Senior Credit & Collections Analyst

• Manage high-value and high-risk accounts: Own a portfolio of strategic, sensitive, or otherwise complex customer accounts, with a focus on timely resolution, cash collection, and strong customer relationships.
• Lead complex collections activity: Conduct outreach and follow-up on past-due accounts requiring elevated judgment, persistence, negotiation, and stakeholder management.
• Own dispute resolution: Independently investigate disputes, negotiate practical outcomes, and drive issues through resolution while protecting company interests.
• Partner cross-functionally: Work closely with Sales, Billing, and other internal stakeholders to resolve account issues, unblock payment, and establish clear ownership of exceptions.
• Support reporting and prioritization: Contribute to reporting, analysis, and portfolio prioritization that help the team focus effort on the highest-value collection opportunities.
• Improve processes: Identify workflow gaps, policy inconsistencies, and recurring friction points, and help implement practical improvements.
• Automation and AI-enabled workflows: Contribute to process improvements that reduce manual work, strengthen consistency, and improve team efficiency.
• Maintain controls and documentation: Adhere to company policy, internal controls, and documentation standards across all collection activity.
• Serve as a senior team resource: Provide day-to-day guidance, escalation support, and assistance with complex account situations across the broader team.

• 3+ years of direct B2B credit and collections experience, with demonstrated ability to independently handle complex accounts and escalations.
• Strong judgment in high-stakes or ambiguous situations, with the ability to balance cash-flow protection, customer impact, and internal alignment.
• Demonstrated success resolving disputes, negotiating payment outcomes, and managing sensitive customer conversations.
• Strong analytical skills, including experience using Excel or Google Sheets to organize information, identify trends, and support decisions.
• Clear and effective written and verbal communication skills.
• Highly organized and detail-oriented, with the ability to manage multiple priorities in a fast-paced environment.
• A proactive, ownership-driven mindset and willingness to investigate issues that do not have an obvious answer.
• Experience in a subscription, SaaS, or other high-volume B2B environment is a plus.
• A college degree in Finance, Accounting, Business, or a related field is preferred, or equivalent practical experience.

The displayed range represents the expected annual base salary / On-Target Earnings (OTE) for this position. On-Target Earnings (OTE) is inclusive of base salary and on-target commission earnings, which applies exclusively to sales roles.

Individual pay within this range is determined by work location and other factors such as job-related skills, experience, and relevant education or training.

This annual base salary forms part of a comprehensive Total Rewards Package. In addition to benefits, this role may qualify for discretionary bonuses/incentives and Restricted Stock Units (RSUs).

Position Pay Range

$67,000-$84,000 USD

Working at CarGurus

We reward our Gurus' curiosity and passion with best-in-class benefits and compensation, including equity for all employees, both when they start and as they continue to grow with us. Our career development and corporate giving programs, as well as our employee resource groups (ERGs) and communities, help people build connections while making an impact in personally meaningful ways. A flexible hybrid model and robust time off policies encourage work-life balance and individual well-being. Thoughtful perks like daily free lunch, a new car discount, meditation and fitness apps, commuting cost coverage, and more help our people create space for what matters most in their personal and professional lives.

CarGurus may require in-person interviews as part of our hiring process, particularly for positions based in our Boston and Dublin offices. Candidates selected for an in-person interview will be notified in advance. Please be aware that travel expenses are the responsibility of the candidate.