Lead Credit Analyst

The Credit Analyst supports company-wide credit risk management across the customer lifecycle, including onboarding, underwriting, portfolio monitoring, risk mitigation, claims exposure assessment, and downstream credit recovery support. This role serves as the primary Credit Risk resource for Mexico, Canada, International, and Celtic, with support across other portfolios to ensure continuity of Credit operations and consistent application of credit policy and risk controls.

Partners with Sales, Operations, Finance, Claims, Legal, and Collections to protect company assets, reduce bad debt, and enable sustainable revenue growth through disciplined credit risk management. The ideal candidate combines strong financial analysis skills and sound judgment with the ability to leverage data analytics and visualization tools. They will transform raw financial data into actionable insights, automate portfolio reporting, and proactively mitigate emerging credit risks and anomalies while balancing business growth and the customer experience.

• Perform credit risk assessments for new and existing customers using financial statements, credit bureau reports, trade references, and publicly available financial information
• Recommend credit limits, payment terms, and risk mitigation strategies
• Partner with Sales and Operations to enable customer onboarding with appropriate risk controls
• Support execution of credit policies, approval frameworks, and onboarding standards

• Manage credit monitoring for Canada, Celtic Intermodal, International, and Canada portfolios, while supporting broader portfolio coverage as needed. 
• Monitor credit exposure, utilization, aging, payment performance, and credit alerts
• Conduct periodic credit reviews and reassess customer risk profiles to identify emerging credit risk
• Identify high risk accounts and recommend mitigation actions, including limit adjustments, term modifications, credit holds, and suspensions
• Manage over limit accounts, reactivation requests, and portfolio risk reporting

• Partner with Claims to assess high risk cargo claims exposure and payment risk
• Manage high risk accounts, bankruptcies, disputes, and distressed customers
• Develop customer specific risk mitigation strategies in partnership with Commercial 
• Support company wide credit monitoring and risk initiatives
• Prepare high risk account reviews and escalation recommendations

• Support escalation of delinquent and high risk accounts
• Partner with 3rd party collection agencies on recovery efforts 
• Track and reconcile bad debt recovery activity
• Support OCA workflows and reporting
• Provide risk based recommendations for complex recovery and settlement decisions

• Build and maintain dynamic credit risk dashboards to track portfolio health, utilization, and aging trends.
• Leverage data analytics to strengthen risk controls, establishing automated alerts for early warning signs of customer distress.
• Analyze exposure, delinquency, and bad debt data to identify root causes and predict future default risks.
• Identify process and risk reduction opportunities

• 3+ years in credit, risk, financial analysis, AR, or Order to Cash experience
• Proficiency with business intelligence tools (specifically Power BI or Tableau) with a proven ability to build, model, and maintain interactive dashboards.
• Strong financial statement and credit analysis skills
• Advanced excel proficiency, including XLOOKUPs, Pivot Tables, SQL, and data analysis 
• Strong communication and stakeholder management skills
• Ability to make sound, risk based decisions in a fast paced environment.
• Strong attention to detail and prioritization skills

• Bachelor’s degree in Finance, Accounting, Business, or related field
• Experience in logistics, transportation, supply chain, or freight brokerage 
• Experience with D&B, Moody’s, BillTrust, Salesforce, Oracle Fusion
• Knowledge of credit policy, portfolio monitoring, AR, and bad debt recovery
• Experience utilizing business intelligence tools (Power BI, Tableau) and writing basic SQL queries to extract data, build models, and visualize credit risk portfolio metrics

About Uber Freight 

Uber Freight helps companies move goods more reliably and efficiently. We bring together the technology, people, and transportation capacity they need, using real‑time data from millions of shipments to guide smarter decisions. That helps customers spot issues early, avoid costly surprises, and deliver on time. Uber Freight works with 1 in 3 Fortune 500 shippers across North America and manages over $17B in freight. Learn more at www.uberfreight.com.

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EEOC

Uber Freight is proud to be an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regards to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements.