Senior AR Credit & Collections Specialist

Town & Country Living is a global leader in home décor, textiles, and design. Our expanded family includes Home Dynamix and Amalgamated Textiles, providing more than 60 years of combined experience in the home décor industry. The combination of all three companies together brings unmatched expertise and excellence in sales, design, development, sourcing, supply chain efficiencies, customer service, and e-commerce fulfillment. With our company’s diverse multi-product assortment across all home categories, we can provide excellent offerings and service to our retail partners while responding quickly to the ever-changing needs of the marketplace. SUMMARY The Senior AR Credit & Collections Specialist plays a critical role in securing company revenue by managing customer credit risk, driving collections, and resolving complex receivables issues. This role requires advanced analytical and problem-solving skills, strong customer relationship management, and a deep understanding of chargebacks, MSA allowances, and retail compliance. The Senior Specialist partners cross-functionally with Sales, Customer Service, Compliance, and Supply Chain teams to reduce DSO (Days Sales Outstanding), mitigate risk, and improve cash flow. KEY RESPONSIBILITIES Ensure customer payments are received within agreed-upon terms through proactive communication of aging via email, customer portals, and direct outreach Identify delinquent and high-risk accounts early in the receivables cycle and take corrective action to minimize exposure Review customer creditworthiness and make informed recommendations regarding credit limits, terms, and order releases Periodically analyze customer credit lines and limits based on activity, payment trends, and exposure (quarterly and annually) Release orders within established thresholds and escalates exceptions or high‑risk situations to senior management Analyze, validate, and resolve customer chargebacks, deductions, and disputes, including MSA (Merchandising Service Agreement) allowances Partner with Sales, Trade Promotions, Compliance, Customer Service, and Supply Chain teams to research discrepancies and support recovery efforts Track and reconcile promotional allowances, shortages, RTVs (Returns to Vendor), and credits to ensure accurate application and reporting Prepare and analyze AR aging, exposure, and delinquency reports to support hold/release decisions and management review Forecast future delinquency by analyzing customer payment behavior, trends, and credit utilization Summarize receivables by maintaining invoice accounts, verifying balances, and supporting month‑end close and reporting processes Provide insights and recommendations to improve collections performance, reduce DSO, and strengthen credit controls Ensure adherence to company credit policies, internal controls, and confidentiality standards Support compliance with retailer requirements, including EDI, deductions management, and documentation standards Identify opportunities to streamline AR, credit, and collections processes and improve reporting accuracy Stay current on accounting best practices and industry trends through ongoing education and professional development QUALIFICATIONS Strong analytical and problem‑solving skills with exceptional attention to detail and accuracy Demonstrated ability to resolve complex receivables, chargebacks, and customer disputes independently Professional demeanor with excellent written and verbal communication skills Highly organized with the ability to manage multiple priorities in a fast‑paced environment Self‑motivated, proactive, and capable of working with minimal supervision while meeting tight deadlines Collaborative team player who can effectively partner cross‑functionally EDUCATION AND EXPERIENCE Associate’s degree in Accounting, Finance, or related field (Bachelor’s degree a plus) or equivalent experience 5+ years of progressive experience in Accounts Receivable, Credit, and Collections Strong experience managing major retail accounts (e.g., Walmart, Amazon, Home Depot) preferred. In‑depth understanding of chargebacks, deductions, MSA allowances, and retail compliance Knowledge of supply chain processes, EDI, import orders, and invoicing Strong technology skills, including advanced Excel and ERP systems Working knowledge of Generally Accepted Accounting Principles (GAAP) Experience with ERP systems such as NetSuite preferred but not required #J-18808-Ljbffr