AutoZone

Divisional Credit Manager

AutoZone • $75K — $95K *
Memphis, TN 38109In-Person
Finance & Insurance
Less than 5 years of experience
Today
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Job Overview by Ladders

Qualifications

  • 3-6 years in financial/credit analysis within a customer-facing role
  • Bachelor's degree in Business Management, Accounting, Finance, Banking, or equivalent
  • Strong analytical and organizational skills
  • Deep understanding of B2B commercial credit
  • Ability to effectively collaborate at all levels within the company
  • Detail-oriented with complex task management skills
  • Excellent communication and interpersonal abilities
  • Willingness to travel 35% with overnight stays

Responsibilities

  • Lead strategic initiatives and manage projects across functional groups
  • Analyze KPIs and provide actionable recommendations to optimize divisional productivity
  • Conduct financial analysis to identify risks and support credit decision-making
  • Prepare and deliver training presentations to enhance credit management practices
  • Design and recommend new business processes to improve efficiency and customer service
  • Research industry best practices to inform divisional strategies
  • Continuously seek opportunities to implement best practices within the division

Benefits

  • Opportunity to work within a $650MM sales portfolio
  • Ability to influence new business processes and operational efficiency
  • Leadership role with diverse cross-functional project involvement
  • Chance to mentor and coach field teams for improved performance
  • Dynamic work environment with varied responsibilities
  • Potential for travel, enhancing industry relationships and networking
Full Job Description
JOB DESCRIPTION

The Divisional Credit Manager (DCM) is responsible for partnering with International Commercial Credit Manager to help manage the Division’s portfolio of new and existing customers. Each DCM is responsible for supporting and helping grow the $650MM sales portfolio. DCMs are tasked with partnering with sales to support annual sales growth while scrutinizing financial data and analyzing/assessing risk exposures to minimize the risk of loss arising from failure of customers to repay their line of credit. The DCM should be able to provide coaching to the various functions within the field and recommendations on new business processes to improve efficiencies. The DCM assists with managing divisional portfolio through the KPI sales reports, identifying opportunities, and implementing best practices. The DCM has authority to establish $50k line of credit for small, regional, and large automotive repair/service concerns. The DCM is responsible for gathering all the information from the Credit functions (Credit Apps, Cash apps, Disputes, Collections, etc.) and cascading that to the appropriate field teams.


JOB RESPONSIBILITIES
  • The qualified candidate must be an effective leader who is results driven with excellent communication skills, strong business acumen, strong decision-making skills, and a self-starter with the ability to inspire and motivate teams. The Divisional Credit Manager (DCM) must have the ability to excel in a fast paced, multi-tasking environment
  • Review and provide recommendations from key performance indicators (KPIs) which include financial, sales, and activity reports to monitor and measure divisional productivity, goal achievement, and overall effectiveness
  • Ability to perform financial analysis, identify risk, and interpret data for management's use in rendering sound credit decisions
  • Prepare written financial analysis and oral training presentations that support sound credit recommendations consistent with the credit profile of the business
  • Develop, design, and make recommendations on new business processes to optimize operational efficiency and customer service
  • Work to consistently improve upon current tactics and implement best practices across the division
  • Conduct research to determine best practices throughout the industry to be used as a benchmark to success
  • Direct, manage, organize projects and work with other functional groups to ensure successful completion and implementation
  • Serve as lead for some strategic cross-functional projects
  • Perform other duties as required

JOB QUALIFICATIONS
  • A minimum of 3-6 years in financial/credit analysis in a customer facing operation
  • Strong analytical, organizational and communication skills are needed
  • Bachelor's degree in Business Management, Accounting, Finance, Banking, or equivalent experience
  • Strong understanding of B2B Commercial Credit and the establishment of lines of credit
  • Ability to work effectively with all functional levels within AutoZone
  • Must be detail-oriented and able to independently manage complex tasks within a tight time-frame
  • Market, train, counsel, advise, and communicate credit department policy and procedures to company personnel
  • Positive "can-do" attitude always.
  • 35% Travel with frequent overnight stays

About AutoZone

AutoZone is the nation's leading retailer and a leading distributor of automotive replacement parts and accessories with more than 6,000 stores in the US, Mexico, Brazil and Puerto Rico. Each store carries an extensive line for cars, sport utility vehicles, vans and light trucks, including new and remanufactured hard parts, maintenance items and accessories. AutoZone, headquartered in Memphis, TN, is a growing Fortune 300 company with a deep commitment to serving our customers, communities and fellow AutoZoners. We have vast opportunities in our stores, distribution centers, field offices, specialty business units and Store Support Center and embrace diverse experiences, backgrounds, knowledge and ideas to strengthen our teams and business. Our team is connected by a deep commitment to our Pledge and Values, principles established more than thirty years ago that reinforce our priorities and team culture. In addition, we constantly innovate and aspire to best serve our customers, creating new and better tools, training and outreach to serve both DIY and the professional installer customers. From in-store tools to E-Commerce, training and development to recognition, our team has the tools to help you grow your career at AutoZone. See where your drive will take you!

AutoZone Careers

Join the dynamic team at AutoZone, the leading retailer and distributor of automotive replacement parts and accessories in the U.S. At AutoZone, we are committed to providing not just auto parts, but superior customer service and solutions. There has never been a better time to explore the job opportunities available across our expansive network. Work You’ll Do At AutoZone, you’ll be part of a team that values innovation, leadership, and a commitment to excellence. We offer a variety of job opportunities that allow you to help drive growth within the company and the entire automotive industry. From sales to supply chain management, technology to marketing, there’s a place for your passion and skills. Join our team and contribute to a culture that values diversity, leadership, and professional development. AutoZone is not just about car parts—it’s about elevating your career to new heights in an environment that fosters growth and innovation. Professional Growth and Development AutoZone is dedicated to your professional growth. We provide comprehensive benefits and diversity training that ensure our team members are equipped to lead in the automotive and retail industries. Our leadership programs, internships, and continuous learning paths are designed to enhance your skills and advance your career. Innovate with Us Be part of a company that thrives on innovation and operational excellence. At AutoZone, you’ll work with a team of dedicated professionals who are always pushing the boundaries of what’s possible in the automotive world. Our commitment to innovation is at the core of our operations, ensuring that we stay ahead of industry trends and continue to deliver exceptional value to our customers. Networking and Career Advancement AutoZone provides a platform for networking with industry leaders and peers that can lead to incredible career opportunities. Our internal networking events, mentorship programs, and leadership training are geared towards enhancing your professional skills and helping you build meaningful connections within the industry. Join Our Team Search open positions that match your skills and interests. We are looking for passionate, curious, creative, and solution-driven team players. Whether you’re seeking an entry-level position or a more senior role, AutoZone offers a path that aligns with your career ambitions. Stay Connected Keep up to date with the latest in career opportunities and company news at AutoZone. Subscribe to our job alert emails and stay ahead of the game with insider tips, industry news, and exclusive looks into life at AutoZone. Explore AutoZone Careers Discover the opportunities waiting for you at AutoZone. From part-time jobs to full-time careers, from internships to executive positions, AutoZone is hiring across various departments. Ready to accelerate your career? Apply today and drive your future forward with AutoZone. SEARCH AUTOZONE JOBS Join us at AutoZone, where your career journey is just beginning.
Learn more about AutoZone
Size
62,000 employees
Market Cap
$45.5 billion
Industry
Retail & Consumer Goods
Net Income
$1.8 billion
Founded
1979
5 Year Trend
+8.3%
Revenue
$13.3 billion
NASDAQ
AZO
* Ladders Estimates

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