Senior Credit & Collections Analyst

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About the role

Who we are 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. What we do 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! 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. •

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