Credit Analyst

Toronto, ON
On-site
Posted Oct 9, 2026
1 position

Opens an external site

Employment type: Full-time
Experience level: Senior · 6+ years
Posting language: English
Working hours: 40 hours per week

Job summary

The Credit Analyst will manage credit risk across the Invoice to Cash cycle by assessing customer creditworthiness and recommending credit limits. They will also monitor portfolios for risk signals and document decisions to ensure compliance with audit standards and revenue recognition policies.

Job details

A LITTLE BIT ABOUT Boldr Boldr is the first global B-Corp dedicated to delivering world-class Client experiences while creating access to dignified, meaningful work in communities around the world. We are a global team, united by our desire to connect diverse people with common values for boldr impact. LET’S START WITH OUR VALUES Meaningful connections start with AUTHENTICITY We do our best work by being CURIOUS We grow by remaining DYNAMIC Our success combines AMBITIOUS VISION with OPERATIONAL EXCELLENCE At the heart of great partnerships we’ll always find EMPATHY WHAT IS YOUR ROLE As a Credit Analyst, you will manage credit risk across the Invoice to Cash cycle, from signed order to cash in the bank. You will assess the creditworthiness of new and existing customers, recommend credit limits and payment terms, review held orders for customers with past due balances, and screen for fraud. Once customers are onboarded, you will monitor the portfolio for changes in payment behavior, exposure, or external risk signals, and raise concerns to Collections and leadership before balances become past due. You will balance protecting the company from late payment, non-payment, and fraud against keeping the sales process moving for legitimate customers. Each decision will be documented to the audit standard in support of revenue recognition under ASC 606. Working closely with Sales, Deal Desk, Collections, Revenue Accounting, and Legal, you will also recommend improvements to credit thresholds, procedures, and tooling as the function grows. WHY DO WE WANT YOU We are currently looking for impact-driven individuals who are passionate about helping Boldr grow and achieve our Purpose. We expect our Team to become our ultimate partners to success by always giving their 110% in everything, sharing their talents and quirks, and championing our core values: Curious, Dynamic and Authentic. WHAT WILL YOU DO Credit Reviews Perform creditworthiness reviews for new customers and existing customers requesting additional credit, applying the Credit Policy and risk tolerance thresholds. Recommend credit limits, payment terms, prepayment, or other risk mitigation where appropriate. Analyze company financial statements and third-party credit reports, and translate them into clear credit recommendations. Review prospective customers and orders for indicators of fraud, and escalate or decline in line with established procedures. Review order release requests for customers with past due balances, weighing collection risk against the customer relationship and revenue opportunity. Communicate credit decisions and conditions clearly, in writing, to Sales and Collections. Monitoring and Reporting Monitor the customer portfolio for changes in payment behavior, exposure, or external risk signals, and raise concerns to Collections and leadership before balances become past due. Track and report on credit review volume, turnaround time, exposure, and outcomes, and use the data to identify where reviews add friction without reducing risk. Share insights from credit reviews with Collections, Sales, and Deal Desk so that patterns in credit risk inform how the business sells and collects. Documentation, Policy, and Compliance Document every review, decision, and exception so that the credit file supports collectibility assessments under ASC 606 and can be produced for auditors without rework. Review credit risk tolerances, policies, and procedures, and recommend improvements, including where automation or AI tools can take on routine reviews. Support internal and external audits and SOX testing related to credit. Maintain the credit procedure documentation the team relies on. WHAT WE’LL LIKE ABOUT YOU YOU ARE… Curious and authentic, just like us! #beboldr An analytical and critical thinker, with an eye for even the most minute of details Passionate about client satisfaction. Proactive and self-motivated Strongly interested in learning new ideas, processes, and unique requirements. On top of that, you're willing to share your skills and talents with the team. Able to handle and prioritize multiple tasks and meet deadlines Able to act independently to determine methods and procedures on new or special assignments Able to maintain confidentiality and exercise extreme discretion Honest and trustworthy Able to adapt to change and learn quickly You are able to work onsite full time You are able to adapt to schedule changes (Primary schedule follows US business hour, but schedule may change depending on operational needs) YOU HAVE… 6+ years of experience in commercial credit, credit risk, or a related accounts receivable role, ideally at a business-to-business software or consumption-based company Experience performing commercial (business-to-business) credit reviews and making credit recommendations under a written credit policy The ability to read and interpret company financial statements and third-party credit reports, and translate them into a credit recommendation Experience documenting credit decisions to a standard that internal or external auditors have relied on A working understanding of how customer credit assessments support the collectibility requirement under ASC 606 Experience contributing to the design of a credit policy, scoring model, or risk tolerance framework, not only operating within one Experience as a founding or early member of a credit team at a fast-growing company, including helping to stand up the policy, procedures, and tooling Experience identifying and preventing first-party or account-opening fraud in a business setting Experience with an order hold and release process and with partnering directly with Sales on credit decisions Experience supporting SOX controls or audit requests in a credit or accounts receivable function Experience in sales enablement and go-to-market support, and familiarity with the end-to-end deal cycle Experience with credit and collections platforms (such as Tesorio, HighRadius, Billtrust, or Growfin) and credit data providers (such as Dun & Bradstreet, Moody's, Experian, or Creditsafe) Familiarity with Salesforce, Stripe, or an ERP such as NetSuite, Oracle, or SAP Clear, concise written communication skills, as most decisions are delivered in writing to people outside Finance Comfortable using AI tools in day to day work and interest in applying them to credit review and monitoring Proficiency in Excel or Google Sheets for exposure analysis and reporting, and basic SQL for pulling your own data

What you’ll do

Requirements

Candidates must have 6+ years of experience in commercial credit or accounts receivable, with a strong ability to interpret financial statements and credit reports. Proficiency in credit platforms, ERP systems, and data analysis tools like Excel and SQL is required to support audit and risk management functions.