Credit & Collections Representative
About The Position
The Credit & Collections Representative is responsible for recovering overdue payments, resolving payment discrepancies, managing account adjustments, and supporting credit-related activities. This role works closely with customers and internal teams to minimize financial risk while maintaining strong customer relationships. The Credit & Collections Representative manages collections across multiple payment platforms (e.g., Stripe, ACH, Plastiq, Net Terms), monitors aging reports, evaluates customer payment behavior, conducts credit reviews using established tools and guidelines, and analyzes payment and dispute trends to support effective risk management and collections performance. This position requires strong analytical capability, sound judgment, and the ability to manage multiple priorities in a fast-paced environment.
Requirements
- 5+ years of experience in Credit & Collections, Accounts Receivable, or related financial operations.
- High school diploma, GED, or equivalent required.
- Experience managing collections and payment recovery across multiple payment platforms (Stripe, ACH, wires, Net Terms, or similar).
- Experience applying and reconciling customer payments and resolving account discrepancies.
- Experience conducting credit reviews and assessing customer payment risk.
- Experience working with ERP and CRM systems (NetSuite, Salesforce, or similar).
- Proficiency in Microsoft Excel and Google Sheets, including pivot tables and formulas.
- Strong analytical, organizational, and problem-solving skills.
- Excellent written, verbal, and interpersonal communication skills.
- Ability to manage multiple priorities independently while collaborating across teams.
Nice To Haves
- Experience in high-volume AR or collections environments.
- Experience using business intelligence or reporting tools (e.g., Metabase, Tableau, or similar).
- Familiarity with global debt collection practices or international customers.
- Experience working in complex, multi-system financial environments.
- Exposure to workflow optimization or process improvement initiatives.
Responsibilities
- Execute outbound collections efforts to resolve past-due balances in a professional and timely manner.
- Respond to inbound payment inquiries and customer account issues using systems such as NetSuite, Salesforce, Slack, and related tools.
- Apply and reconcile payments across multiple platforms (Stripe, ACH, wires, Plastiq, Net Terms), resolving short payments, unapplied balances, failed transactions, and discrepancies.
- Investigate and resolve chargebacks, disputes, and payment processing issues.
- Manage order cancellations, refunds, and bid blocking/unblocking in accordance with company policy.
- Maintain accurate AR aging and detailed documentation of collection activity and account adjustments.
- Monitor customer payment behavior and AR aging to identify delinquent or high-risk accounts.
- Conduct credit reviews for new and existing customers using tools such as Dun & Bradstreet and internal financial data.
- Recommend credit holds, payment restrictions, or term adjustments in accordance with company guidelines.
- Support credit approval workflows and documentation requirements.
- Maintain compliance with financial controls and audit standards.
- Analyze aging reports, payment activity, and dispute trends to identify patterns, root causes, and opportunities to improve collections performance.
- Support resolution of complex, high-value, or sensitive accounts in partnership with leadership and cross-functional teams.
- Assist with large-balance or high-risk customer cases by providing account analysis, documentation, and payment history insights.
- Track delinquency trends, recovery performance, and financial risk exposure to support team reporting.
- Contribute to collections performance reporting and maintain audit-ready documentation for account adjustments and credit-related decisions.
- Identify recurring payment issues and share insights to support process improvements and risk mitigation efforts.
- Prioritize workload effectively using Salesforce and other internal systems.
- Partner cross-functionally with Sales, Customer Success, and Finance to resolve payment issues and improve customer experience.
Benefits
- Competitive compensation packages, including bonus and options
- Medical, Dental, and Vision benefits
- Paid Time Off, telecommuting, and matching 401(K)
- Support for continuing education
- Team offsites, social events, and extracurricular activities are a staple
- Snacks, drinks, and the occasional box of donuts
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
