What you'll do:
As a
Lead Associate, Credit Operations at QXO, you'll support day-to-day credit and collections activities while serving as an experienced resource for the Credit Operations team. You'll manage complex customer accounts, evaluate credit risk, support collections and account resolution, and provide guidance to team members while helping ensure credit processes are completed accurately, efficiently, and consistently. The ideal candidate combines strong commercial credit and accounts receivable knowledge with analytical thinking, customer service, and the ability to guide others in a fast-paced environment.
This is a hybrid position that can be based out of our Savage, MD or Dover, DE offices.
Credit Operations- Support day-to-day execution of credit operations and established credit procedures
- Review and process new customer credit applications and existing account requests
- Evaluate customer creditworthiness using payment history, credit reports, financial information, and other available data
- Recommend or approve credit limits and account terms within established authority levels
- Monitor customer credit exposure and identify accounts requiring additional review
- Review requests for credit-limit changes, account releases, credit holds, and other account actions
- Handle complex or higher-risk credit requests and escalate significant concerns as appropriate
- Ensure customer account information and credit documentation remain accurate and current
- Maintain consistent application of established credit policies and procedures
Accounts Receivable and Collections- Manage assigned accounts and support collection of outstanding customer balances
- Monitor aging, delinquency, past-due balances, and payment commitments
- Contact customers regarding outstanding balances and coordinate appropriate resolution
- Research and resolve payment discrepancies, deductions, disputes, and account issues
- Partner with customers and internal teams to resolve issues affecting payment
- Identify higher-risk or significantly past-due accounts and recommend appropriate action
- Support efforts to reduce delinquency, improve cash flow, and minimize bad-debt exposure
- Escalate complex collection or account issues to Credit leadership when necessary
Team Leadership and Workflow Support- Serve as a day-to-day resource for Credit Operations team members
- Provide guidance regarding credit procedures, account issues, collections, and system processes
- Help coordinate daily workload and priorities based on customer and business needs
- Assist team members with complex transactions, customer situations, and problem resolution
- Support onboarding and training of new Credit Operations employees
- Assist with cross-training and knowledge sharing across the team
- Reinforce established procedures, service expectations, and documentation standards
- Identify recurring questions or training needs and communicate them to Credit leadership
- Lead by example through accuracy, professionalism, customer service, and accountability
Sales and Customer Support- Partner with Sales and branch teams to resolve customer credit and account concerns
- Serve as an escalation resource for more complex customer inquiries
- Communicate account status, credit decisions, payment requirements, and next steps clearly
- Support resolution of credit holds and other issues that may affect customer orders
- Build productive relationships with customers and internal business partners
- Balance customer needs and business opportunities with appropriate credit-risk considerations
- Provide guidance to internal teams regarding credit policies, procedures, and account requirements
Credit Risk and Account Management- Monitor assigned accounts for changes in payment behavior or credit risk
- Review available financial and credit information to identify emerging concerns
- Recommend changes to credit limits, terms, or account status when appropriate
- Maintain documentation supporting credit decisions and account actions
- Escalate significant customer or portfolio risks according to established procedures
- Support account reviews and other risk-management activities
- Maintain confidentiality of customer financial and business information
Reporting and Documentation- Maintain accurate credit, collection, and customer account documentation
- Prepare and support recurring reports related to aging, collections, credit exposure, and account status
- Track collection activities, customer commitments, and outstanding account issues
- Review account information for completeness and accuracy
- Assist leadership with identifying trends or accounts requiring additional attention
- Support audits and other documentation requests as needed
Process Improvement- Identify opportunities to improve credit workflows, documentation, customer service, and operational efficiency
- Support standardized procedures and consistent execution across the Credit Operations team
- Assist with testing and implementation of system or process enhancements
- Recommend solutions for recurring account, collection, or workflow issues
- Participate in continuous improvement initiatives and special projects
- Support implementation of new credit processes, tools, and technology
- Perform additional duties as assigned
What you'll bring:
- Strong knowledge of commercial credit, accounts receivable, and collections processes
- Ability to evaluate customer credit information and identify potential risk
- Strong analytical and problem-solving skills
- Ability to independently manage complex customer accounts and credit issues
- Strong customer service and relationship-management abilities
- Excellent written and verbal communication skills
- Ability to provide guidance and support to other team members
- Strong organizational and time-management abilities
- Ability to manage multiple accounts, deadlines, and priorities simultaneously
- Excellent attention to detail and commitment to accuracy
- Sound judgment and ability to appropriately escalate risk
- Collaborative approach when working with Sales, Finance, branch teams, customers, and Credit leadership
- Strong sense of ownership, accountability, and follow-through
Preferred Qualifications- Bachelor's degree in Finance, Accounting, Business Administration, or a related field preferred
- 3-5 years of progressive commercial credit, accounts receivable, collections, or related experience preferred
- Previous experience serving as a senior team member, trainer, mentor, or informal team lead preferred
- Experience managing complex commercial customer accounts or credit portfolios
- Experience reviewing credit reports, payment histories, and financial information
- Experience within building materials, wholesale distribution, construction, manufacturing, or another B2B environment is a plus
- Familiarity with ERP, credit management, accounts receivable, and financial systems
- Strong proficiency with Microsoft Office applications, particularly Excel
- Credit or financial industry certification is a plus
- Ability to travel to local offices as needed
Work Environment and Requirements- Work is performed primarily in a professional office or corporate environment
- Frequent computer, telephone, account-analysis, and customer communication work
- Regular interaction with Credit, Accounts Receivable, Sales, Finance, branch teams, and customers
- Ability to sit and work at a computer for extended periods
- Ability to manage recurring deadlines and multiple customer accounts simultaneously
- Extended hours may occasionally be required during month-end, year-end, integrations, or other peak business periods
What you'll earn
- 401(k) with employer match
- Medical, dental, and vision insurance
- PTO, company holidays, and parental leave
- Paid training and certifications
- Legal assistance and identity protection
- Pet insurance
- Employee assistance program (EAP)
Salary Range:
USD $105,000.00 - USD $120,000.00 /Yr.
