Senior Financial Analyst, Credit

Job Description

Job Description

Join one of the fastest growing, most dynamic companies in the furniture industry. For over 25 years, Four Hands has been a leading designer and wholesaler of furniture and décor, helping people create spaces that feel like home.

Recognized on the Inc. 5000 list of fastest-growing companies and named one of Austin's Top Workplaces year after year. We invest in exceptional people — with a team of over 800 and growing — fostering our employees' careers and celebrating them at every step of the way. Four Hands is where passion meets purpose and where your next chapter begins.

The Senior Financial Analyst leads Key Account credit operations, managing customer debits, rebates, deductions, account analysis, and complex issue resolution for large strategic customers across eCommerce, Hospitality, and Retail segments. This individual partners cross-functionally with Sales, Finance, Sales Operations, and Customer Service to improve processes, strengthen customer relationships, and drive operational excellence through scalable, data-driven controls. This person will also own key credit month-end responsibilities including bad debt reserve analysis, reconciliations, reporting, and performance metrics, while enhancing reporting capabilities and supporting strategic finance initiatives

In This Role

• Own the financial planning and analysis process for key departments, including budgeting, forecasting, and performance tracking aligned with company goals
• Lead cross-functional financial initiatives, partnering with teams such as Art Studio, Sales, and Marketing to evaluate proposals and drive strategic decisions
• Develop and maintain advanced financial models and dashboards to monitor performance, identify trends, and flag risks or opportunities
• Proactively identify areas for financial improvement, anticipate challenges, and recommend solutions before they arise
• Initiate and drive deep-dive analyses (e.g., profitability, product line, customer segments) and present actionable recommendations to senior leadership
• Champion process improvements and automation efforts to scale financial operations and improve accuracy and efficiency
• Prepare and deliver presentations, financial materials, and ad hoc reports that influence business strategy and execution
• Seek understanding by asking thoughtful questions, exploring data from multiple angles, and engaging with stakeholders to uncover root causes and strategic insights
• Mentor junior analysts and contribute to building a high-performance finance team
• Other duties as assigned, in accordance with training and qualifications
• Uphold the Core Values and be a valuable member of the Four Hands team:
  • Be open and honest
  • Reach for excellence
  • Act with responsibility
  • Value the whole person
  • Enjoy the journey

Credit Team & Key Account Finance Support

• Serve as the lead for the Key Accounts Credit team, providing day-to-day guidance, workflow coordination, and subject matter expertise across customer debits, rebates, short pays, deductions, and account issue resolution.
• Act as the primary escalation point for complex Key Account customer matters, driving timely resolution in partnership with Sales, Sales Operations, Customer Service, and Finance stakeholders.
• Drive collaboration and process alignment across Sales, Sales Operations, and Credit to ensure customer needs are met while maintaining strong operational discipline.
• Partner with cross-functional teams to manage and resolve customer debits, rebates, short pays, deductions, and related account discrepancies for large strategic customers.
• Analyze broader credit team portfolio account activity, dispute trends, account credits, account risk, and deduction patterns to identify root causes, support issue resolution, and improve processes.
• Prepare account-level analyses and recommendations to support issue resolution, account reviews, reserve considerations, and operational decision-making.
• Own month-end and quarter-end close requirements for the credit function, including bad debt reserve analysis, reconciliations, account reviews, and supporting schedules.
• Develop and enhance recurring reports and dashboards related to customer debits, rebates, short pays, deductions, account exposure, and other core metrics.
• Advance the team's reporting and analysis capabilities by improving data visibility, automating recurring reporting, and identifying process improvement opportunities that enhance customer experience, financial controls, and overall team effectiveness.
• Support broader credit team process improvements and risk management initiatives.

Key Account Finance Operations

Account Resolution & Operations

• Support day-to-day management of assigned key accounts, including tracking and coordinating resolution of customer debits, short pays, deductions, rebate-related items, and open account issues.
• Research and analyze account discrepancies, payment variances, chargebacks, and disputed items to drive timely resolution and maintain customer satisfaction.
• Lead resolution efforts for escalated account matters that require cross-functional coordination or executive visibility.
• Maintain customer-specific billing, deduction, rebate, and account records to support accurate reporting, internal visibility, and effective follow-up.
• Partner with internal stakeholders and external customer contacts to resolve invoice discrepancies, account issues, and process gaps in a way that supports strong long-term customer relationships.
• Own and deliver core month-end close outputs for the credit function, including bad debt reserve support, reconciliations, key account reviews, and metric reporting.
• Track and communicate key operational and financial metrics related to deductions, short pays, rebates, dispute volume, recovery trends, and account exposure changes.
• Build, maintain, and continuously improve analytics-driven dashboards and reporting capabilities within Microsoft Dynamics 365 (D365) and Power BI.
• Support continuous improvement initiatives that strengthen cross-functional processes, internal controls, customer account management, and the analytical capability of the credit function.

Rebates Process

• Review rebate deal structures, monthly and quarterly calculations, and settlements to ensure accuracy and adherence to established timelines.
• Support timely posting, approval, and settlement of rebate provisions against open invoices or deductions, with appropriate workflow and controls in place.
• Help ensure customer rebate programs and deductions are properly classified, documented, approved, and reflected in accounts receivable and financial reporting.
• Identify recurring rebate or deduction root causes and recommend process improvements that reduce errors and increase efficiency.

The Ideal Person

• 5+ years of experience in financial analysis, FP&A, or a related role, ideally in a fast-paced or scaling company
• Bachelor's degree in Finance, Accounting, Business, or a related field
• Advanced Excel skills; familiarity with BI tools (e.g., Tableau, Power BI), ERP systems (Microsoft Dynamics 365 - D365), and financial platforms
• Demonstrated ability to proactively identify opportunities, anticipate business needs, and take initiative
• Naturally curious, with a strong desire to understand the "why" behind the numbers and business drivers
• Strong proficiency in financial modeling, forecasting, and quantitative analysis
• Experience using data to create high-level insights and strategic recommendations
• Excellent verbal and written communication skills; able to clearly present financial information to all audiences
• Comfortable working under tight deadlines and managing competing priorities
• Experience mentoring or coaching others, even outside formal reporting lines, is a plus

About Four Hands

Headquartered in Austin, Texas, since 1996, Four Hands crafts furniture, art and décor — pieces that are all about creating space. Timeless, thoughtful designs with endless possibilities. Pieces meant to be experienced and form a whole that feels like home.

Our trade customers range from interior designers to large retailers who rely on our expertise to grow and guide their business to success. We treat our partners as part of the Four Hands family, championing them and rooting for their every win.

And, we are constantly pursuing better — from sourcing the finest materials and finishes to seeking fresh inspiration to elevate our designs — we are never settled, never done.

Four Hands is an Equal Opportunity Employer. Four Hands recruits qualified applicants and advances in employment its employees without regard to race, color, religion, sex, gender, sexual orientation, gender identity, gender expression, age, disability, genetic information, ethnic or national origin, marital status, veteran status, or any other status protected by law.

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