Senior Credit & Collections Analyst

Role overview

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.

What you'll do

• 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.

What you'll bring

• 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.