Sr Manager, Credit & Collections

Happy Floors•Alpharetta, GA

17d

About The Position

Paramount Global Surfaces (PGS) is a leading importer and distributor of premium European porcelain tile and a premier source for natural stone from the world’s most renowned quarries. Our products are specified across new construction and renovation projects alike, supporting residential and commercial builds with high-quality, design-driven solutions. PGS goes to market through two distinct floor covering brands: Happy Floors, which sells into the residential market through a diverse base of more than 6,000 independent dealer customers throughout the United States; and Stone Source, which sells into the commercial market through its relationships with approximately 1,800 architecture and design firms, and 4,000 contractors/installers and corporate customers across multiple commercial and multifamily end markets. At Paramount Global Surfaces, we combine industry expertise, design-driven product offerings, and a customer-first mindset to help our partners succeed and create beautiful, lasting spaces. The Senior Manager of Credit and Collections is responsible for leading all aspects of credit risk management, accounts receivable, and cash collections across the company’s customer base. This role protects the company’s working capital while supporting profitable sales growth through disciplined credit practices, strong contractor relationships, and effective dispute resolution. The position manages a receivables portfolio typically ranging from $10M to $20M with 2,000 – 3,000 active customers and oversees the full credit-to-cash cycle across two business lines with three operating locations across the US. This role reports to the VP, Finance and Accounting and partners closely with Sales and Operations to balance revenue growth with prudent risk management.

Requirements

Bachelor’s degree in Accounting, Finance, or Business Administration
6–10+ years of progressive experience in credit, collections, or accounts receivable
2+ years of team leadership experience
Experience managing a B2B receivables portfolio of at least $10M
Strong financial analysis and credit underwriting skills
Effective negotiator with the ability to preserve customer relationships while enforcing payment discipline
Ability to influence Sales and Operations without direct reporting authority
Hands-on leadership style suited to a mid-sized organization with lean staffing

Nice To Haves

Experience in construction materials, building products, or project-based B2B environments
Experience with SAP Business One and / or Great Plains
Working knowledge of:
Lien laws
Construction contracts and pay-when-paid terms
Surety bonds and credit risk indicators specific to contractors

Responsibilities

Establish and enforce company-wide credit policies, limits, and approval authorities.
Review and approve credit applications, financial statements, trade references, and bonding capacity of contractors and distributors.
Monitor customer credit exposure, aging trends, and concentration risk across geographic and product lines.
Implement proactive risk mitigation tools such as:
Personal guarantees
Joint check agreements
Lien rights and preliminary notices
Lead the collections strategy across all customer segments, including general contractors, subcontractors, and distributors.
Drive performance against key metrics such as:
Days Sales Outstanding (DSO)
Past due percentage
Bad debt expense
Personally handle escalated or high-risk accounts and complex disputes.
Ensure consistent follow-up cadence and documentation across all branches and locations.
Oversee issuance and tracking of:
Preliminary notices
Lien waivers
Liens and bond claims
Partner with internal and external legal counsel to enforce lien rights and manage legal recovery when necessary.
Evaluate credit exposure at both the customer and project level to reflect construction-specific risk dynamics.
Lead and develop a small team of credit and collections professionals.
Set performance expectations, conduct training, and ensure adherence to company credit policies.
Standardize credit and collections processes across business lines to ensure consistent application of policies and documentation.
Work closely with Sales leadership to structure payment terms that support growth while maintaining acceptable risk.
Coordinate with Operations and Dispatch regarding credit holds, order releases, and stop-ship decisions.
Support the VP, Finance and Accounting with:
Cash flow forecasting inputs
Allowance for doubtful accounts analysis
External audit and lender reporting requirements
Own AR reporting and analytics, including:
Aging by division, region, and salesperson
Customer credit exposure and utilization
Collection effectiveness and dispute trends
Drive improvements in billing accuracy, cash application efficiency, and dispute resolution cycle times.
Partner with IT and Finance leadership to optimize ERP credit and collections functionality.