Senior Business Credit Lead

As a seasoned professional, you will lead our credit and collections function with strategic vision and hands-on approach. You will be responsible for managing accounts receivable (AR) for a business turning over circa 100m in revenue, with a ledger spanning cash, finance, and rebate income streams across Australia.

Key responsibilities include leading a high-performing team responsible for credit risk assessment, collections, and efficient rebate recovery from State and Federal Government schemes. You will work closely with the finance team to shape commercial terms with new home builders and other partners while ensuring robust credit practices are embedded throughout the sales and fulfillment lifecycle.

Day-to-Day Responsibilities

• Provide day-to-day leadership to the Credit and Collections team
• Develop and refine performance KPIs across credit, collections, and rebate processes; review regularly to adapt to business changes
• Support training and development of the team in regulatory and market developments
• Work alongside operational and sales management to successfully collect customer accounts
• Foster a culture of continuous improvement by identifying pain points and embedding process enhancements

Credit Management & Risk Oversight

• Develop and implement credit policies and procedures tailored to B2B and B2C segments
• Conduct credit assessments and approval processes for new accounts, particularly home builders and commercial clients
• Monitor exposure and mitigate credit risks through proactive ledger management and structured terms
• Full ownership of the accounts receivable ledger

Accounts Receivable & Collections

• Oversee the AR ledger and ensure timely invoicing, collections, and reconciliations
• Work closely with internal stakeholders (e.g. Sales, Customer Service) to resolve disputes quickly and professionally
• Maintain and improve cash flow by reducing DSO and aged debt levels

Rebate Recovery & Scheme Management

• Manage the end-to-end process of rebate collection from government schemes
• Liaise with Approved Certificate Providers (ACPs) and use dedicated platforms to ensure documentation is timely, accurate, and compliant with State/Territory rules
• Keep abreast of changes to renewable energy programs and how they impact collections and eligibility

Dispute Resolution & Compliance

• Oversee customer disputes including NCAT cases and other tribunals
• Ensure compliance with Australian Consumer Law and industry-specific codes, particularly for solar and energy products
• Maintain accurate records for audit and regulatory purposes

Stakeholder Engagement

• Partner with the CFO to align credit terms with commercial strategy
• Collaborate with the Pricing Manager on client risk segmentation and discount/rebate structures
• Support the Sales team with guidance on customer onboarding and payment arrangements

Requirements:

• Experience in B2B environments, particularly construction or home builder segments
• Background in energy, solar, or regulated consumer goods
• Resilient and adaptable in a fast-growing, evolving business environment

Qualifications & Experience:

• 2+ years' experience in credit management, accounts receivable, or financial operations
• Experience leading a credit/collections team in a medium to large organisation
• Deep knowledge of Australian credit and collections laws, including NCAT and consumer protections
• Understanding of renewable energy rebate programs and government scheme administration (desirable)
• Experience in developing KPIs and managing team outcomes through adapting these KPIs to business changes
• Strong working knowledge of Xero, Salesforce, and rebate platforms used by ACPs
• Demonstrated ability to build cross-functional relationships and influence commercial decisions
• High level of attention to detail, process rigour, and customer empathy

Why This Role?

This is an exciting opportunity to join a dynamic, fun and high-performing team that values innovative thinking and strategic action. If you're looking to make a substantial impact in a company that values your expertise, APPLY NOW and align your career with a business that's as ambitious as you are.