Senior Director, Credit

Blackhawk Network

Senior Director of Credit responsible for enterprise credit risk strategy and governance at Blackhawk Network. Leading a high-performing team in credit management, collections, and risk analysis.

Posted 6/3/2026full-timeAlaska, North Dakota, South Dakota • 🇺🇸 United StatesSenior💰 $144,770 - $195,450 per yearWebsite

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Hard Skills

credit risk strategycredit governancecredit policiescredit scoring modelsfinancial statement analysiscash flow assessmentcovenant structuringdecisioning toolscollections strategycredit limit setting

Soft Skills

leadershipmentoringteam developmentcross-functional collaborationstrategic alignmentperformance managementcommunicationproblem-solvingnegotiationstakeholder engagement

Tools & Technologies

Excelcredit systemsERP platformsAR platformsbusiness intelligence tools

Industry Keywords

credit riskcorporate creditcommercial lendingcredit portfolio managementDSOwrite-offsloss ratesfinancial objectivesrisk escalation processescustomer onboarding

Tech Stack

Tools & technologies

ERP

About the role

Key responsibilities & impact

Define and own the enterprise credit risk strategy, aligning it with overall financial and commercial objectives
Lead, mentor, and develop a high-performing credit team (managers, analysts, and specialists) across regions
Establish and maintain credit governance, including policies, standards, approval matrices, and risk escalation processes
Represent Credit in senior leadership forums and cross-functional initiatives (e.g., new products, large deals, M&A)
Design and maintain credit policies and procedures covering new customer onboarding, credit limit setting, and ongoing reviews
Own collections strategy and performance; establish targets for DSO, bad-debt expense, and dispute resolution
Implement and enhance credit scoring models, risk ratings, and decisioning tools
Partner with Sales, Product, and Finance on deal structuring, pricing trade-offs vs. risk, and non-standard term requests

Requirements

What you’ll need

Bachelor’s degree in Finance, Accounting, Economics, Business, or related field
10–15+ years of progressive experience in credit risk, corporate credit, or commercial lending, including at least 5 years in a senior leadership role
Demonstrated track record managing a large, complex credit portfolio and improving key metrics (DSO, write-offs, loss rates)
Strong expertise in financial statement analysis, cash flow assessment, and covenant / contract structuring
Proven experience leading and developing multi-location or global teams
Advanced Excel and familiarity with credit systems, ERP/AR platforms, and business intelligence tools

Benefits

Comp & perks

401k with employer match
medical, dental, vision
12 paid holidays in the year 2026
sick pay accrual according to state law
parental leave
life insurance
disability insurance
accident and illness insurance
health and dependent care flexible spending accounts
wellness benefits
flexible time off for all full-time employees