Credit & Collection 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 2–5 years of experience in credit analysis, collections, dispute resolution, and customer account management, with hands-on experience supporting U.S. customers. This role requires strong analytical skills, excellent communication abilities, and experience working with SAP and credit reporting tools such as Dun & Bradstreet (D&B).

Perform credit analysis for new and existing customer accounts by reviewing financial information, payment history, and credit reports.

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.

Build and maintain strong customer relationships to ensure timely collections while providing excellent customer service.

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.

Utilize SAP to 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.

Support month-end Accounts Receivable close activities and reporting requirements.

Ensure compliance with internal controls, company credit policies, and accounting procedures.

Bachelor's degree in Commerce, Finance, Accounting, Business Administration, or a related discipline.

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.

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.

Good understanding of Accounts Receivable, credit risk management, credit policies, and collection best practices.

Strong proficiency in Microsoft Excel, including Pivot Tables, VLOOKUP/XLOOKUP, and data analysis.

Credit Analysis

Credit Hold & Release Management

Collections & Accounts Receivable Management

SAP

Customer Account Reconciliation

Dispute Resolution

Order-to-Cash (O2C)

Financial Analysis

Negotiation & Relationship Management

Reporting & Documentation

Analytical Thinking and Problem Solving