credit and collections manager

The Home Depot

<div>Position Purpose:
The Manager, Pro Trade Credit &ndash; Trade Credit Services, leads the credit &amp; collections management for the Pro Trade Credit program. Focus is on developing and managing processes for the trade credit services team and customer support functions related to existing customer credit and collections management. This is including but not limited to, direct management of a credit operations team, development of credit underwriting and collection policies and processes, customer servicing functions, receivables management, development and adherence to compliance and reporting requirements, program operations and improvements, and loss mitigation and collections strategies. This role works cross functionally with internal and external partners (including Information Technology, Product Managers, Operations, Accounting, Compliance, third-party vendors, and others) to develop and implement a trade credit management functions and strategies that supports strategic initiatives.
This role requires strong team management, deep understanding of commercial credit underwriting and collections processes, call center and customer service functions, and the ability to effectively communicate and influence partners to support and execute solutions. 
 
Key Responsibilities:<ul><li>
20% - Collaboration - Work with Pro Operations, Accounting, and Controls to ensure program adherence to service and compliance/control related objectives.</li><li>
25% - Drives Results - Establish and assess financial and operational/quality results of collections and receivables management against predetermined goals. Determine appropriate team structures along with credit and collections strategies to achieve operationally established goals and objectives.</li><li>
30% - Plans &amp; Aligns - Manage the credit and collections processes, strategy, and support functions related to the commercial Pro Trade Credit program.</li><li>
25% - Strategic Mindset - Oversee the development and execution of underwriting and collections processes and performance. Utilize credit knowledge and people management skills to ensure proper program administration and support levels are met.</li></ul> 
Direct Manager/Direct Reports:<ul><li>
This Position typically reports to the Sr. Manager or Director, Pro Trade Credit</li><li>
This Position has 6 Direct Reports</li></ul>
Travel Requirements:<ul><li>
Typically requires overnight travel 5% to 20% of the time.</li></ul> 
Physical Requirements:
<ul><li>Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions, there may be a need to move or lift light articles.</li></ul> 
Working Conditions:
<ul><li>Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.</li></ul> 
Minimum Qualifications:<ul><li>
Must be at least 18 years old</li><li>
Must be legally permitted to work in the United States</li></ul> 
Preferred Qualifications:
<ul><li>Working knowledge of Microsoft Office Suite</li><li>
Demonstrated ability to collaborate and work effectively with cross-functional teams</li><li>
Ability to draw accurate conclusions from financial documentation</li><li>
Demonstrated project management skills</li><li>
Ability to negotiate, handle complaints, settle disputes, and resolve grievances with both internal and external customers</li><li>
Excellent written and verbal communication skills</li><li>
3+ years&rsquo; experience in commercial trade credit management and/or supervisory capacity in credit servicing center and underwriting teams.</li><li>
Knowledge, Skills, Abilities and Competencies:</li><li>
An understanding and knowledge of the principles/disciplines of commercial underwriting and credit program administration.</li><li>
People and team management skills</li><li>
A strong grasp of credit and customer service/call center management skills. Able to manage/coordinate customer servicing levels. Understands how to structure and manage staffing, manage collections and effective receivables management relative to operational structure and servicing needs.</li><li>
Sound understanding of lien based lending and effective receivables management strategies.</li><li>
Ability to leverage data and analysis to craft a well-thought story and business case. Very strong communication skills to deliver business cases and gain support for process development and business strategies. Demonstrated decisiveness and sound decision-making skills.</li>
Able to think strategically about business problems and opportunities and to focus efforts on strategies that most closely support key company initiatives. 
<li>
 
</li></ul>Minimum Education:
<ul><li>The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.</li></ul> 
Preferred Education:
<ul><li>The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.</li></ul> 
Minimum Years of Work Experience:<ul><li>
6</li></ul> 
Preferred Years of Work Experience:
<ul><li>6</li></ul>
Minimum Leadership Experience:
<ul><li>3</li></ul> 
Preferred Leadership Experience:
<ul><li>3</li></ul>
Certifications:<ul><li>
None</li></ul> 
Competencies:
<ul><li>Decision Quality</li><li>
Collaborates</li><li>
Drives Engagement</li><li>
Ensures Accountability</li><li>
Plans and Aligns</li><li>
Communicates Effectively</li><li>
Customer Focus</li><li>
Develops Talent</li><li>
Drives Results</li><li>
Manages Conflict</li></ul></div>

Manager, Trade Credit

Otis Elevator Co.

