Credit & Collections Representative

JOB SUMMARY

The Credit & Collections Representative is responsible for recovering overdue payments, resolving payment discrepancies, managing account adjustments, and supporting credit-related activities. This role works closely with customers and internal teams to minimize financial risk while maintaining strong customer relationships.

The Credit & Collections Representative manages collections across multiple payment platforms (e.g., Stripe, ACH, Plastiq, Net Terms), monitors aging reports, evaluates customer payment behavior, conducts credit reviews using established tools and guidelines, and analyzes payment and dispute trends to support effective risk management and collections performance.

This position requires strong analytical capability, sound judgment, and the ability to manage multiple priorities in a fast-paced environment.

 

ESSENTIAL JOB DUTIES AND RESPONSIBILITIES 

Collections & Payment Resolution

• Execute outbound collections efforts to resolve past-due balances in a professional and timely manner.
• Respond to inbound payment inquiries and customer account issues using systems such as NetSuite, Salesforce, Slack, and related tools.
• Apply and reconcile payments across multiple platforms (Stripe, ACH, wires, Plastiq, Net Terms), resolving short payments, unapplied balances, failed transactions, and discrepancies.
• Investigate and resolve chargebacks, disputes, and payment processing issues.
• Manage order cancellations, refunds, and bid blocking/unblocking in accordance with company policy.
• Maintain accurate AR aging and detailed documentation of collection activity and account adjustments.
  
  

Credit & Risk Management

• Monitor customer payment behavior and AR aging to identify delinquent or high-risk accounts.
• Conduct credit reviews for new and existing customers using tools such as Dun & Bradstreet and internal financial data.
• Recommend credit holds, payment restrictions, or term adjustments in accordance with company guidelines.
• Support credit approval workflows and documentation requirements.
• Maintain compliance with financial controls and audit standards.
  
  

Analytics & Escalation Support

• Analyze aging reports, payment activity, and dispute trends to identify patterns, root causes, and opportunities to improve collections performance.
• Support resolution of complex, high-value, or sensitive accounts in partnership with leadership and cross-functional teams.
• Assist with large-balance or high-risk customer cases by providing account analysis, documentation, and payment history insights.
• Track delinquency trends, recovery performance, and financial risk exposure to support team reporting.
• Contribute to collections performance reporting and maintain audit-ready documentation for account adjustments and credit-related decisions.
• Identify recurring payment issues and share insights to support process improvements and risk mitigation efforts.

Collaboration & Process Improvement

• Prioritize workload effectively using Salesforce and other internal systems.
• Partner cross-functionally with Sales, Customer Success, and Finance to resolve payment issues and improve customer experience.

 

MINIMUM QUALIFICATIONS 

• 5+ years of experience in Credit & Collections, Accounts Receivable, or related financial operations.
• High school diploma, GED, or equivalent required.
• Experience managing collections and payment recovery across multiple payment platforms (Stripe, ACH, wires, Net Terms, or similar).
• Experience applying and reconciling customer payments and resolving account discrepancies.
• Experience conducting credit reviews and assessing customer payment risk.
• Experience working with ERP and CRM systems (NetSuite, Salesforce, or similar).
• Proficiency in Microsoft Excel and Google Sheets, including pivot tables and formulas.
• Strong analytical, organizational, and problem-solving skills.
• Excellent written, verbal, and interpersonal communication skills.
• Ability to manage multiple priorities independently while collaborating across teams.
  
  

PREFERRED QUALIFICATIONS

• Experience in high-volume AR or collections environments.
• Experience using business intelligence or reporting tools (e.g., Metabase, Tableau, or similar).
• Familiarity with global debt collection practices or international customers.
• Experience working in complex, multi-system financial environments.
• Exposure to workflow optimization or process improvement initiatives.
  
  
  

The pay rate for this role will range between $26.92 to $32.00, per hour. We consider many factors when determining salary offers, such as the applicant’s work experience, education and training, skills, market data, and internal equity.

 

EMPLOYEE BENEFITS

• Competitive compensation packages, including bonus and options
• Medical, Dental, and Vision benefits
• Paid Time Off, telecommuting, and matching 401(K)
• Support for continuing education
• Team offsites, social events, and extracurricular activities are a staple
• Snacks, drinks, and the occasional box of donuts

THE COMPANY

B-Stock is the world's largest B2B re-commerce platform, connecting sellers and buyers of returned, trade-in, and overstock inventory. Our customers range from today’s top brands and retailers that want best-in-class inventory resale management to tens of thousands of entrepreneurs looking to purchase valuable merchandise for their resale businesses.

While the amount of returned and overstock inventory continues to grow, there is also growing pressure on retailers and consumers to adopt a more circular economy and keep products in use as long as possible. Accordingly, the need for re-commerce solutions - to find products a second life - has never been greater! At B-Stock we’re proud to play a large part in powering resale, reuse, and the circular economy through our platform: annually we sell over 130 million items across all categories and conditions, equating to 400 million pounds of inventory. 

We believe there is tremendous value in and demand for this inventory - no matter the category, condition, or location. With hundreds of thousands transactions completed annually, B-Stock gives buyers a simple and direct way to buy valuable products directly from retailers and offers sellers a technology-driven replacement for traditional resale methods, while boosting operational efficiency, recovery rates, and cycle time.

Led by eBay veterans and backed by top investors including Spectrum Equity, True Ventures, and Susquehanna Growth Equity, B-Stock shows no signs of slowing down. Our core values have shaped the company we are today and will continue to drive our success for many years to come.

For more information, visit bstock.com/careers/


OUR VALUES

Make Each Dollar Count 
Whether it’s the recovery amount or a buyer’s budget, money matters to all of our clients. And because each dollar matters to them, it matters to us.  

Take Our Work Seriously, Not Ourselves
Everything at B-Stock continues to grow - everything but our egos, that is. We’re not afraid to let loose and laugh (often at ourselves). 

Do The Hard Things Today That Will Pay Off Tomorrow
We’re willing to sacrifice and endure, fail and adapt to reach our long-term goals. 

Use Trust As The Best Measure Of Success
The trust we earn along the way is more valuable than money. Without trust from both our buyers and sellers, our business won’t succeed.

Find Strength In Numbers
Use our passion for data to provide value to our customers, improve ourselves, and develop new ways to delight our buyers and sellers.



No applicant will face discrimination/harassment based on race, color, ancestry, national origin, religion, age, gender, marital domestic partner status, sexual orientation, gender identity, disability status, or veteran status. Above and beyond discrimination/harassment based on “protected categories,” B-Stock also strives to prevent other, subtler forms of inappropriate behavior (e.g., stereotyping) from ever gaining a foothold in our office. Whether blatant or hidden, barriers to success have no place at B-Stock.

Work Authorization required.