Senior AR Credit & Collections Specialist

TOWN & COUNTRY LIVING•Glen Rock, NJ

17d

About The Position

Town & Country Living is a global leader in home décor, textiles, and design. Our expanded family includes Home Dynamix and Amalgamated Textiles, providing more than 60 years of combined experience in the home décor industry. The combination of all three companies together brings unmatched expertise and excellence in sales, design, development, sourcing, supply chain efficiencies, customer service, and e-commerce fulfillment. With our company’s diverse multi-product assortment across all home categories, we can provide excellent offerings and service to our retail partners while responding quickly to the ever-changing needs of the marketplace. SUMMARY The Senior AR Credit & Collections Specialist plays a critical role in securing company revenue by managing customer credit risk, driving collections, and resolving complex receivables issues. This role requires advanced analytical and problem-solving skills, strong customer relationship management, and a deep understanding of chargebacks, MSA allowances, and retail compliance. The Senior Specialist partners cross-functionally with Sales, Customer Service, Compliance, and Supply Chain teams to reduce DSO (Days Sales Outstanding), mitigate risk, and improve cash flow.

Requirements

Strong analytical and problem-solving skills with exceptional attention to detail and accuracy
Demonstrated ability to resolve complex receivables, chargebacks, and customer disputes independently
Professional demeanor with excellent written and verbal communication skills
Highly organized with the ability to manage multiple priorities in a fast-paced environment
Self-motivated, proactive, and capable of working with minimal supervision while meeting tight deadlines
Collaborative team player who can effectively partner cross-functionally
Associate’s degree in Accounting, Finance, or related field (Bachelor’s degree a plus) or equivalent experience
5+ years of progressive experience in Accounts Receivable, Credit, and Collections
Strong experience managing major retail accounts (e.g., Walmart, Amazon, Home Depot) preferred.
In-depth understanding of chargebacks, deductions, MSA allowances, and retail compliance
Knowledge of supply chain processes, EDI, import orders, and invoicing
Strong technology skills, including advanced Excel and ERP systems
Working knowledge of Generally Accepted Accounting Principles (GAAP)
Experience with ERP systems such as NetSuite preferred but not required

Nice To Haves

Bachelor’s degree a plus
Strong experience managing major retail accounts (e.g., Walmart, Amazon, Home Depot) preferred.
Experience with ERP systems such as NetSuite preferred but not required

Responsibilities

Ensure customer payments are received within agreed-upon terms through proactive communication of aging via email, customer portals, and direct outreach
Identify delinquent and high-risk accounts early in the receivables cycle and take corrective action to minimize exposure
Review customer creditworthiness and make informed recommendations regarding credit limits, terms, and order releases
Periodically analyze customer credit lines and limits based on activity, payment trends, and exposure (quarterly and annually)
Release orders within established thresholds and escalate exceptions or high-risk situations to senior management
Analyze, validate, and resolve customer chargebacks, deductions, and disputes, including MSA (Merchandising Service Agreement) allowances
Partner with Sales, Trade Promotions, Compliance, Customer Service, and Supply Chain teams to research discrepancies and support recovery efforts
Track and reconcile promotional allowances, shortages, RTVs (Returns to Vendor), and credits to ensure accurate application and reporting
Prepare and analyze AR aging, exposure, and delinquency reports to support hold/release decisions and management review
Forecast future delinquency by analyzing customer payment behavior, trends, and credit utilization
Summarize receivables by maintaining invoice accounts, verifying balances, and supporting month-end close and reporting processes
Provide insights and recommendations to improve collections performance, reduce DSO, and strengthen credit controls
Ensure adherence to company credit policies, internal controls, and confidentiality standards
Support compliance with retailer requirements, including EDI, deductions management, and documentation standards
Identify opportunities to streamline AR, credit, and collections processes and improve reporting accuracy
Stay current on accounting best practices and industry trends through ongoing education and professional development