<div>
 
 Date Posted:
 
 
 
 2025-09-29
 
 
 
 Country:
 
 
 
 Kuwait
 
 
 
 Location:
 
 
 
 KWT01: Al Tijaria Tower, 10th Floor, Al Soor Street, Mirqab
 
 
 
 Role Overview:
 
 
 
 The C2C Lead is responsible for leading and coordinating both the strategic planning and operational execution of C2C projects in Kuwait. This role ensures smooth operations by translating regional priorities (IBAME) into specific local actions.
 
 
 
 Key Responsibilities:
 
 
 
 <ul>
 <li>
 Leadership: Lead the credit and collections team, ensuring the effective assessment of creditworthiness for key accounts.
 </li>
 <li>
 Project Management: Design and execute project plans for C2C initiatives, ensuring timelines, quality, and business objectives are met.
 </li>
 <li>
 Daily Operations: Manage daily operations by following up on collections, reserves, and disputes targets. Track incidents, coordinate resources, and resolve issues swiftly.
 </li>
 <li>
 Performance Monitoring: Monitor key KPIs (both operational and project-related), analyze deviations, and propose action plans to address them.
 </li>
 <li>
 Stakeholder Alignment: Align priorities with regional and local stakeholders, facilitating effective two-way communication.
 </li>
 <li>
 Process Improvement: Identify opportunities for improvement in internal and external processes, and implement scalable solutions.
 </li>
 <li>
 Reporting: Prepare clear reports and presentations for the C2C IBAME Lead, regional management, and local teams.
 </li>
 <li>
 Team Coordination: Coordinate multidisciplinary teams (internal and external), fostering collaboration and shared responsibility.
 </li>
 <li>
 Training: Train the team in new processes and maintain a close relationship with the Finance team.
 </li>
 <li>
 Support: Assist the C2C IBAME Lead in implementing initiatives locally.
 
 
 </li>
 </ul>
 
 Minimum Qualifications:
 
 
 
 <ul>
 <li>
 Over 4 years of experience in credit and collections, preferably within C2C environments.
 </li>
 <li>
 Ability to navigate comfortably between strategic planning, KPI management, and operational coordination.
 </li>
 <li>
 High analytical capacity with a results-oriented mindset.
 </li>
 <li>
 Excellent communication skills in English (oral and written); proficiency in Arabic is preferred.
 </li>
 <li>
 Practical, solution-oriented, and resilient in high-pressure contexts.
 </li>
 <li>
 University degree in Finance, Administration, Economics, or a related field.
 </li>
 <li>
 Certified Credit Professional (CCP) certification is preferred.
 
 
 </li>
 </ul>
 If you live in a city, chances are we will give you a lift or play a role in keeping you moving every day.
 
 
 Otis is the world&rsquo;s leading elevator and escalator manufacturing, installation, and service company. We move 2.4 billion people every day and maintain approximately 2.4 million customer units worldwide, the industry's largest Service portfolio.
 
 
 You may recognize our products in some of the world&rsquo;s most famous landmarks including the Eiffel Tower, Empire State Building, Burj Khalifa and the Petronas Twin Towers! We are 72,000 people strong, including engineers, digital technology experts, sales, and functional specialists, as well as factory and field technicians, all committed to meeting the diverse needs of our customers and passengers in more than 200 countries and territories worldwide. We are proud to be a diverse, global team with a proven legacy of innovation that continues to be the bedrock of a fast-moving, high-performance company.
 
 
 When you join Otis, you become part of an innovative global industry leader with a resilient business model. You&rsquo;ll belong to a diverse, trusted, and caring community where your contributions, and the skills and capabilities you&rsquo;ll gain working alongside the best and brightest, keep us connected and on the cutting edge.
 
