Manager, Credit Risk



The Financial Operations group at is responsible for making sure money is properly collected from and credited to the hundreds of thousands of customers of and its subsidiaries. The collaborative team includes billing and invoice generation, payment processing, credit extension and fraud prevention.


The Manager, Credit Risk plays a vital role for by designing and implementing quantitative analysis methodologies for the company’s credit processes while driving automation and simplification of technically complex billing processes. The position is responsible for the entire credit granting process, including the consistent application of the company’s credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers. All with the goal of optimizing the mix of company sales and bad debt losses.


With nearly 650,000 monthly subscribers,™ is the leading provider of Internet-based postage solutions. was the first company to be approved by the U.S. Postal Service® to offer a software-only postage service that lets customers buy and print postage online. The Company targets its services to small businesses, home offices and online retailers, and currently has PC Postage partnerships with Avery, Microsoft, HP, the U.S. Postal Service and others. is a publicly traded company on the NASDAQ under the symbol STMP.


Primary Objectives:

  1. Process Automation/Efficiency
  2. Manage billing and collections team
  3. Analyze a wide range of risks
  4. Financial Analysis

Essential Position Duties:

  1. Process Automation/Efficiency
  • Develop and improve metrics for departmental performance
  • Develop policies and processes in concert with other departments such as sales, marketing, and customer support.
  • Simplify a technically complex billing processes
  • Create ongoing training and development of the team
  • Provide robust A/R reporting and analytics to support strategic and day-to-day operations
  • Develop and enforce policies around suspension of delinquent accounts
  1. Manage billing and collections team
  • Supervisory responsibilities including goal setting, coaching, and performance management
  • Negotiate documentation and payment terms with customers
  • Resolve escalations of largest customer issues
  1. Analyze a wide range of risks
  • Create risk management policies for new products being released through regular interactions with subject matter experts throughout the company
  • Develop, and implement quantitative models related to credit risk
  • Design ways to integrate models into day to day risk management and business decisions
  • Improve management of credit limits, and better management of low-volume accounts
  • Periodic credit reviews of existing customers along with adjustments for seasonality
  1. Financial Analysis
  • Review financial statements
  • Review and approve credit applications (credit reports, financial statements)


Education and/or Experience:

  • Bachelor's degree in accounting, finance or related field required, MBA a preferred.
  • Minimum Six (6) years’ experience in credit granting and collection processes as well as credit analysis.
  • Minimum Three (3) years of supervisory experience.
  • E-commerce and or Logistics experience a plus.

Skills and Knowledge:

  • Strong analytical and strategic problem solving skills.
  • Proficient in reading / interpreting financial statements for the purpose of underwriting credit
  • Systems savvy and ability to work with different applications and databases
  • Excellent written and verbal communications
  • Ability to manage relationships both internally and externally
  • Strong customer service skills.

Computer/Software/Application Proficiency:

  • Direct experience with report-building in financial software such as NetSuite or SAP
  • Microsoft Word, Excel (pivot tables),
  • A willingness to learn basic SQL queries

Travel Requirements:








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