Senior Credit & Collections Analyst at Cargurus · LumiJobs

Responsibilities

CarGurus is seeking an experienced Senior Credit & Collections Analyst to join our Credit & Collections team. This is a senior individual-contributor role for someone who can independently manage high-risk and escalated accounts, resolve complex disputes, support reporting and analytical work, and strengthen process execution across a lean, high-performing operation. The right candidate will combine strong collections fundamentals with sound judgment, clear communication, and the ability to operate effectively in complex or ambiguous situations.
Manage high-value and high-risk accounts: Own a portfolio of strategic, sensitive, or otherwise complex customer accounts, with a focus on timely resolution, cash collection, and strong customer relationships.
Lead complex collections activity: Conduct outreach and follow-up on past-due accounts requiring elevated judgment, persistence, negotiation, and stakeholder management.
Own dispute resolution: Independently investigate disputes, negotiate practical outcomes, and drive issues through resolution while protecting company interests.
Partner cross-functionally: Work closely with Sales, Billing, and other internal stakeholders to resolve account issues, unblock payment, and establish clear ownership of exceptions.
Support reporting and prioritization: Contribute to reporting, analysis, and portfolio prioritization that help the team focus effort on the highest-value collection opportunities.
Improve processes: Identify workflow gaps, policy inconsistencies, and recurring friction points, and help implement practical improvements.
Automation and AI-enabled workflows: Contribute to process improvements that reduce manual work, strengthen consistency, and improve team efficiency.
Maintain controls and documentation: Adhere to company policy, internal controls, and documentation standards across all collection activity.
Serve as a senior team resource: Provide day-to-day guidance, escalation support, and assistance with complex account situations across the broader team.
What you'll bring
3+ years of direct B2B credit and collections experience, with demonstrated ability to independently handle complex accounts and escalations.

Senior Credit & Collections Analyst

Responsibilities

Qualification

Required

Benefits

Company

Cargurus

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