Credit & Collections Specialist

Credit Analysis: Evaluating creditworthiness of potential and existing customers using financial statements, credit reports, and external risk management tools. Assessing risk and recommending appropriate credit limits and payment terms. Collections Management: Monitoring customer accounts to identify overdue payments and proactively address delinquencies. Contacting customers to discuss overdue balances, negotiate payment plans, and resolve billing disputes. Documenting all collection activities and communications accurately. Customer Service & Communication: Maintaining professional and positive customer relationships while handling delicate collection matters. Collaborating with sales and other departments to resolve customer issues and ensure accurate account information. Reporting & Analysis: Generating reports on credit card declines, expirations, and other collection-related metrics. Analyzing factors contributing to account delinquencies and proposing solutions to management.