Senior Credit & Collections Analyst

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
We are looking for an experienced Senior Credit & Collections Analyst to join our growing team! In this role, you'll take ownership of high-risk, complex, and escalated accounts while contributing to key reporting and analytics efforts. The ideal candidate brings a strong mix of B2B collections expertise, advanced analytical skills, and the confidence to resolve tough scenarios independently. This is a great opportunity for someone who enjoys balancing relationship management with data-driven decision-making.
What you'll do

• Own a portfolio of high-value accounts: Manage a set of strategic customer accounts, ensuring timely collections and building strong working relationships.
• Tackle high-risk and escalated cases: Conduct outbound outreach focused on resolving complex, sensitive, or overdue balances.
• Negotiate and resolve disputes: Lead conversations with customers to reach favorable outcomes, resolving issues while protecting company interests.
• Provide strategic insights: Support reporting and analytics initiatives that help drive collections performance and inform business decisions.
• Ensure compliance and improve processes: Maintain adherence to company policies and internal controls, while identifying ways to streamline and enhance existing workflows.

What you'll bring

• 5+ years of hands-on B2B Credit & Collections experience.
• A track record of independently managing complex customer escalations and dispute resolution.
• Strong negotiation skills and sound judgment in high-stakes scenarios.
• Analytical mindset with experience building and interpreting reports (Excel or Google Sheets proficiency required).
• Excellent communication skills-both written and verbal.
• Highly organized, detail-oriented, and comfortable managing competing priorities in a dynamic environment.
• A proactive, problem-solving attitude and a sense of ownership.
• A degree in Finance or a related field is preferred, but equivalent practical experience is also valued.

Working at CarGurus
We reward our Gurus' curiosity and passion with best-in-class benefits and compensation, including equity for all employees, both when they start and as they continue to grow with us. Our career development and corporate giving programs, as well as our employee resource groups (ERGs) and communities, help people build connections while making an impact in personally meaningful ways. A flexible hybrid model and robust time off policies encourage work-life balance and individual well-being. Thoughtful perks like daily free lunch, a new car discount, meditation and fitness apps, commuting cost coverage, and more help our people create space for what matters most in their personal and professional lives.
We welcome all
CarGurus strives to be a place to which people can bring the ultimate expression of themselves and their potential-starting with our hiring process. We do not discriminate based on race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, or sexual orientation. We foster an inclusive environment that values people for their skills, experiences, and unique perspectives. That's why we hope you'll apply even if you don't check every box listed in the job description. We also encourage you to tell your recruiter if you require accommodations to participate in our hiring process due to a disability so we can provide the appropriate support. We want to know what only you can bring to CarGurus. #LI-Hybrid