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Credit Collections Associate Jobs in Elizabeth, NJ

Adecco

Credit Risk Analyst

Parsippany, NJ · Hybrid

$29.25/hr

The Credit & Collections Analyst will support the Credit Risk Management and Collections teams by ... In addition, our associates may be eligible for paid leave including Paid Sick Leave or any other ...

DSV A/S

Collections Specialist

Iselin, NJ · On-site

$22.50 - $30.50/hr

A minimum of two years' experience in credit and collections. Education : Bachelors or Associates degree, or equivalent post-high school education/training. Technical Proficiency : Demonstrated ...

DSV A/S

Collections Specialist

Iselin, NJ · On-site

$22.50 - $30.50/hr

A minimum of two years' experience in credit and collections. Education : Bachelors or Associates degree, or equivalent post-high school education/training. Technical Proficiency : Demonstrated ...

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All JobsCredit Collections Associate JobsCredit Collections Associate Jobs in Elizabeth, NJ

Credit Collections Associate information

See Elizabeth, NJ salary details

$19

$23

$26

How much do credit collections associate jobs pay per hour?

As of Jul 27, 2026, the average hourly pay for credit collections associate in Elizabeth, NJ is $23.55, according to ZipRecruiter salary data. Most workers in this role earn between $22.02 and $24.42 per hour, depending on experience, location, and employer.

What are some common challenges Credit Collections Associates face when working with customers, and how are these challenges typically addressed?

Credit Collections Associates often encounter challenges such as negotiating payment plans with customers who are experiencing financial difficulties or handling situations where customers are unresponsive. These challenges are typically addressed through developing strong communication and negotiation skills, maintaining professionalism, and following company protocols for escalation. Team collaboration is also essential, as associates often work closely with supervisors or legal teams to resolve complex cases and ensure compliance with regulations.

What are the key skills and qualifications needed to thrive as a Credit Collections Associate, and why are they important?

To thrive as a Credit Collections Associate, you need strong analytical abilities, attention to detail, and a background in finance or accounting, often supported by a high school diploma or associate degree. Familiarity with collections management software, CRM systems, and basic Excel functions is typically required. Outstanding communication, negotiation skills, and resilience help build rapport with clients and manage challenging conversations. These skills ensure effective debt recovery, minimize financial risk, and maintain positive customer relationships for the organization.

What is the difference between Credit Collections Associate vs Credit Analyst?

AspectCredit Collections AssociateCredit Analyst
Primary RoleFocuses on collecting overdue payments and managing delinquent accountsAssesses creditworthiness of clients and analyzes credit data
Required SkillsCommunication, negotiation, debt recoveryFinancial analysis, risk assessment, data interpretation
Work EnvironmentCollections departments, customer service settingsFinance, banking, lending institutions
CertificationsTypically none required; some roles may prefer collections or finance certificationsOften requires finance or credit certifications (e.g., CFA, credit certifications)

While both roles operate within the credit industry, a Credit Collections Associate primarily handles debt recovery and account management, whereas a Credit Analyst evaluates credit risk and financial data to inform lending decisions. They share some skills but serve different functions within financial organizations.

What does a Credit Collections Associate do?

A Credit Collections Associate is responsible for contacting customers to collect outstanding payments on overdue accounts. They review account histories, negotiate payment arrangements, and provide information regarding invoices and payment terms. Their role also involves maintaining accurate records of communications and payments, and escalating unresolved accounts as needed. The goal is to ensure timely payment while maintaining positive relationships with customers.
What job categories do people searching Credit Collections Associate jobs in Elizabeth, NJ look for? The top searched job categories for Credit Collections Associate jobs in Elizabeth, NJ are:
What cities near Elizabeth, NJ are hiring for Credit Collections Associate jobs? Cities near Elizabeth, NJ with the most Credit Collections Associate job openings:
Credit Collections Associate jobs near you
Infographic showing various Credit Collections Associate job openings in Elizabeth, NJ as of June 2026, with employment types broken down into 67% Full Time, 11% Part Time, and 22% Temporary. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $48,987 per year, or $23.6 per hour.
Senior AR Credit & Collections Specialist

