As the Sr Credit Manager, you will - Lead, coach, and develop the Credit team, fostering a culture of accountability, collaboration, and customer service. - Oversee customer credit evaluations, risk assessments, credit limits, and exposure management. - Maintain and enhance credit policies, procedures, and controls that balance risk management with business growth. - Drive collections performance by managing aging accounts, negotiating payment arrangements, and reducing bad debt exposure. - Monitor customer payment trends and financial health to proactively identify and mitigate risk. - Manage credit holds and order releases, making sound decisions that support both revenue and risk objectives. - Partner with Sales, Operations, Customer Service, and Finance to resolve issues, improve collection outcomes, and strengthen customer relationships. - Review and approve credit applications, limit increases, and policy exceptions within established authority levels. - Track and improve key metrics, including DSO, collection effectiveness, bad debt expense, cash flow, and working capital performance. - Prepare and present credit risk, collections, and receivables reporting to senior leadership. - Champion process improvements, automation initiatives, and operational efficiencies that enhance team performance and scalability. - Provide credit risk expertise and strategic insights that support key business decisions and long-term growth. To be successful in this role, you have - 10+ years of progressive experience in Credit Management. - Proven leadership experience building and developing successful teams. - Strong expertise in credit risk assessment, collections, receivables, and negotiation. - Exceptional relationship-building and communication skills. - Strong business acumen with the ability to balance customer service, profitability, and risk. - Advanced Microsoft Office skills; experience with Microsoft Dynamics 365 is an asset. - University degree and/or CCP designation preferred. Why Trail? At Trail Appliances, you'll join a company where people matter, ideas are valued, and success is built together. We offer the opportunity to lead, influence strategy, and make a meaningful contribution within a trusted Canadian brand that continues to grow. Ready to lead with impact? We'd love to hear from you. INDHP We inspire possibilities, make shopping ridiculously easy, and help create special moments at home. Are you ready to meet your team?