Credit Manager

Springs Window Fashions•Middleton, WI

20d

About The Position

The Credit Manager leads Springs Window Fashions’ credit and collections function, ensuring timely and accurate credit decisions and effective management of accounts receivable. The role balances customer service with risk mitigation, supervises credit and deduction specialists, and collaborates with sales, finance, IT, and operations to support healthy cash flow and minimize bad debt. Its primary focus is maintaining sound credit practices while enabling profitable business growth. The role oversees credit evaluations and approvals, order releases, accounts receivable, collections, dispute resolution, credit policies and procedures, risk monitoring, reporting, and customer interactions on escalated matters. The Credit Manager also supports compliance and works across functions to improve billing accuracy, resolve payment obstacles, and support customer onboarding. Success indicators include lower DSO and more predictable cash flow, fewer order holds and faster resolution of credit-related delays, stronger cross-functional alignment, improved customer payment behavior and reduced delinquency, and effective team performance and development.

Requirements

Experience in credit, collections, accounts receivable, or financial analysis.
At least 2 years of prior leadership or supervisory experience in a credit or finance environment.
Strong understanding of credit principles, financial statements, and risk assessment.
Familiarity with manufacturing workflows, order-to-cash processes, and ERP systems.
Excellent communication, negotiation, and conflict-resolution skills.
Ability to analyze data, identify trends, and make sound decisions under pressure.

Nice To Haves

Bachelor’s degree preferred in finance, accounting, business, or a related field.
Preferred experience in the manufacturing industry.
Preferred experience within a big box store; highly desired.
Preferred demonstrated experience managing major retail accounts.
Advanced Excel skills preferred, including pivot tables, complex formulas, data modeling, and dashboard creation.
Preferred working knowledge of SQL for querying ERP or data-warehouse systems to support credit analysis, aging reviews, and dispute research.

Responsibilities

Review and approve credit applications, set credit limits, and align decisions with company policies and risk tolerance.
Oversee credit holds and coordinate with production and shipping teams to release orders promptly after credit issues are resolved.
Supervise, coach, and develop credit and deduction staff; set performance expectations and provide ongoing feedback.
Monitor accounts receivable aging, prioritize high-risk accounts, and ensure timely follow-up on past-due balances.
Guide collection efforts, negotiate payment plans, and escalate delinquent accounts when necessary.
Partner with sales, customer service, logistics, and IT to resolve invoice discrepancies, freight issues, pricing disputes, EDI rejections, and other payment delays.
Maintain and improve credit policies, procedures, and internal controls to support compliance and operational efficiency.
Collaborate with sales, customer service, and finance to resolve disputes, support customer onboarding, and improve billing accuracy.
Identify trends in customer payment behavior, assess portfolio risk, and recommend adjustments to credit strategies.
Prepare regular reports on credit performance, collections activity, bad-debt exposure, and key metrics for leadership.
Engage directly with customers regarding escalated credit issues, disputes, and negotiations.
Ensure adherence to legal, regulatory, and company standards related to credit and collections.