 
 We provide opportunities, training, and resources, that build leadership and capabilities in Sales, Field, Engineering and Major Projects and our Employee Scholar Program is a notable point of pride, through which Otis sponsors colleagues to pursue degrees or certification programs.
 
 
 Today, our focus more than ever is on people. As a global, people-powered company, we put people &ndash; passengers, customers, and colleagues &ndash; at the center of everything we do. We are guided by our values that we call our Three Absolutes &ndash; prioritizing Safety, Ethics, Quality in all that we do. If you would like to learn more about environmental, social and governance (ESG) at Otis click here.
 
 
 Become a part of the Otis team and help us #Buildwhatsnext!
 
 
 
 Otis is An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status, age, or any other protected class according to applicable law. To request an accommodation in completing an employment application due to a special need or a disability, please contact us at careers@otis.com.
 
 
 
 
 Privacy Policy and Terms:
 
 
 
 Click on this link to read the Policy and Terms
</div>

C2C Lead, Kuwait

TikTok

<div>
 
 Responsibilities
 
 
 Team Introduction
 
 We support multiple business lines such as Non-China Ad (GBS&amp;TTMP), non-China PICO, Lark monetization, non-China IP licensing and rental income, continuously optimize ways of working to build an automated accounting system in complex and ever changing business scenarios, as well as support global revenue, collection and clients' credit risk management in an all-round way.
 
 
 As the Credit Manager, you will oversee the credit granting process for our advertising clients, including direct brands and agency holding companies. You will balance the need to drive ad revenue growth with the necessity of mitigating financial risk. The ideal candidate will have a strong understanding of digital media billing structures (agencies, programmatic, direct) and the ability to partner closely with our Sales and Ad Operations teams.
 
 
 Responsibilities:
 
 - Credit Assessment: Evaluate the creditworthiness of new and existing advertisers and media agencies by analyzing financial statements, credit reports (e.g., D&amp;B), and payment history.
 
 - Limit Management: Establish, monitor, and adjust credit limits for client ad spend to optimize revenue while minimizing bad debt exposure.
 
 - Cross-Functional Collaboration: Partner directly with Sales, Account Management, and teammates within Finance to create a holistic view of the credit and payment risk of a customer and to develop the best deal possible to allow revenue growth responsibly.
 
 - Policy Development: Develop and enforce credit and collection policies tailored to the fast-paced digital advertising lifecycle and changing economic landscape for North America.
 
 - Reporting: Prepare monthly reporting on A/R aging, bad debt reserves, and credit exposure for executive leadership.
 
 - Risk Mitigation: Create and maintain a cost effective credit insurance program to cover potential loss.
 
 
 
 Qualifications
 
 
 Minimum Qualifications:
 
 - Education: Bachelor&rsquo;s degree in Finance, Accounting, Business Administration, or a related field.
 
 - Experience: 5+ years of experience in credit management and collections, with at least 2 years specifically in digital advertising, ad tech, or media.
 
 - Industry Knowledge: Deep understanding of the advertising ecosystem, including how agency holding companies operate, sequential liability, and programmatic billing.
 
 - Soft Skills: Strong negotiation and communication skills, with the ability to maintain positive client relationships while strictly enforcing financial terms.
 
 
 
 About TikTok
 
 
 TikTok is the leading destination for short-form mobile video. At TikTok, our mission is to inspire creativity and bring joy. TikTok's global headquarters are in Los Angeles and Singapore, and we also have offices in New York City, London, Dublin, Paris, Berlin, Dubai, Jakarta, Seoul, and Tokyo.&ZeroWidthSpace;
 
 
 
 
 Why Join Us
 
 
 Inspiring creativity is at the core of TikTok's mission. Our innovative product is built to help people authentically express themselves, discover and connect &ndash; and our global, diverse teams make that possible. Together, we create value for our communities, inspire creativity and bring joy - a mission we work towards every day.&ZeroWidthSpace;
 
