Credit & Collections Analyst

Harbinger Motors Inc.•Garden Grove, CA

4h•$60,000 - $80,000

About The Position

Harbinger is an American commercial electric vehicle (EV) company on a mission to transform an industry starving for innovation. Harbinger’s best-in-class team of EV, battery, and drivetrain experts have pooled their deep experience to bring a first-of-its-kind EV platform to support the growing demand for medium-duty EVs and Hybrids. Harbinger: Familiar Form, Revolutionary Foundation. What You’ll Do Credit Management Evaluate customer creditworthiness by analyzing financial statements, credit reports, payment history, and industry risk factors Establish and maintain customer credit limits and terms aligned with company risk tolerance Partner with Sales and Commercial teams to structure deals that balance growth and risk Collections & AR Optimization Own the end-to-end collections process, including outreach, escalation, and resolution of past-due accounts Monitor aging reports and proactively drive reduction in DSO (Days Sales Outstanding) Resolve billing disputes in collaboration with Sales, Legal, and Operations Maintain accurate records of collection activity and customer communications Process Building & Systems Design and implement scalable credit and collections policies, procedures, and controls Identify opportunities to automate workflows and improve AR efficiency Support ERP/financial system enhancements related to billing, collections, and reporting Reporting & Analytics Track and report key metrics (DSO, aging, bad debt, collection effectiveness) Provide insights to Finance leadership on customer risk and cash flow trends Assist with bad debt reserves and audit support Cross-Functional Collaboration Work closely with Sales, Legal, and Finance to ensure alignment on customer terms and risk Support contract review from a credit and payment terms perspective Act as a key business partner in scaling Harbinger’s commercial operations

Requirements

2–5+ years of experience in credit, collections, accounts receivable, or related finance role
Strong understanding of credit risk assessment and collections strategies
Ability to analyze financial statements and customer credit profiles
Excellent communication skills, with the ability to handle sensitive customer conversations
Highly organized with strong attention to detail and follow-through
Systems-savvy (experience with ERP systems such as NetSuite, SAP, or similar is a plus)
Ownership mindset with a willingness to build processes from scratch

Nice To Haves

Experience in a manufacturing, automotive, hardware, or high-growth startup environment preferred
Systems-savvy (experience with ERP systems such as NetSuite, SAP, or similar is a plus)

Responsibilities

Evaluate customer creditworthiness by analyzing financial statements, credit reports, payment history, and industry risk factors
Establish and maintain customer credit limits and terms aligned with company risk tolerance
Partner with Sales and Commercial teams to structure deals that balance growth and risk
Own the end-to-end collections process, including outreach, escalation, and resolution of past-due accounts
Monitor aging reports and proactively drive reduction in DSO (Days Sales Outstanding)
Resolve billing disputes in collaboration with Sales, Legal, and Operations
Maintain accurate records of collection activity and customer communications
Design and implement scalable credit and collections policies, procedures, and controls
Identify opportunities to automate workflows and improve AR efficiency
Support ERP/financial system enhancements related to billing, collections, and reporting
Track and report key metrics (DSO, aging, bad debt, collection effectiveness)
Provide insights to Finance leadership on customer risk and cash flow trends
Assist with bad debt reserves and audit support
Work closely with Sales, Legal, and Finance to ensure alignment on customer terms and risk
Support contract review from a credit and payment terms perspective
Act as a key business partner in scaling Harbinger’s commercial operations