This role requires strong analytical skills and excellent communication abilities.

Key Responsibilities

• Perform credit analysis for new and existing customer accounts by reviewing financial information, payment history, and credit reports.
• Conduct credit evaluations using Dun & Bradstreet (D&B) reports and recommend appropriate credit limits based on company policies.
• Monitor customer credit exposure, outstanding balances, and payment trends to identify high-risk accounts.
• Review customer accounts for credit hold status and make timely decisions on credit hold releases based on payment history, credit limits, risk assessment, and company policies.
• Coordinate with Sales, Customer Service, and Operations teams to facilitate timely order releases while effectively managing credit risk.
• Manage collections for an assigned portfolio of customer accounts by following up on outstanding invoices through phone calls and email communication.
• Investigate and resolve invoice-related disputes by partnering with Sales, Customer Service, Billing, and Operations teams.
• Reconcile customer accounts and resolve payment discrepancies to ensure accurate Accounts Receivable records.
• Manage customer accounts, review invoices, monitor receivables, process credit holds/releases, and document collection activities.
• Prepare and analyze Accounts Receivable aging reports and recommend appropriate collection strategies.
• Negotiate payment plans and resolve payment-related issues while adhering to company credit policies.
• Maintain accurate documentation of collection activities, credit decisions, customer communications, and dispute resolutions.

Required Qualifications

• Min of 2-5 years of experience in Credit & Collections, Accounts Receivable, or Order-to-Cash (O2C) processes.
• Experience supporting U.S./North American customers is required.
• Proven experience in credit analysis and assessing customer creditworthiness.
• Hands-on experience using credit rating tools like Dun & Bradstreet (D&B) reports for credit evaluations and credit limit recommendations.
• Experience managing credit holds and order releases based on customer credit exposure and established credit policies.
• Strong collections experience with the ability to manage delinquent customer accounts and improve collection performance.
• Experience handling customer disputes related to invoices, pricing, deductions, and payment discrepancies.
• Hands-on experience with SAP, preferably within Finance or Accounts Receivable modules.
• Good understanding of Accounts Receivable, credit risk management, credit policies, and collection best practices.