Senior AR Credit & Collections Specialist

Town and Country Living

Glen Rock, NJ • On-site

$60K - $76K/yr

Full-time

Posted 13 days ago

Job description

Job Type
Full-time
Description
Town & Country Living is a global leader in home décor, textiles, and design. Our expanded family includes Home Dynamix and Amalgamated Textiles, providing more than 60 years of combined experience in the home décor industry. The combination of all three companies together brings unmatched expertise and excellence in sales, design, development, sourcing, supply chain efficiencies, customer service, and e-commerce fulfillment. With our company's diverse multi-product assortment across all home categories, we can provide excellent offerings and service to our retail partners while responding quickly to the ever-changing needs of the marketplace.
SUMMARY
The Senior AR Credit & Collections Specialist plays a critical role in securing company revenue by managing customer credit risk, driving collections, and resolving complex receivables issues. This role requires advanced analytical and problem-solving skills, strong customer relationship management, and a deep understanding of chargebacks, MSA allowances, and retail compliance. The Senior Specialist partners cross-functionally with Sales, Customer Service, Compliance, and Supply Chain teams to reduce DSO (Days Sales Outstanding), mitigate risk, and improve cash flow.
KEY RESPONSIBILTIES
  • Ensure customer payments are received within agreed-upon terms through proactive communication of aging via email, customer portals, and direct outreach
  • Identify delinquent and high-risk accounts early in the receivables cycle and take corrective action to minimize exposure
  • Review customer creditworthiness and make informed recommendations regarding credit limits, terms, and order releases
  • Periodically analyze customer credit lines and limits based on activity, payment trends, and exposure (quarterly and annually)
  • Release orders within established thresholds and escalate exceptions or high-risk situations to senior management
  • Analyze, validate, and resolve customer chargebacks, deductions, and disputes, including MSA (Merchandising Service Agreement) allowances
  • Partner with Sales, Trade Promotions, Compliance, Customer Service, and Supply Chain teams to research discrepancies and support recovery efforts
  • Track and reconcile promotional allowances, shortages, RTVs (Returns to Vendor), and credits to ensure accurate application and reporting
  • Prepare and analyze AR aging, exposure, and delinquency reports to support hold/release decisions and management review
  • Forecast future delinquency by analyzing customer payment behavior, trends, and credit utilization
  • Summarize receivables by maintaining invoice accounts, verifying balances, and supporting month-end close and reporting processes
  • Provide insights and recommendations to improve collections performance, reduce DSO, and strengthen credit controls
  • Ensure adherence to company credit policies, internal controls, and confidentiality standards
  • Support compliance with retailer requirements, including EDI, deductions management, and documentation standards
  • Identify opportunities to streamline AR, credit, and collections processes and improve reporting accuracy
  • Stay current on accounting best practices and industry trends through ongoing education and professional development

Requirements
QUALIFICATIONS
  • Strong analytical and problem-solving skills with exceptional attention to detail and accuracy
  • Demonstrated ability to resolve complex receivables, chargebacks, and customer disputes independently
  • Professional demeanor with excellent written and verbal communication skills
  • Highly organized with the ability to manage multiple priorities in a fast-paced environment
  • Self-motivated, proactive, and capable of working with minimal supervision while meeting tight deadlines
  • Collaborative team player who can effectively partner cross-functionally

EDUCATION AND EXPERIENCE
  • Associate's degree in Accounting, Finance, or related field (Bachelor's degree a plus) or equivalent experience
  • 5+ years of progressive experience in Accounts Receivable, Credit, and Collections
  • Strong experience managing major retail accounts (e.g., Walmart, Amazon, Home Depot) preferred.
  • In-depth understanding of chargebacks, deductions, MSA allowances, and retail compliance
  • Knowledge of supply chain processes, EDI, import orders, and invoicing
  • Strong technology skills, including advanced Excel and ERP systems
  • Working knowledge of Generally Accepted Accounting Principles (GAAP)
  • Experience with ERP systems such as NetSuite preferred but not required

To apply, submit your resume to CBeltranPrado@tncliving.com and respond to the following 3 questions:
  1. Describe your experience managing complex AR portfolios, including chargebacks and MSA allowances.
  2. How do you analyze and improve collections performance?
  3. What ERP systems, reporting tools, and Excel functions have you used in your AR or credit roles?

Salary Description
$60,000 - $76,000 Annually

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