Credit Manager - ELS

The Credit Manager will be responsible for financial risk mitigation in our shared services organization under the direction of the Director of Global Credit. A primary focus of this role is the end-to-end management of the Digital Distribution Partner (DDP) program, ensuring proactive monitoring, dynamic risk controls, and cross-functional coordination to prevent unreasonable fraud and financial exposure. The Credit Manager’s responsibilities will include managing a small global team that will provide a consistent application of a credit policy, periodic credit reviews of existing customers, and assessment of the credit worthiness of potential customers. The candidate will also be required to design and maintain reports and dashboards to both track and communicate key Credit performance indicators.

• Serve as the end-to-end owner of the DDP program, leading a small global team responsible for continuous monitoring, fraud prevention, and risk mitigation across all Digital Distribution Partners.
• Design and maintain reports and dashboards compiling data across multiple platforms/sources to both track and communicate key performance indicators.
• Monitor daily and intra-day sales volumes across all DDP partners, proactively identifying unusual trends, anomalies, or activity that may indicate fraud or financial risk.
• Create, manage, and dynamically adjust velocity limits for all DDP partners within the Risk Management System (RMS), responding to threshold alerts within established SLA timeframes.
• Respond to and take action on velocity limit alerts; coordinate with the Risk team to add alert and block rules as required to mitigate exposure.
• Maintain regular, proactive communication with Account Managers and business stakeholders regarding DDP account activity, credit standing, and any identified risks or anomalies.
• Coordinate with Accounts Receivable (A/R) to efficiently identify and resolve outstanding amounts associated with DDP partners, ensuring accurate and timely reconciliation.
• Partner with Risk, Legal/Compliance, and Account Management to conduct periodic audits of DDP contracts for financial security language, and ensure all partners are in compliance with agreed terms.
• Coordinate with Marketing to understand promotions and their potential impact on DDP sales velocity, adjusting monitoring thresholds and velocity limits proactively as needed.
• Perform analysis of Financial Statements or other data for existing customers and potential customers with the ability to make credit recommendations based on those findings.
• Interpret trade data from several trade reports (D&B, CRM, Experian) and be able to make credit recommendations based on data.
• Ensure all new DDP partners are onboarded into monitoring systems (RMS/CMS) with appropriate velocity limits established prior to activation, and conduct timely credit reviews of new and existing DDP partners on an established periodic schedule.
• Regular interaction with and communication of credit decisions in both written and verbal form with management and sales.
• Fosters and maintain key relationships throughout the organization in order to facilitate teamwork across departments.

• BA in finance, accounting, or related field + 5+ years’ experience or equivalent relevant experience.
• Minimum of 2-5 years of experience in management, credit, accounting, financial analysis, accounts receivable or related fields
• Experience performing high level data analyst; general understanding of databases.
• Experience with compiling and analyzing data across multiple sources
• Experience with financial statements and financial ratio analysis
• Quick-learner and self-starter with attention to details and accuracy
• Ability to work independently with minimal supervision.

We seek candidates who not only demonstrate curiosity and adaptability in emerging technologies but have also successfully implemented and utilized AI tools to enhance their work, improve processes, or deliver measurable results.  Our teams embrace continuous learning and the thoughtful integration of AI to create meaningful impact – for our employees and the future of work.