 We strive to do great things with great people. We lead with curiosity, humility, and a desire to make impact in a rapidly growing tech company. Every challenge is an opportunity to learn and innovate as one team. We're resilient and embrace challenges as they come. By constantly iterating and fostering an "Always Day 1" mindset, we achieve meaningful breakthroughs for ourselves, our company, and our users. When we create and grow together, the possibilities are limitless. Join us.&ZeroWidthSpace;
 
 &ZeroWidthSpace;
 
 Diversity &amp; Inclusion&ZeroWidthSpace;
 
 TikTok is committed to creating an inclusive space where employees are valued for their skills, experiences, and unique perspectives. Our platform connects people from across the globe and so does our workplace. At TikTok, our mission is to inspire creativity and bring joy. To achieve that goal, we are committed to celebrating our diverse voices and to creating an environment that reflects the many communities we reach. We are passionate about this and hope you are too.&ZeroWidthSpace;
 
 
 
 
 TikTok Accommodation
 
 
 TikTok is committed to providing reasonable accommodations in our recruitment processes for candidates with disabilities, pregnancy, sincerely held religious beliefs or other reasons protected by applicable laws. If you need assistance or a reasonable accommodation, please reach out to us at https://tinyurl.com/RA-request&ZeroWidthSpace;
 
 
 
 
 Job Information
 
 
 【For Pay Transparency】Compensation Description (Annually)
 
 The base salary range for this position in the selected city is $108000 - $168000 annually.&ZeroWidthSpace;
 
 Compensation may vary outside of this range depending on a number of factors, including a candidate&rsquo;s qualifications, skills, competencies and experience, and location. Base pay is one part of the Total Package that is provided to compensate and recognize employees for their work, and this role may be eligible for additional discretionary bonuses/incentives, and restricted stock units.&ZeroWidthSpace;
 
 Benefits may vary depending on the nature of employment and the country work location. Employees have day one access to medical, dental, and vision insurance, a 401(k) savings plan with company match, paid parental leave, short-term and long-term disability coverage, life insurance, wellbeing benefits, among others. Employees also receive 10 paid holidays per year, 10 paid sick days per year and 17 days of Paid Personal Time (prorated upon hire with increasing accruals by tenure).&ZeroWidthSpace;
 
 The Company reserves the right to modify or change these benefits programs at any time, with or without notice.&ZeroWidthSpace;
 
 For Los Angeles County (unincorporated) Candidates:&ZeroWidthSpace;
 
 Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state, and local laws including the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act. Our company believes that criminal history may have a direct, adverse and negative relationship on the following job duties, potentially resulting in the withdrawal of the conditional offer of employment:&ZeroWidthSpace;
 
 1. Interacting and occasionally having unsupervised contact with internal/external clients and/or colleagues;&ZeroWidthSpace;
 
 2. Appropriately handling and managing confidential information including proprietary and trade secret information and access to information technology systems; and&ZeroWidthSpace;
 
 3. Exercising sound judgment.&ZeroWidthSpace;
</div>

Senior Credit Manager

Byrider

<div>Byrider - 5234 High Crossing Blvd, Madison, WI 53718
Collections Account Manager (Consumer Finance)
New ownership! Immediate hire! Last position to complete our team. Open to all backgrounds and work history.
Would you enjoy earning great pay while helping customers with an industry-leading credit program?
Growing national automotive consumer finance company! Collections Account Manager career opportunity!
Rewards for Collections Account Manager:
<ul><li>Annual compensation: ~$50,000.00 - $70,000.00</li><li>
Hourly pay + monthly bonus up to $2,000.00</li><li>
Full benefits- Health, Dental, Vision, PTO, 401k</li><li>
Career growth to Manager or Specialist</li><li>
Industry-best customer program</li><li>
36 years in business</li><li>
Growing national company
 </li></ul>Responsibilities for Collections Account Manager:
<ul><li>Collections, customer service, customer retention</li><li>
Assist with lending/credit origination
</li><li>Help ensure branch compliance
</li><li>Demonstrate a high level of customer service</li><li>
Work with consumer finance software</li><li>
Attend ongoing training classes
</li></ul>Hours for Collections Account Manager:
<ul><li>Full-time (40 hours)</li><li>
100% onsite</li><li>
No Sundays</li><li>
Work most Saturdays (shorter day) with a weekday off</li><li>
Location hours: Monday - Friday 9-7, Sat 9-4</li><li>
Shifts will vary</li><li>
Overtime as needed with OT pay</li></ul>
Requirements for Collections Account Manager:
<ul><li>2+ years of collections, customer retention, management, call center, team leader/senior customer service rep, sales, or related experience</li><li>
Good communication, computer &amp; customer service skills</li><li>
Able to work the hours listed &amp; 100% onsite</li><li>
Able to pass a background check
</li></ul>Keywords: Collections, Customer Retention, Call Center, Collections Account Management, Debt Collector, Collections Specialist</div>

