Sr. Collections Analyst

Job Description

• Own end-to-end portfolio collections and recovery strategies, partnering cross-functionally to resolve high-value escalations, influence credit risk decisions, and drive measurable performance across DSO, aging buckets, and bad debt exposure.
• Design and run recovery strategies for accounts that are structurally delinquent or high-risk.
• Lead cross-functional escalation forums for disputed high-value accounts.
• Present portfolio-level risk trends and actionable insights to Finance leadership.
• Recommend credit limit changes, payment term changes or account holds based on behavioral analytics.
• Work with Legal on pre-legal actions and structured recovery plans.
• Assess creditworthiness, establish risk controls, and lead complex recoveries to protect working capital and minimize bad debt exposure.
• Build scalable reporting models that give clear visibility into aging, dispute velocity and payment predictability.
• Flag worsening payment patterns, and provide quarterly bad debt reserve inputs with documented risk rationale for each account.
• Act as the subject matter expert on usage-based billing disputes and contract interpretation. Resolve complex disputes about usage, contract terms and invoicing discrepancies.
• Handle exceptions from automated dunning, and lead the clean-up of aged AR.
• Manage high-volume customer communication and escalations in Collections Tool, with structured follow-through.
• Work with Cash Application to keep unapplied cash low and resolve posting gaps.
• Find the systemic billing, consumption or process gaps that cause repeat delinquency. Work with Billing and Revenue Operations to put corrective frameworks in place.
• Perform detailed account reconciliations in NetSuite to keep AR accurate and audit-ready.
• Help standardize collections processes so they are faster and can scale, and support user acceptance testing (UAT) for new or improved systems.

• Bachelor's degree in Finance or Accounting is a must. Additional Accounting Qualification is a plus.
• 10+ years of collections experience, ideally with both public/private technology companies.
• A track record of owning large, complex, high-value AR portfolios with measurable impact on DSO and cash.
• Working knowledge of usage-based billing models and contract structures.
• Demonstrated ownership of high-value, complex AR portfolios with material cash impact.
• A proven ability to influence commercial stakeholders in high-pressure recovery situations.
• Experience supporting reserve discussions and credit risk decisions.
• Strong commercial judgment, balancing revenue protection against the risk to customer relationships.
• Ability to synthesize large data sets into executive-level risk insights.
• Strong analytical skills and attention to detail.
• Hands-on experience with NetSuite / Salesforce with fluency with AI tools, including automated dunning solutions is preferred.