Senior Credit Manager

Team Introduction
We support multiple business lines such as Non-China Ad (GBS&TTMP), non-China PICO, Lark monetization, non-China IP licensing and rental income, continuously optimize ways of working to build an automated accounting system in complex and ever changing business scenarios, as well as support global revenue, collection and clients' credit risk management in an all-round way.
As the Credit Manager, you will oversee the credit granting process for our advertising clients, including direct brands and agency holding companies. You will balance the need to drive ad revenue growth with the necessity of mitigating financial risk. The ideal candidate will have a strong understanding of digital media billing structures (agencies, programmatic, direct) and the ability to partner closely with our Sales and Ad Operations teams.
Responsibilities:
- Credit Assessment: Evaluate the creditworthiness of new and existing advertisers and media agencies by analyzing financial statements, credit reports (e.g., D&B), and payment history.
- Limit Management: Establish, monitor, and adjust credit limits for client ad spend to optimize revenue while minimizing bad debt exposure.
- Cross-Functional Collaboration: Partner directly with Sales, Account Management, and teammates within Finance to create a holistic view of the credit and payment risk of a customer and to develop the best deal possible to allow revenue growth responsibly.
- Policy Development: Develop and enforce credit and collection policies tailored to the fast-paced digital advertising lifecycle and changing economic landscape for North America.
- Reporting: Prepare monthly reporting on A/R aging, bad debt reserves, and credit exposure for executive leadership.
- Risk Mitigation: Create and maintain a cost effective credit insurance program to cover potential loss.
Requirements:
Minimum Qualifications:
- Education: Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
- Experience: 5+ years of experience in credit management and collections, with at least 2 years specifically in digital advertising, ad tech, or media.
- Industry Knowledge: Deep understanding of the advertising ecosystem, including how agency holding companies operate, sequential liability, and programmatic billing.
- Soft Skills: Strong negotiation and communication skills, with the ability to maintain positive client relationships while strictly enforcing financial terms.