Collections Account Manager

Whitecollars

<div>Company Description 
Our client is a leading distributor of industrial tyres across Saudi Arabia, with operations dating back to the 1950s. With over 200 employees, they import industrial tyres from China and Turkey to serve clients across Saudi Arabia. 
Job Description 
Our client is seeking a finance-focused professional with solid hands-on experience in customer credit analysis, accounts receivable management, and financial risk assessment. The ideal candidate will be responsible for assessing customers&rsquo; financial position, determining creditworthiness, evaluating payment behaviour, and recommending appropriate credit limits and payment terms based on sound financial analysis. 
Work Arrangements
Reports To: Credit and Accounts Receivable Manager 
Location: On-site (Gleem, Alexandria, Egypt) 
Working hours: Sunday- Thursday - Full-time
Key Responsibilities<ul><li>
Review and assess customers&rsquo; credit limits and payment terms.</li><li>
Analyze sales, collections, and payment activities.</li><li>
Review ageing reports and monitor customers&rsquo; account status.</li><li>
Evaluate customers&rsquo; creditworthiness based on financial data and payment behaviour.</li><li>
Recommend appropriate credit limits, credit periods, and payment terms.</li><li>
Follow up on delinquent accounts and high-risk customers.</li><li>
Development and implementation of credit policies and procedures.</li><li>
Prepare and maintain dashboards to track receivables, collections performance, and credit risk.</li>
Prepare periodic reports on receivables, collections, and credit risks. 
<li>
</li></ul> 
 
Qualifications 
<ul><li>
Bachelor&rsquo;s degree in Accounting or Business Administration.</li><li>
Minimum 2 years of experience in credit analysis and accounts receivable.</li><li>
Proficiency in Excel; at least 1 year of experience with Odoo.</li><li>
Practical experience with aging reports and collections processes.</li><li>
Ability to analyze payment behavior and evaluate customers&rsquo; credit profiles.</li><li>
Ability to review customers&rsquo; financial statements to assess creditworthiness.</li></ul></div>

