Location: Tire Rack - South Bend, IN Employment Type: Full-Time, Non-Exempt
Pay: $22.00-$26.00 per hour, based on experience, plus a $2.00 per hour shift bonus for the assigned 10:00 a.m. - 7:00 p.m. schedule.
About the Role
Tire Rack is seeking an experienced Sr. Credit Representative to join our Credit team in South Bend, Indiana. In this role, you will manage a portfolio of wholesale and fleet customer accounts, ensuring timely collections, minimizing credit risk, and supporting the efficient release of customer orders. You will work closely with internal teams and customers to resolve account issues while providing exceptional service and helping protect the financial health of the organization.
This position is ideal for a detail-oriented professional with strong collections experience who thrives in a fast-paced environment, enjoys building customer relationships, and can make sound decisions with confidence and professionalism.
What You'll Do
- Manage a portfolio of wholesale and fleet customer accounts, ensuring timely payment and healthy account status.
- Audit customer accounts to support timely order release and shipment.
- Monitor aged receivables and perform collection activities to maintain payment within established terms.
- Evaluate customer accounts for credit approval, manual holds, and appropriate credit limits.
- Assess and manage credit risk while helping minimize potential financial losses.
- Develop recommendations for credit terms and account management strategies based on account performance.
- Investigate past-due balances, returned payments, including non-sufficient funds transactions, fees, and account discrepancies.
- Handle inbound customer calls through the Automatic Call Distributor system while providing exceptional customer service via telephone, email, fax, and mail.
- Collaborate with Sales, Customer Service, Verification, Accounting, and other departments to resolve account issues and expedite order fulfillment.
- Communicate collection concerns, account resolutions, and potential bad-debt recommendations to management.
- Maintain accurate account documentation and ensure compliance with company policies and procedures.
- Use available credit, communication, documentation, artificial intelligence, and account-management tools to research accounts, organize information, improve efficiency, and support informed decisions.
- Perform other duties as assigned.
What We're Looking For
- Minimum of five years of experience in account management, collections, credit, or a related financial role.
- Strong knowledge of billing processes, credit management, and collection practices.
- Experience using Creditsafe, OneNote, Nuvo, Adobe Acrobat, ChatGPT, Microsoft Copilot, and AS/400, or similar credit, documentation, artificial intelligence, and account-management systems.
- Intermediate to advanced proficiency with Microsoft Office applications.
- Ability to work with online documents, shared files, and electronic paperless documentation.
- Excellent analytical, critical-thinking, and problem-solving abilities.
- Strong organizational skills with exceptional attention to detail and follow-through.
- Excellent verbal and written communication skills.
- Ability to work independently while collaborating effectively with cross-functional teams.
- Ability to make sound account-management decisions using experience, independent judgment, and detailed account analysis.
- Ability to prioritize multiple responsibilities, meet deadlines, and resolve issues with a strong sense of urgency.
- Strong customer-service skills with the patience and professionalism to manage challenging conversations.
- Ability to perform effectively under pressure in a fast-paced environment.
- High school diploma or equivalent required.
- Associate or bachelor’s degree in Accounting, Finance, Business, or a related field preferred.
- An equivalent combination of education and relevant professional experience will be considered.
- At Tire Rack, our people drive our success. We offer an environment where teamwork, customer service, and continuous improvement are valued every day. As a Sr. Credit Representative, you will play a key role in supporting our customers, protecting the business, and helping ensure a seamless experience from order placement through payment.
- If you are an experienced credit and collections professional looking to make an impact with an industry leader, we encourage you to apply.
- Apply today and help drive the future of Tire Rack.
- Normal workdays are Monday through Friday.
- Typical hours are 10:00 a.m. to 7:00 p.m.
- Additional hours, including occasional Saturdays and Sundays, may be required based on business needs.
Benefits include paid vacation days and holidays, comprehensive health insurance, optional 401(k) plan, and employee wellness program.
This brief summary of benefits is a guideline only and is subject to change at any time. For complete details, please contact Human Resources.
Vacation Days and Holidays
You will accrue PTO on the last day of each month, for a total of sixteen (16) days per calendar year. Additional days are earned after four years of full-time service per the policy outlined in our employee handbook (maximum 26 days).
You will receive one (1) business day of regular pay for each holiday for which the company closes. The company currently closes for New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day and Christmas Day.
Insurance
You will be eligible for health insurance coverage on the first day following the completion of your first thirty (30) days of full-time employment.
Tire Rack also offers voluntary dental, vision, life and AD&D, and disability benefits, which you will be eligible to participate in after thirty (30) days of full-time employment.
401(k) Plan
You will also be eligible to participate in the company's 401(k) plan upon reaching age 21 and completing 1,000 hours of service within the 12-month time-period following your date of hire. Your entry date will be the first day of the month coinciding with or next following the date you satisfy both the age 21 and the hours-of-service eligibility requirements. The company will contribute $1.00 in your name for each $1.00 that you contribute to the Plan, up to a maximum of 6% of the employee's eligible compensation. The company's contribution fully vests after three years of full-time employment.
Employee Wellness Program
The employee wellness program's mission is to establish and maintain a workplace culture that supports the health and positive well-being of all company employees. You will have the opportunity to participate in many events and activities to help you achieve your personal well-being goals.
The core of the wellness program consists of periodic on-site biometric screenings, Employee Assistance Program, Take60 lunch and learn sessions, discounted gym memberships, and volunteer opportunities to give back. Access to program information is provided on our internal wellness website, private Facebook group, and wellness bulletin boards.
Orders
