Credit & Collections Analyst

Credit & Collections Analyst

Description -

Job Summary
This role is responsible for analyzing customers financial condition using credit scores to determine credit limits and risk ratings, while also analyzing fraud detection outputs and advising on investigations. The role engages with credit card companies for chargeback management and participates in negotiations for initial payments, facilitating purchases beyond credit limits. The role conducts delinquency analysis, resolves payment disputes, identifies non-payment trends, and contributes to projects through research and data analysis, supporting priority initiatives and maintaining stakeholder relationships.

Responsibilities
Analyzes customers financial condition based on credit scores to determine credit limit and risk rating.
Analyzes outputs from fraud detection systems and advises on potential investigations.
Engages with credit card companies to manage credit chargebacks efficiently.
Participates in negotiations on initial payments with customers and organization s sales personnel, facilitating purchases beyond credit limits.
Conducts analysis and research into delinquencies in customers receivables accounts, determining appropriate communication methods for facilitating payments.
Resolves disputes concerning customer payments on overdue accounts, skillfully negotiating, and ensuring timely payments.
Identifies non-payment trends and collaborates with internal partners to resolve issues.
Applies foundational principles and contributes proactively to projects through research and data analysis support, providing regular updates on accomplishments and impediments.
Supports priority projects with direction, maintaining relationships with internal stakeholders and sharing information via standardized reports.

Education & Experience Recommended
Four-year Degree in Business Administration, Economics, Finance, or any other related discipline or commensurate work experience or demonstrated competence.
Typically has 0-2 years of work experience, preferably in collection, credit, banking, or a related field.

Preferred Certifications
Certified Accounts Payable Professional (CAPP)
Certified Professional in Credit and Collections (CPCC)

Knowledge & Skills
Accounting
Auditing
Credit Analysis
Credit Risk
Credit Risk Management
Data Analysis
Due Diligence
Economics
Finance
Financial Analysis
Financial Services
Financial Statements
Loans
Marketing
Portfolio Management
Risk Analysis
Risk Appetite
Risk Management
SQL (Programming Language)
Underwriting

Cross-Org Skills
Effective Communication
Results Orientation
Learning Agility
Digital Fluency
Customer Centricity

Impact & Scope
Impacts own work and acts as a team member by providing information, analysis, and recommendations in support of team efforts.