Credit and Collections Manager

A Miami-based food trading company is looking for a bilingual (Spanish/English) Credit and Collections Manager who is responsible for leading the credit and collections function across the company. This role oversees credit approvals, ensures alignment with company policy and risk tolerance, and manages customer payment performance across all markets. The manager will supervise two team members, act as a business partner to the sales and finance teams, and work closely with external stakeholders including insurers, banks, and key customers.This is a hands-on leadership role that requires strong analytical capabilities, people management skills, and the ability to make sound credit decisions in a high-transaction, fast-paced environment.The mission of this role as Credit & Collections Manager, is to balance risk mitigation with commercial growth. You will empower a high-performing team to nurture key account relationships and manage smaller clients with equal efficiency. Your focus will be to modernize operations through the automation of credit risk, claims, transport, and product quality reporting, transforming data into a strategic asset.
Key results and responsibilities1. Financial Performance & Receivable OptimizationReduce DSO (Days Sales Outstanding): Identify and execute targeted strategies to reduce accounts receivable rotation from 51 days to 46 days in the medium term.Payment Optimization: Design and implement data-driven collection strategies to improve client payment behaviors and reduce past-due accounts.KPI Mastery: Gain absolute ownership of department KPIs, maintaining the portfolio aging index (overdue accounts) within target thresholds.2. Automation & Digital TransformationProcess Automation: Streamline and automate core Credit & Collections operations to eliminate manual workflows and scale departmental capacity.Tech-Driven Leadership: Partner with the Technology/IT department to position the Credit & Collections area as a company-wide benchmark for automation and digital innovation.Team Digital Enablement: Drive, mentor, and inspire the team to embrace and actively execute the department's digital transformation roadmap.3. Reporting, Accountability & AnalysisAnalytical Accountability: Take full ownership of all department reporting, moving beyond data delivery to provide deep root-cause analysis and execute corrective adjustments when deviations occur.Account & Payment Pattern Mastery: Develop a deep understanding of key accounts, mapping their specific payment behaviors and patterns to proactively mitigate credit risks.4. Reporting & AnalysisGenerate and analyze A/R reports, DSO, and credit exposure metrics; identify trends and improvement opportunities.Provide regular updates to the CFO and leadership team on A/R status and portfolio risks.Ensure data accuracy and compliance with internal controls and reporting standards.5. Team Leadership & CollaborationLead, mentor, and develop two Credit and Collections Assistants.Foster cross-functional collaboration with Sales, Logistics, Accounting, and external insurance/banking partners.Champion Company’s values across all credit and collections operations.
Required Experience and Skills:
Minimum 6–8 years of relevant experience in credit, collections, or accounts receivable.At least 2 years of team leadership experience.Proven success managing large portfolios and high-volume transactions in an international or B2B environment.Strong analytical, decision-making, and negotiation skills.Hands-on experience with SAP or similar ERP systems.Proficient in Microsoft Excel, Outlook, and reporting tools.100% bilingual – English and Spanish, written and verbal.Experience working with credit insurance companies, international customers, and cross-border transactions is a strong plus.