Credit and Accounts Receivable Financial Analyst

Toyota Point Motors

The MandateToyota Point Motors is seeking a strategic and analytical Senior Credit Risk Manager to lead our credit governance department. As a premier automotive hub in Salalah, we require a professional who can design and oversee sophisticated credit assessment frameworks for both individual and corporate clients. You will be the primary authority on risk appetite, ensuring that our financing solutions remain competitive while maintaining an industry-leading low NPL (Non-Performing Loan) ratio.Core Responsibilities<ul><li>Credit Framework Design: Develop and refine credit scoring models and underwriting policies tailored to the Omani automotive market, balancing sales targets with risk exposure.</li><li>High-Value Approval: Act as the final decision-maker for high-value credit applications, corporate fleet financing, and complex lease-to-own agreements.</li><li>Portfolio Risk Monitoring: Conduct continuous stress-testing and aging analysis of the total credit portfolio, identifying emerging trends or regional economic shifts that may impact repayment behaviors.</li><li>Collections Strategy Oversight: Lead the recovery and collections teams in developing ethical but effective intervention strategies for delinquent accounts, in compliance with Omani commercial laws.</li><li>Stakeholder &amp; Bank Liaison: Maintain strong relationships with partner banks and financial institutions, ensuring seamless integration of third-party financing and internal credit facilities.</li><li>Regulatory Compliance: Ensure all credit activities adhere strictly to Central Bank of Oman (CBO) guidelines and local consumer protection regulations.</li></ul>Professional Profile<ul><li>Minimum 10&ndash;12 years of experience in credit risk management, preferably within the automotive finance, banking, or consumer retail sectors.</li><li>Technical Expertise: Advanced proficiency in credit modeling, financial statement analysis, and risk-rating systems.</li><li>Proven track record of managing large-scale portfolios and leading high-performance risk/collections teams.</li><li>Deep understanding of the Omani Commercial Law and the Sultanate&rsquo;s regulatory landscape for retail finance.</li><li>Bilingual Excellence: Absolute professional fluency in English and Arabic is mandatory for credit committee reporting and regulatory liaison.</li><li>Bachelor&rsquo;s degree in Finance, Economics, or Risk Management; professional certifications (e.g., FRM, PRM) are highly advantageous.</li></ul>Package &amp; Benefits<ul><li>Fixed Monthly Salary: OMR 2,600.</li><li>Comprehensive health and life insurance for self and immediate family.</li><li>Annual flight allowance and 30 days of annual leave.</li><li>Full company sponsorship and residency permit in Salalah.</li><li>A leadership position with a globally recognized automotive brand in the heart of Al Wadi.</li></ul>الراتب المدفوع: ﷼٢٬٦٠٠٫٠٠٠&nbsp;لكل شهرموقع العمل: بشكل شخصي

Senior Credit Risk Manager

Propel Consult

Job Title: Credit &amp; Risk Manager Department: Risk Management Department Location: Head Office - Kingdom of Bahrain Reporting to: Chief Executive Officer (CEO)Job PurposeTo lead and manage the company&rsquo;s enterprise risk and credit risk framework, ensuring prudent lending practices, portfolio quality, regulatory compliance, and alignment with the requirements of CBB. The role is responsible for safeguarding asset quality, optimizing risk-adjusted returns, and maintaining a strong risk culture across the company.Responsibilities<ul><li>Risk Management Framework</li></ul>&middot; Develop, implement, and maintain enterprise-wide risk management policies and frameworks.&middot; Identify, assess, monitor, and mitigate key risks including credit, liquidity, operational, compliance, and reputational risks.&middot; Maintain risk appetite statements and risk tolerance limits approved by the Board.&middot; Prepare periodic risk reports to Management and Board Committees.<ul><li>Credit Risk Management</li></ul>&middot; Oversee underwriting standards, credit approval processes, and lending controls.&middot; Review and approve credit proposals within delegated authority.&middot; Ensure sound borrower assessment, affordability checks, collateral coverage, and covenant monitoring.&middot; Monitor concentration risk, sector exposure, and large obligor limits.<ul><li>Portfolio Monitoring &amp; Collections Oversight</li></ul>&middot; Track portfolio performance including arrears, delinquency, NPLs, restructuring, and recoveries.&middot; Recommend corrective actions to improve collections and reduce defaults.&middot; Conduct stress testing and scenario analysis on loan portfolio.<ul><li>Regulatory Compliance &amp; Governance</li></ul>&middot; Ensure compliance with CBB rules, prudential requirements, and governance standards.&middot; Coordinate risk-related regulatory returns, ICAAP/Capital assessments, and audit responses.&middot; Liaise with Internal Audit, Compliance, and External Auditors.<ul><li>Strategic Support</li></ul>&middot; Provide independent risk opinions on new products, partnerships, and strategic initiatives.&middot; Support growth while maintaining acceptable risk-adjusted profitability.Requirements &middot; Bachelor&rsquo;s degree in Finance, Banking, Accounting, Risk Management, or related field.&middot; Master&rsquo;s degree / MBA preferred.&middot; Professional certifications desirable: FRM, PRM, CFA, ACCA, CPA.&middot; Minimum 7-10 years&rsquo; experience in risk management / credit risk within banks or financing companies.&middot; Strong knowledge of CBB regulations, especially Volume 5.&middot; Experience in SME, corporate, consumer, and secured lending preferred.Work Location: In person

Credit and Risk Manager

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