Director Credit Risk Jobs in Boston, MA (NOW HIRING)

Sager Electronics is seeking a strategic and experienced Director, Credit Strategy & Accounts Receivable, to lead our credit risk and receivables functions. This role is responsible for designing and managing the company’s credit risk framework, optimizing cash flow, and supporting safe, profitable growth.

The Director will oversee credit assessment, lending limits, and portfolio strategies while leading all aspects of the Accounts Receivable function, including credit exposure, collections, and team management.

What You’ll Do:

Credit Risk Management & Strategy

• Design, implement, and maintain corporate credit policies, risk appetite, and portfolio concentration limits
• Communicate credit policies effectively to sales teams and stakeholders
• Serve as senior escalation point for complex transactions and hold high-level credit approval authority
• Evaluate customer creditworthiness and ensure appropriate credit limits and multipliers are in place
• Monitor overall portfolio health, including financial trends, stress indicators, and risk exposure

Collections & Cash Flow Optimization

• Lead end-to-end collections strategy to improve cash flow and minimize Days Sales Outstanding (DSO)
• Provide leadership on collection actions, including escalation to legal remedies when appropriate
• Oversee resolution of complex customer disputes and negotiate payment structures or amendments

Compliance & Governance

• Ensure all credit and collection activities comply with applicable laws, regulations, and internal standards
• Partner with internal audit, external auditors, and regulatory entities as needed
• Deliver regular reporting on credit exposure, portfolio health, and risk metrics

Leadership & Cross-Functional Collaboration

• Lead, develop, and manage the Credit and Accounts Receivable team
• Drive employee engagement, performance management, and professional development
• Partner with Sales, Finance, Legal, and Risk teams to align credit strategy with business goals
• Support sales efforts through customer engagement, including visits to customers and branch locations
• Provide leadership during ERP or system implementations related to credit and AR
• Take on additional responsibilities as needed to support the organization

What You Bring:

Education

• Bachelor’s degree in business, Accounting, Finance, or a related field (or equivalent experience)

Experience & Skills

• Seven to ten years of experience in credit management, accounts receivable, or related functions
• Prior leadership experience with direct team management
• Strong understanding of credit risk principles, including exposure management, collections, and invoicing
• Experience with ERP systems, including involvement in implementations or enhancements
• Proven ability to lead AR operations and drive process improvements
• Strong analytical skills with the ability to interpret financial and operational data such as DSO and bad debt trends
• Excellent communication and stakeholder management skills
• Demonstrated ability to collaborate across functions and build trusted partnerships
• Effective problem-solving and decision-making skills, with the ability to act quickly when needed
• Ability to support sales teams while balancing risk and customer relationships
• Willingness to travel and maintain an in-office presence as required

Compensation:

Annual base salary range of $142,200 – $160,300, plus eligibility for a 20% discretionary annual bonus. Total target annual compensation ranges from $170,640 – $192,360.

Actual compensation may vary based on factors such as geographic location, experience, education, and skill level. Final base salary and bonus details will be confirmed at the time of offer.

Location:

Regular on-site presence in the Norwell, MA office as needed and some travel required. Due to the on‑site requirements of this position, applicants are expected to reside within a reasonable commuting distance of the designated work location (Norwell, MA). This role does not offer relocation.

Why Join Us?

At Sager Electronics, we value our team members and strive to provide a comprehensive benefits package for full-time employees. Here is what you can expect:

• Medical, dental, and vision insurance to keep you and your family healthy.
• 401(k)/Roth plan with matching, ensuring your financial future is secure.
• Healthcare Savings Accounts for added flexibility in managing medical expenses.
• Educational Assistance (Tuition Reimbursement) to support your ongoing learning and development.
• Continuous training opportunities throughout your employment, empowering you to grow both personally and professionally.
• A strong commitment to giving back to our communities through philanthropic opportunities and volunteer hours.
• We understand the importance of work-life balance, and our Paid Time Off is designed to support our employees' well-being.

Sager Electronics, a TTI, Inc. Company, is a North American distributor of Interconnect, Power and Electromechanical components from leading manufacturers worldwide and a provider of custom value-add solutions. Grounded in over 135 years of innovation and service, Sager Electronics provides customers and suppliers a unique combination of operational excellence and innovative business solutions through its Distributing Confidence® business model. Headquartered in Middleborough, MA, Sager operates a national network of field sales representatives and power systems sales engineers, ten strategically located service centers, and a value-added Custom Solutions Center in Lewisville, TX. To learn more about us, visit www.sager.com

To perform the position, you must be a U.S. Person as defined by ITAR. ITAR defines a U.S. Person as a U.S. Citizen, U.S. Permanent Resident (i.e., ‘Green Card Holder’), Political Asylee, or Refugee. Visa sponsorship is not available for this role. Only candidates authorized to work in the United States will be considered.

We are an Equal Opportunity Employer, and we support protected veterans and individuals with disabilities through our affirmative action program.