Aligned Solutions is seeking a strategic and hands-on Credit Manager to lead and organization’s credit and collections function.

Key Responsibilities

Credit Risk & Policy

• Evaluate and approve new customer credit applications and set appropriate credit limits

• Analyze financial statements, credit reports, and payment trends to assess risk exposure

• Develop, implement, and enforce credit policies and procedures

• Monitor customer creditworthiness and adjust terms as needed

Accounts Receivable & Collections

• Oversee accounts receivable aging and drive timely collections

• Develop and implement strategies to reduce DSO and improve cash flow

• Manage escalated collections issues and resolve complex disputes

• Recommend write-offs, reserves, or legal action when necessary

Team Leadership

• Lead, mentor, and develop the credit and collections team

• Establish KPIs, track performance, and drive accountability

• Foster a high-performance, customer-focused team culture

Reporting & Financial Insights

• Prepare and present reports on AR aging, DSO, bad debt, and cash collections

• Identify trends and risks, providing actionable insights to leadership

• Support forecasting and working capital management initiatives

Cross-Functional Collaboration

• Partner with Sales to balance revenue growth with sound credit decisions

• Collaborate with Accounting on reconciliations, reserves, and financial reporting

• Work with legal and external agencies on delinquent or high-risk accounts

Process Improvement & Systems

• Identify and implement process improvements to increase efficiency and reduce risk

• Support or lead ERP and credit system enhancements

• Ensure compliance with internal controls, policies, and applicable regulations

Qualifications

Education & Experience

• Bachelor’s degree in Finance, Accounting, Business, or related field

• 5–10+ years of experience in credit, collections, or accounts receivable

• Experience leading or supervising a team preferred

• Background in a mid-to-large or multi-entity organization preferred

Skills & Competencies

• Strong financial analysis and credit risk assessment skills

• Deep understanding of AR processes, collections strategies, and credit policies

• Excellent negotiation and communication skills

• Ability to influence cross-functional stakeholders, particularly Sales teams

• Detail-oriented with strong organizational and problem-solving abilities

• Advanced proficiency in Excel and experience with ERP systems

Preferred

• Experience with credit scoring tools and reporting platforms