Director Credit Risk Jobs in Oregon (NOW HIRING)

This role reports to the Director of Accounts Receivable within the CAO organization, whose primary focus is scaling and optimizing Instacart's order-to-cash operations. Our team drives excellence across credit, collections, and AR reporting in support of Instacart's growing B2B business-and we need a seasoned leader to match that pace.

We're hiring a Manager II, Credit & Collections to own all credit and collections activity for our B2B Retailer & Ads Portfolio. You will directly manage a team of collectors and credit analysts-spanning both FTE and BPO resources in a remote environment-and will be responsible for driving collections performance, credit risk management, SOX compliance, and continuous process improvement.

The ideal candidate is a seasoned people leader who has transformed AR operations through process discipline, technology, and cross-functional partnership, and is excited to bring that expertise to a high-growth consumer technology company.

• A high-performing, accountable collections team. Your direct reports-FTE and BPO alike-have clear, collector-level targets, regular coaching, and performance feedback that drives measurable improvement. You've delivered employee performance reviews and built a team culture where development is ongoing, not annual.
• A tighter, more scalable credit risk framework. New B2B retail customers are onboarded with credit reviews, credit terms and limits are established with discipline, and the team applies advanced financial statement analysis and credit process expertise-including bankruptcy knowledge-to make confident, defensible decisions that reduce exposure to delinquency and write-offs.
• SOX compliance that runs like clockwork. Key controls are documented, audit activities are executed on schedule, and the function operates with the financial controllership standards expected of a public company.
• Faster, cleaner AR close cycles. Monthly reporting, reconciliations, and flux analyses are delivered on time and with confidence-and leadership has the visibility they need to make informed decisions about the B2B portfolio.
• Cross-functional trust built across retail, ads, and partnerships. You've developed strong relationships within your area of focus and demonstrated success influencing stakeholders outside it. Customer data discrepancies and contract disputes get resolved faster because you've invested in the partnerships that make escalation the exception, not the rule.
• A collections function that's noticeably better than when you arrived. You've driven enterprise-level projects and executed change management within the function-whether through automation, process redesign, or smarter use of CRM and ERP tools-leaving behind improvements the team will build on for years.

You're a seasoned people leader who has transformed AR operations through process discipline, technology, and cross-functional partnership. You don't just manage to the numbers; you build the systems, habits, and relationships that make performance sustainable. You're equally comfortable presenting findings to a leadership team and rolling up your sleeves to manage escalation of high-risk or delinquent accounts-including direct engagement with customers and internal stakeholders to drive resolution.

• 5-8 years of experience in accounts receivable, credit, collections, or related finance operations, with at least 2-3 years in a people leadership role.
• Demonstrated success managing and developing teams, including goal-setting, performance management, and employee development.
• Proven ability to manage cross-functional relationships and influence stakeholders across business units.
• Solid understanding of SOX key controls, audit requirements, and financial controllership standards.
• Strong analytical skills, including financial statement analysis and credit risk assessment.
• Experience with AR operational approvals such as credit limits, write-offs, refunds, and payment plans.
• Bachelor's degree in Finance, Accounting, Business, or a related field.

• Experienced people leader with a background managing FTE and BPO team structures in a remote setting.
• Demonstrated success transforming AR processes, including cash applications, billing, collections, and credit.
• Familiarity with key CRM and ERP tools such as Salesforce and Oracle.
• Industry experience in tech, advertising, or B2B platforms in an AR leadership capacity.
• Familiarity with AI and automation tools and experience applying them to AR processes.

#LI-Remote