The position requires strong leadership, financial analysis expertise, and the ability to build effective cross-functional and external relationships. The Credit Manager also maintains relationships with credit reporting agencies such as Dun & Bradstreet and Credit Risk Monitor and must be able to communicate clearly with diverse audiences.
- Leadership & Team Management
- Provide leadership to Credit Analysts, ensuring consistent application of credit policy.
- Submit high‑risk or high‑value credit requests to senior management.
- Deliver coaching, feedback, training, and backup support on credit processes.
- Prepare monthly customer and credit risk analysis reports.
- Portfolio Credit Risk Management
- Manage credit risk for a customer portfolio, including large and strategic accounts.
- Order Release & Contract Approvals
- Approve all maintenance and professional service contracts per assigned credit authority.
- Collaborate with Sales, Operations, and Collections to manage order risk and control credit exposure.
- Approve and oversee all customer credit holds.
- Sales & Contract Support
- Partner with Sales and Sales Operations to obtain credit information and support credit decisions.
- Review and negotiate credit language in new contracts.
- Maintain proactive communication with Sales and customers.
- Work with Legal on all bankruptcy-related accounts.
- External Relationship Management
- Maintain relationships with financial institutions, collection agencies, and credit reporting agencies such as Dun & Bradstreet and Credit Risk Monitor.
- Participate in process improvement initiatives and carry out management-directed tasks
- Bachelor’s degree in Business Administration, Finance, or Accounting.
- 10+ years of experience as a Credit Analyst.
- 4+ years of people management experience.
- Knowledge and experience with collections processes, practices, and collaboration.
- Superior financial statement analysis skills, including understanding of key financial ratios.
- Strong knowledge of credit risk rating methodologies.
- Knowledge of local and international credit practices, including security instruments (letters of credit, collateral, corporate guarantees).
- Ability to collaborate with Sales to establish appropriate credit lines balancing revenue growth and risk.
- Experience executing credit strategies and understanding bankruptcy laws.
- Strong leadership, organizational, and problem‑solving skills.
- Excellent verbal and written communication skills in English.
- Proficiency with Excel and Word; ability to learn new systems quickly.
- Ability to work in a fast‑paced environment with strict deadlines.
- Experience using Oracle or a similar ERP system.
- Experience leading teams and driving process improvements.
Toshiba Global Commerce Solutions is a dynamic billion-dollar global company based in Research Triangle Park, NC, providing retail store solutions to your favorite brands. Have you ever been in a hurry and made use of the self-checkout at Lowe's Foods, earned fuel rewards at Kroger, or just paid for purchases at retailers such as Walmart, Michaels, Carrefour, The Gap, Calvin Klein, Boots, Cencosud, BJ's, or Costco? These are just a few examples of our in-store solutions and impressive customer base that made us the world's installed market share leader.
The nature of retail is changing quickly, so if you share our 'Together Commerce' vision of a seamless two-way, participatory shopping experience, let's get together to drive the new economy.
Toshiba Global Commerce Solutions, Inc. offers a competitive salary and generous benefits package including the following:
- Group health coverage (medical, dental, & vision)
- Employee Assistance Programs
- Pre-tax spending accounts
- 401(k) plan (with company match)
- Company provided life insurance
- Pet Insurance
- Employee discounts
- Generous paid holiday schedule, paid vacation & sick/personal days
EEO:
Toshiba Global Commerce Solutions is an equal opportunity/affirmative action employer that evaluates qualified applicants without regard to age, ancestry, color, religious creed, disability, marital status, medical condition, genetic information, military or veteran status, national origin, race, sex, gender, gender identity, gender expression and sexual orientation or any other protected factor. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements.
Individuals who need a reasonable accommodation because of a disability for any part of the employment process should email [email protected] to request an accommodation
DIVERSITY, EQUITY & INCLUSION:
We at Toshiba Global Commerce Solutions firmly believe that our people are an integral part to the success of our customers. Furthermore, we're committed to Diversity, Equity, and Inclusion for all our people as highlighted by our 5 Core Principles (Create Outreach, Foster Belonging, Unleash Opportunity, Diverse Cultural Engagement and Culture of Transparency). We're passionate about our customers the retail industry and becoming a more responsible company as we help create a brighter future.
Skills Required
- Bachelor's degree in Business Administration, Finance, or Accounting
- 10+ years of experience as a Credit Analyst
- 4+ years of people management experience
- Knowledge of collections processes and practices
- Superior financial statement analysis skills
- Strong knowledge of credit risk rating methodologies
- Knowledge of local and international credit practices
- Ability to collaborate with Sales to establish appropriate credit lines
- Experience executing credit strategies and understanding bankruptcy laws
- Strong leadership and organizational skills
- Excellent verbal and written communication skills in English
- Proficiency with Excel and Word
- Experience using Oracle or a similar ERP system
- Experience leading teams and driving process improvements
Toshiba Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Toshiba and has not been reviewed or approved by Toshiba.
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Healthcare Strength — Health, dental, and vision coverage, along with disability, life insurance, FSAs, and mental health support, are available across major U.S. subsidiaries. Coverage begins at hire in some entities and is described as comprehensive.
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Leave & Time Off Breadth — Paid time off that grows with tenure and multiple paid holidays, including a year‑end shutdown in some units, are standard offerings. Family and medical leave options are also highlighted in several regions.
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Retirement Support — 401(k) plans with employer matching are offered in multiple divisions, complemented by programs like an employee stock purchase plan and performance bonuses. These financial benefits provide structured long‑term savings support.
Toshiba Insights
What We Do
For over 140 years, Toshiba Group has contributed to a sustainable future by applying innovative technologies to value creation. Today, our business domains center on energy, social infrastructure, electronic devices and digital solutions, all essential supports for modern life and society. Guided by the principles of The Basic Commitment of the Toshiba Group, “Committed to People, Committed to the Future”, Toshiba Group promotes global operations that contribute to the realization of a world where generations to come can live better lives.
