Credit Manager II

Location : Phoenix / Salt Lake City

Job Type : Full-Time

The Role :

As a Credit Manager II at QXO, you'll play a key role in driving profitable growth—balancing credit risk and customer relationships while managing accounts and supporting sales success.

What you'll do :

Drive profitable sales growth by managing customer credit accounts, extending credit within established guidelines, and ensuring timely collection of receivables.

Monitor account activity to identify credit risks, assess payment performance, and recommend credit limit adjustments or escalations as needed.

Communicate directly with customers to resolve disputes, negotiate payment arrangements, and reduce delinquent balances while maintaining strong business relationships.

Partner with sales, branch, and operations teams to align on customer strategy, support account growth, and balance credit risk with sales objectives.

Prepare and analyze aging reports, payment trends, and portfolio metrics to support credit and AR forecasting.

Assist management in evaluating high-risk accounts and supporting escalations when necessary.

Ensure compliance with state lien and bond laws by maintaining accurate project information, securing preliminary notices, and tracking deadlines to protect company lien rights.

Perform duties in a hybrid environment, working both remotely and on-site at local branches as needed.

What you'll bring :

Bachelor's degree in business or a related field preferred

5+ years of credit and collections experience

Customer-focused and able to build strong relationships

Results-driven, with the ability to grow sales while mitigating risk and securing the company's financial position

Experienced in mechanics liens, payment bonds, and UCCs (preferred)

Strong interpersonal, presentation, and negotiation skills

Experience in building materials distribution or the construction industry preferred

Working knowledge of accounting and finance fundamentals; familiarity with lien and bond procedures is a plus

Proficiency in Microsoft Office Suite

Excellent written and verbal communication skills

Occasional travel required for business purposes

What you'll earn :

401(k) with employer match

Medical, dental, and vision insurance

PTO, company holidays, and parental leave

Paid training and certifications

Legal assistance and identity protection

Pet insurance

Employee assistance program (EAP)

About the company

QXO is the largest publicly traded distributor of roofing, waterproofing, and complementary building products in the United States. The company aims to become the tech-enabled leader in the $800 billion building products distribution industry and generate outsized value for shareholders. QXO is targeting $50 billion in annual revenues within the next decade through accretive acquisitions and organic growth.

QXO is an Equal Opportunity Employer. We value diversity and do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, or any other protected status.