Director, Credit Strategy & Accounts Receivable

Sager Electronics•Norwell, MA

5h•$142,200 - $192,360•Onsite

About The Position

Sager Electronics is seeking a strategic and experienced Director, Credit Strategy & Accounts Receivable, to lead our credit risk and receivables functions. This role is responsible for designing and managing the company’s credit risk framework, optimizing cash flow, and supporting safe, profitable growth. The Director will oversee credit assessment, lending limits, and portfolio strategies while leading all aspects of the Accounts Receivable function, including credit exposure, collections, and team management.

Requirements

Bachelor’s degree in business, Accounting, Finance, or a related field (or equivalent experience)
Seven to ten years of experience in credit management, accounts receivable, or related functions
Prior leadership experience with direct team management
Strong understanding of credit risk principles, including exposure management, collections, and invoicing
Experience with ERP systems, including involvement in implementations or enhancements
Proven ability to lead AR operations and drive process improvements
Strong analytical skills with the ability to interpret financial and operational data such as DSO and bad debt trends
Excellent communication and stakeholder management skills
Demonstrated ability to collaborate across functions and build trusted partnerships
Effective problem-solving and decision-making skills, with the ability to act quickly when needed
Ability to support sales teams while balancing risk and customer relationships
Willingness to travel and maintain an in-office presence as required
Must be a U.S. Person as defined by ITAR (U.S. Citizen, U.S. Permanent Resident, Political Asylee, or Refugee)
Authorized to work in the United States

Responsibilities

Design, implement, and maintain corporate credit policies, risk appetite, and portfolio concentration limits
Communicate credit policies effectively to sales teams and stakeholders
Serve as senior escalation point for complex transactions and hold high-level credit approval authority
Evaluate customer creditworthiness and ensure appropriate credit limits and multipliers are in place
Monitor overall portfolio health, including financial trends, stress indicators, and risk exposure
Lead end-to-end collections strategy to improve cash flow and minimize Days Sales Outstanding (DSO)
Provide leadership on collection actions, including escalation to legal remedies when appropriate
Oversee resolution of complex customer disputes and negotiate payment structures or amendments
Ensure all credit and collection activities comply with applicable laws, regulations, and internal standards
Partner with internal audit, external auditors, and regulatory entities as needed
Deliver regular reporting on credit exposure, portfolio health, and risk metrics
Lead, develop, and manage the Credit and Accounts Receivable team
Drive employee engagement, performance management, and professional development
Partner with Sales, Finance, Legal, and Risk teams to align credit strategy with business goals
Support sales efforts through customer engagement, including visits to customers and branch locations
Provide leadership during ERP or system implementations related to credit and AR
Take on additional responsibilities as needed to support the organization