Define and own the enterprise credit risk strategy, aligning it with overall financial and commercial objectives.
Lead, mentor, and develop a high-performing credit team (managers, analysts, and specialists) across regions.
Establish and maintain credit governance, including policies, standards, approval matrices, and risk escalation processes.
Represent Credit in senior leadership forums and cross-functional initiatives (e.g., new products, large deals, M&A).
Partner with Accounts Receivable team to provide strategy and guidance on challenging collection items.
Design and maintain credit policies and procedures covering new customer onboarding, credit limit setting, and ongoing reviews.
Oversee credit underwriting for key customers and partners, including review of financial statements, bank and trade references, and external ratings.
Set and manage credit limits and terms, including exceptions and non-standard approvals, balancing risk and commercial needs.
Own collections strategy and performance; establish targets for DSO, bad-debt expense, and dispute resolution.
Partner with Billing, Accounts Receivable, and Sales to streamline invoicing, dispute handling, and cash application.
Develop and maintain credit loss provisioning methodologies in partnership with Accounting / Controllership.

Bachelor’s degree in Finance, Accounting, Economics, Business, or related field.
10–15+ years of progressive experience in credit risk, corporate credit, or commercial lending, including at least 5 years in a senior leadership role.
Demonstrated track record managing a large, complex credit portfolio and improving key metrics (DSO, write-offs, loss rates).
Strong expertise in financial statement analysis, cash flow assessment, and covenant / contract structuring.
Proven experience leading and developing multi-location or global teams.
Advanced Excel and familiarity with credit systems, ERP/AR platforms, and business intelligence tools.

Senior Director, Credit

Key skills