Credit Manager

Job Description Tiger is seeking an experienced Credit Manager to be responsible for safeguarding company assets by evaluating customer creditworthiness, optimizing accounts receivable performance, and implementing best‑in‑class credit and collections processes. Key Responsibilities Evaluate the creditworthiness of new and existing customers using financial analysis, credit bureau data (e.g., CreditSafe, Equifax), trade references, and internal payment history. Establish and maintain appropriate credit limits and payment terms based on risk profile, customer segment (dealer, commercial, residential), and contractual agreements. Continuously monitor customer credit exposure and proactively adjust limits or terms based on changing financial conditions or market risk. Assess industry‑specific risks, including fuel price volatility, seasonality, and dealer margin pressures, and incorporate into credit decisions. Help design and implement structured collection strategies, including dunning schedules, delivery holds, COD conversions, and account suspension protocols. Monitor AR aging trends and key metrics (DSO, past due %, bad debt expense) and drive continuous improvement initiatives. Perform customer account analysis and reconciliations on a routine basis, identifying and correcting errors as noted; recommend actions by interpreting customer performance and account data. Lead collection efforts on high‑risk and escalated accounts, negotiating payment plans while protecting company interests. Partner with billing and cash application teams to resolve disputes, short pays, and misapplied payments efficiently. Manage the end‑to‑end legal recovery process for delinquent accounts, including preparation and submission of claims through appropriate court systems (e.g., small claims, district, or circuit courts). Coordinate with legal counsel on filings, judgments, liens, and garnishments as necessary. Promote the "Tiger Way" and our cycle of success by building high quality relationships with employees, customers, and outside vendors. Perform other duties as required and assigned. Qualifications Bachelor’s degree in Accounting, Finance, Business Administration, or a related field. Professional certifications such as Certified Credit Executive (CCE) or Certified Credit & Risk Analyst (CCRA) preferred. 5–8 years of progressive experience in credit, accounts receivable, or financial risk management roles. Direct experience managing commercial and/or wholesale credit environments, preferably in fuel distribution, energy, logistics, or similarly high‑volume, transactional industries. Proven experience handling delinquent accounts through legal recovery processes, including court filings, judgments, liens, and coordination with legal counsel. Excellent oral and written communication skills, with the ability to communicate financial information to customers and management. Proficiency with Microsoft Office Suite, especially Microsoft Excel. Passionate about quality work and delivering best‑in‑class "Tiger Way" customer service support. Able to learn new technologies, quickly becoming the expert of a rapidly evolving set of technology needs. Compensation Details Compensation details: 0 Yearly Salary #J-18808-Ljbffr