Credit Manager

Company Description Datalink Bankcard Services Company, founded in 1989, is an industry leader in payment processing for Visa, MasterCard, Discover, and American Express across a diverse client base. The company delivers advanced technology solutions in payment processing, PIN debit, mobile, and Ecommerce transactions. Datalink processes over $1 billion annually for businesses nationwide, reflecting its scale and reliability. Its state-of-the-art merchant processing and customer service center employs more than 125 team members who focus on delivering strong product offerings, responsive support, and innovative technologies to merchants. The Credit Manager is a full-time, on-site role based in Richardson, TX. This role is responsible for overseeing credit evaluations for new and existing merchant accounts, including reviewing financial information, assessing creditworthiness, and setting appropriate credit limits and terms. The Credit Manager will monitor portfolio credit risk, identify emerging trends, and recommend strategies to minimize losses while supporting business growth. Daily responsibilities include analyzing transaction and payment data, collaborating with sales and underwriting teams, ensuring compliance with internal policies and regulatory requirements, and preparing periodic reports on credit performance and risk exposure. The role also involves refining credit policies, supporting audits, and providing guidance to internal stakeholders on credit-related decisions.QualificationsCandidates should possess strong Credit Management and Credit skills for evaluating merchant accounts and setting credit terms.Candidates should possess solid Credit Risk Management and Analytical Skills to assess risk, interpret data, and develop mitigation strategies.Candidates should possess foundational Finance skills to understand financial statements, cash flows, and broader financial implications.Experience with payment processing, merchant services, or financial services environments is beneficial.Strong attention to detail, sound judgment, and the ability to make timely, data-driven decisions are essential.Effective written and verbal communication skills and the ability to collaborate with cross-functional teams are required.Bachelor’s degree in Finance, Accounting, Business, or a related field is preferred; relevant professional certifications are a plus.Proficiency with credit assessment tools, spreadsheets, and enterprise reporting systems is advantageous.Preferred ExperienceFamiliarity with any of the following is a plus:Automated Clearing House (ACH) processingMastercard’s MATCH ProgramExperian credit reportsIRS TIN MatchingFiserv (formerly First Data) processing systemsBenefitsDatalink Bankcard Services offers:Comprehensive trainingCompetitive salary based on experienceMedical, dental, vision, and life insurancePaid time offPaid company holidaysA supportive, team-oriented work environmentWork ScheduleMonday through Friday, 8:30 AM – 5:00 PMCompensationSalary will be commensurate with experience.EOE