Credit and Collections Analyst Jobs
Credit and Collections Analyst jobs are open across banking, healthcare, retail, and financial services, at every level from entry-level to senior analyst, with specializations in accounts receivable management, credit risk assessment, and debt recovery. See the openings below and apply to the ones that match your experience.
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- Help design, implement and continuously improve the collections process to minimize collection risk while maintaining the customer relationship.
- Provide support to internal customers (Sales Service Reps and Account Managers) through meaningful metrics, standard reports, credit evaluation and collections trends.
- Monitor US & Canadian AR aging reports for assigned customers.
- Expedite collection of receivables for assigned accounts.
- Remove roadblocks through cooperative problem resolution and relationship building.
- Ensure payment remittances are received and processed in a timely and accurate manner.
- Collaboratively work with the AR Cash Applications Analyst to ensure payments or credits on account that are unapplied to invoices are researched and resolved timely.
- Use spreadsheets to analyze discrepancies between customer and company receivable details.
- Communicate with Sales Service Reps and Account Managers to provide information on customer delinquencies and credit issues and participate in the development and implementation of solutions.
- Access and understand D&B and CRM credit reports and provide credit-related input to Management for customer decisions.
- Communicate with customers and document the information obtained from these communications.
- Willingness to cross-train and serve as a backup for the essential functions of other teammates.
- Experience resolving high-volume discrepancies that warrant in-depth investigations and implementing process improvements.
- Energetic, eager to learn, process-improvement driven, well organized and self-motivated.
- Experience in dealing with large customers on a commercial level.
- Good computer and typing skills.
- Excellent verbal and written communication skills, including the ability to effectively communicate with internal and external customers.
- Able to work under pressure and meet deadlines, while maintaining a positive attitude and providing exemplary customer service.
- Able to work independently and complete assignments within parameters of provided instructions, prescribed routines and standard practices.
- Bachelor degree in Business Administration, Accounting or Finance preferred
- Five + years of credit and collections experience, including the evaluation of customer credit
- Working knowledge of SAP business system software is strongly preferred
- Proficient in Microsoft Office applications (Word and Excel) a plus
- Exposure to international collections a plus
- This individual must have commercial experience
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Find JobsCredit and Collections Analyst Job Market
Who's Hiring



Top Industries Hiring
- Agriculture & Farming
- Staffing & Recruiting
- Technology & Software
- Distribution & Wholesale
What Employers Look For
The qualifications that appear most often in credit and collections analyst jobs.
- Experience with accounts receivable management and collections processes
- Proficiency in ERP or collections management software such as SAP or Oracle
- Knowledge of the Fair Debt Collection Practices Act and relevant compliance regulations
- Strong analytical skills with experience pulling and interpreting aging reports
- Associate or bachelor's degree in finance, accounting, or a related field
- Familiarity with credit scoring models and credit risk evaluation frameworks
Tips for Your Credit and Collections Analyst Job Search
Quantify your recovery metrics on your resume
Hiring managers for credit and collections roles scan for concrete outcomes. Replace vague descriptions with numbers: how much overdue debt you recovered, how you reduced days sales outstanding, or what your collection rate looked like on a given portfolio.
List your collections software by name
Many applicant tracking systems filter resumes by software keywords. Name the platforms you've used, such as specific collections management or accounts receivable tools, so your application clears automated screening before a human ever reads it.
Target postings by industry to sharpen your fit
Credit and collections workflows differ significantly across healthcare, auto lending, and commercial banking. Filter openings by industry and tailor your resume to reflect the specific regulatory environment and account types that sector involves.
Apply early to roles that fit
Migrate Mate lists credit and collections analyst openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare for scenario-based interview questions
Interviewers frequently ask how you've handled a debtor disputing a balance or a high-risk account approaching charge-off. Prepare two or three specific situations where you resolved a difficult collections case while keeping the customer relationship intact.
Negotiate by citing portfolio complexity, not tenure
When discussing compensation, anchor your ask to the size and risk profile of accounts you've managed rather than years of experience. Demonstrating that you've handled high-volume or high-dollar portfolios gives you a concrete basis for a stronger offer.
Credit and Collections Analyst Jobs: Frequently Asked Questions
Which companies are hiring the most credit and collections analysts?
The most active employers for credit and collections analysts right now are Julius Silvert, EPB, and QUAD, and the most openings are in Pennsylvania, Illinois, and Ohio, based on current listings on Migrate Mate as of November 2026. Healthcare systems and financial services firms consistently post the highest volumes of openings in this role.
How many credit and collections analyst jobs are remote?
About 73% of credit and collections analyst openings are fully remote or hybrid as of November 2026, reflecting broader flexibility in finance and operations roles. Accounts receivable analysis and credit review work tends to be more remote-compatible than collections roles that require direct customer contact or on-site access to payment processing systems.
How do you become a credit and collections analyst?
Most credit and collections analysts start with a degree in finance, accounting, or business, then gain experience in accounts receivable, billing, or customer account management. Building familiarity with collections regulations, ERP software, and credit reporting systems strengthens your profile. Many employers also value practical experience resolving disputed balances or managing aging portfolios over formal certifications alone.
Can you get a credit and collections analyst job with little experience?
Yes, entry-level credit and collections analyst roles are realistic for candidates who can demonstrate relevant adjacent experience. Work in billing, customer service involving payment disputes, or accounts receivable clerking translates directly. Emphasizing your comfort with financial data, attention to detail on account reconciliation, and any exposure to collections workflows makes a strong case even without a dedicated analyst title on your resume.
What does the credit and collections analyst interview process look like?
The process typically starts with a phone screen focused on your collections background and familiarity with compliance requirements. A hiring manager interview follows, often including scenario questions about difficult accounts or aging report analysis. Some employers add a short technical exercise involving a sample portfolio or spreadsheet, then close with a final round covering culture fit and role expectations.
Where can I find and apply to credit and collections analyst jobs?
You can find and apply to credit and collections analyst jobs on Migrate Mate, which lists current openings from across the United States. Search for roles that match your experience level and specialization, then apply directly to each listing that fits.
See All 69 Credit and Collections Analyst Jobs
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