Senior Credit & Collections Analyst

Job Description:

Senior Credit & Collections Analyst

Job Summary:

The Senior Credit & Collections Analyst is responsible for evaluating customer creditworthiness, managing credit risk, and supporting accounts receivable collections activities across multiple global business units and legal entities. This role operates within a shared services environment supporting domestic and international customers. The position partners closely with regional sales, finance, operations, and leadership teams to balance business growth, working capital objectives, and effective risk management while ensuring compliance with corporate credit policies and local business requirements.

Key Job Responsibilities:

• Manage assigned customer portfolios across multiple global business units, legal entities, and regions while partnering with sales, finance, and operations teams to resolve payment and credit-related issues.

• Perform collection activities and monitor customer payment performance across multiple currencies and international payment methods.

• Analyze customer financial information, credit reports, and consolidated exposure across multiple entities to assess credit risk and recommend credit limits, terms, and mitigation strategies.

• Monitor delinquency trends, concentration risk, and high-exposure accounts, escalating concerns as appropriate.

• Document collection activities, customer communications, and dispute resolutions to maintain a complete audit trail.

• Standardize credit and collections processes across regions and support integration of newly acquired companies into the shared services model, promoting global policies, procedures, and reporting standards.

• Prepare and analyze global AR and credit performance metrics, including DSO, CEI, aging, bad debt exposure, and collection effectiveness, providing reporting and recommendations to management.

• Maintain compliance with corporate credit policies, SOX requirements, and audit standards through proper documentation, approvals, and control evidence.

• Provide professional customer service for both external and internal customers.

• Ad-hoc projects as assigned.

Qualifications:

• 5+ years’ experience in credit and collections, preferably supporting multiple legal entities or business units.

• Experience working with international customers and cross-border collections.

• Strong analytical skills with the ability to evaluate financial statements, credit reports, and customer risk profiles to make sound credit decisions.

• Exceptional customer service and negotiation skills.

• Experience with AR reporting, analytics, and KPI tracking.

• Ability to work effectively across multiple time zones and cultures.

• Familiarity with SOX controls, audit support, and documentation standards.

• Proficiency with ERP systems (e.g., SAP)

• Excel skills, including Pivot Tables, XLOOKUPs, and data analysis.

• Associate’s degree or equivalent experience

Preferred qualifications:

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

• Bilingual (Spanish/English) is a plus

• Experience with shared service center environments

• SAP Experience

• SAP FSCM, Credit Management, or similar credit management platform experience.

• Knowledge of foreign currency transactions and international trade terms.

• Experience with customer payment, bank, and merchant portals

At Array Tech, Inc., we strive to lead with our culture, and believe that our people are a key enabler of our future state. Our total rewards philosophy supports Array’s ability to attract, develop, and retain our employees. We offer competitive compensation, benefits and wellness programs that align with the local markets where we do business.

Array Tech, Inc. offers equal employment opportunity without regard to race, color, gender, age, creed, sex, religion, national origin, disability (physical or mental), marital status, citizenship, ancestry, sexual orientation, gender identity, and gender expression, or any other legally protected status.