Senior Credit Risk Analyst Jobs in Kentucky (NOW HIRING)

At CarGurus (NASDAQ: CARG), our mission is to give people the power to reach their destination. We started as a small team of developers determined to bring trust and transparency to car shopping. Since then, our history of innovation and go-to-market acceleration has driven industry-leading growth. In fact, we’re the largest and fastest-growing automotive marketplace, and we’ve been profitable for over 15 years.

The market is evolving, and we are too, moving the entire automotive journey online and guiding our customers through every step. That includes everything from the sale of an old car to the financing, purchase, and delivery of a new one. Today, tens of millions of consumers visit CarGurus.com each month, and 30,000 dealerships use our products. But they're not the only ones who love CarGurus—our employees do, too. We have a people-first culture that fosters kindness, collaboration, and innovation, and empowers our Gurus with tools to fuel their career growth. Disrupting a trillion-dollar industry requires fresh and diverse perspectives. Come join us for the ride!

CarGurus is seeking an experienced Senior Credit & Collections Analyst to join our Credit & Collections team. This is a senior individual-contributor role for someone who can independently manage high-risk and escalated accounts, resolve complex disputes, support reporting and analytical work, and strengthen process execution across a lean, high-performing operation. The right candidate will combine strong collections fundamentals with sound judgment, clear communication, and the ability to operate effectively in complex or ambiguous situations.

• 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).

$67,000 — $84,000 USD

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.

CarGurus strives to be a place to which people can bring the ultimate expression of themselves and their potential—starting with our hiring process. We do not discriminate based on race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, or sexual orientation. We foster an inclusive environment that values people for their skills, experiences, and unique perspectives. That’s why we hope you’ll apply even if you don’t check every box listed in the job description. We also encourage you to tell your recruiter if you require accommodations to participate in our hiring process due to a disability so we can provide the appropriate support. We want to know what only you can bring to CarGurus. #LI-Hybrid