Credit Specialist

We are looking for an experienced **Credit Specialist** to join our team Reporting to Head of Customer Operations, you will be the first point of contact for any credit queries, managing Flo's credit risks and optimising the accounts receivable process to improve cash flow and minimise bad debts.

This role requires a strategic approach to financial management, combining robust credit control practices with efficient accounts receivable management.

This position is perfect for an ambitious professional who enjoys a fast-paced working environment whilst having a keen eye for detail, is able to resolve issues in a timely manner and is able to work both autonomously, and within a team to provide both internal and external customers with excellent service and support.

Full-time - Melbourne
- "It's surely our responsibility to do everything within our power to create a planet that provides a home not just for us, but for all life on Earth."- David Attenborough**About Flo**:
Hi, we’re Flo, and we are on a mission to switch as many people and businesses as possible to clean, renewable energy.

We do that by making clean energy as cheap as conventional energy, investing in smart technology to reduce our operating costs and passing the savings to our members. And yes, it's not impossible.

We are pushing boundaries and breaking conventions of the traditional electricity retailer. To do so, we are looking for like-minded people who share our passion for technology and sustainability. You might be the one we are looking for

**What you will be doing**:
As the Credit Specialist you will:
- Manage the end-to-end credit function, with focus on minimising the working capital bind in the receivables by overseeing the debtors aged trial balance and ensuring overdue accounts are being promptly contacted and collected in accordance with credit policy.
- Achieve the above by maintaining a high collection ratio target as set by the business.
- Perform debt recovery processes & negotiating payment plans with customers.
- Monitor and maintaining appropriate customer credit limits through analysis of sales patterns and credit risk.
- Resolve customer account issues and ensuring that collection processes are adhered to for all overdue accounts.
- Refer debt to third party collection agency when required.
- Support strategy and process development for new business initiatives that involve credit risk.
- Regularly report to leadership team on accounts receivable performance, including trend analysis and business/ market context.
- Continuously review processes and seek to find efficiencies to drive down average accounts receivable days and minimise bad debts with a focus on opportunities to leverage technology to automate and streamline operations.
- Have the ability to work in (and with) a fast paced environment and flexible to work with fluctuating operational demands-
- Extensive experience in credit control and accounts receivable management, ideally within the energy sector or similar industries.
- Excellent communication (written and verbal) skills, with experience in negotiating
and holding difficult conversations.
- Strong analytical and problem-solving skills, with proficiency in financial software and systems related to credit management and accounts receivable.
- Demonstrated ability to both work as a team player and independently with a number of diverse stakeholders.
- Proven ability to work autonomously in a very fast-paced environment.
- Tertiary degree qualification in Finance or Commerce preferable
- **Extra points if you**:
- Are tech-savvy, with an interest in leveraging technology to enhance operational efficiency and sustainability.
- Experience in commercial credit risk assessment. Business lending experience is ideal**Culture and benefits**:
- An exciting start up position where you can make an impact.
- Get involved in product development and regional expansion from the ground up to chart the future of Flo.
- A lot of freedom and an essential role in the Customer Operations Team
- Work in an open-minded and dynamic environment
- Five weeks annual leave and great work-life balance**Equal Opportunity Employer Statement**:
We are committed to building diverse teams and creating an inclusive workplace that enables all our employees to perform at their best, regardless of nationality, ethnicity, religion, age, gender identity or sexual orientation. We are dedicated to creating a work environment where everyone is treated with respect and dignity, and where all employees have the opportunity to reach their full potential. We believe each individual's uniqueness is invaluable and helps make our company better.

**Join a fast-growing electricity retailer that's making renewable energy accessible for all**:
We are looking for growth minded people who share our values and beliefs. We would love to hear from you, even if you feel unsure about meeting every requirement listed above.
- Join us as our new Credit Specia