Director, Financial Services

Position Summary

The Director of Financial Services provides strategic and operational leadership for FFF Enterprises Credit and Collections functions ensuring disciplined management of trade receivables strong credit governance and effective protection of corporate financial assets. This role oversees a team dedicated to maintaining best-in-class Days Sales Outstanding (DSO) minimizing bad debt exposure and ensuring the accuracy integrity and compliance of all receivable activities that support the companys financial performance.

A collaborative hands-on leader the Director partners with Finance Accounting Sales and Customer Service to optimize cash flow strengthen data integrity and align credit strategies with business objectives. The ideal candidate demonstrates analytical rigor sound judgment and a proactive approach to continuous improvementfostering a culture of accountability service excellence and operational discipline that advances FFF Enterprises mission toHelp Healthcare Care.

Essential Functions and Duties

Operational Oversight & Strategic Direction:

• Provide oversight and leadership for all Credit and Collections operations ensuring optimal process execution audit readiness and alignment with corporate performance objectives.
• Direct the evaluation and establishment of credit limits for key accounts including thorough credit analysis financial risk assessment and continuous monitoring of payment behavior and exposure trends.
• Define and manage departmental goals and key performance indicators (KPIs) that align with corporate financial objectives driving accountability for accuracy timeliness and operational performance.
• Lead Financial Services processes ensuring effective automation standardized controls and transparent data reporting.
• Collaborate with Finance Accounting Sales and Customer Service leadership to ensure seamless alignment between credit policy cash flow performance and customer experience.
• Ensure operational controls meet audit standards reinforce data integrity and support accurate financial reporting.

Credit & Risk Management

• Administer and enforce credit and collections policies in compliance with all Federal and State regulations establishing strong governance and risk control mechanisms.
• Lead comprehensive credit risk assessments for new and existing customers applying sound financial analysis credit modeling and portfolio monitoring to proactively manage exposure and identify emerging risks.
• Regularly review analyze and present accounts receivable aging reports portfolio trends and credit performance metrics to senior leadership offering insights and recommendations for risk mitigation and process optimization.
• Oversee the selection evaluation and performance of third-party partners including credit evaluation platforms collection agencies and related vendors ensuring consistency in quality cost-efficiency and compliance.
• Establish and nurture productive relationships with financial institutions credit bureaus and collection partners to strengthen due diligence credit visibility and collaborative recovery outcomes.
• Ensure ongoing accuracy integrity and reliability of all financial and credit data within SAP (Collections Credit and Cash modules) and S/4HANA systems driving automation and continuous improvement in data governance.

Compliance Governance & Professional Conduct:

• Ensure Financial Services operations adhere to all credit and collections compliance requirements maintaining rigorous documentation internal controls and audit readiness across all processes.
• Serve as the organizations subject matter expert in credit compliance and litigation support partnering with Legal to interpret regulations respond to inquiries and ensure enforceable defensible practices.
• Provide guidance and training to Financial Services staff on compliance procedures documentation standards and regulatory changes affecting credit and receivable operations.
• Monitor internal controls and risk indicators identifying gaps or potential non-compliance and driving timely corrective action.
• Represent Financial Services during audits legal reviews and compliance examinations ensuring transparency accuracy and full readiness of all supporting documentation.

Leadership & Team Development:

• Provide direct leadership and strategic direction to the Financial Services team overseeing recruitment performance management and professional growth for all Credit and Collections staff.
• Build and sustain a high-performing team culture grounded in accountability clarity and collaboration ensuring expectations and outcomes are consistently aligned with departmental and organizational goals.
• Develop staff capabilities through structured coaching mentoring and targeted training that strengthen technical proficiency analytical rigor and service quality.
• Delegate responsibilities effectively based on individual strengths providing clear goals actionable feedback and development pathways that promote engagement and retention.
• Address performance challenges promptly and constructively maintaining fairness transparency and consistency in all personnel decisions.
• Identify future leadership potential within the team and facilitate career progression pathways aligned with organizational succession planning.

Process Optimization & Continuous Improvement:

• Continuously assess end-to-end Financial Services workflows to identify and implement measurable improvements in speed accuracy and data integrity.
• Partner with Finance IT and Accounting to optimize system integration and enhance automation analytics and workflow performance within SAP and BI platforms.
• Standardize policies procedures and documentation across all distribution centers to ensure consistency compliance and scalability of Financial Services operations.
• Develop and utilize key performance metrics dashboards and trend analyses to monitor process effectiveness and inform strategic decisions at the departmental and enterprise levels.
• Lead change management initiatives that enhance system performance increase transparency and embed a culture of process-driven improvement that directly supports financial accuracy scalability and customer satisfaction.

General Responsibilities:

• Adheres specifically to all company policies and procedures Federal and State regulations and laws.

• Display dedication to position responsibilities and achieve assigned goals and objectives.
• Always represent the Company in a professional manner and appearance.
• Understand and internalize the Companys purpose.
• Display loyalty to the Company and its organizational values.
• Display enthusiasm and dedication to learning how to be more effective on the job and share knowledge with others.
• Work effectively with co-workers internal and external customers and others by sharing ideas in a constructive and positive manner; listen to and objectively consider ideas and suggestions from others; keep commitments; keep others informed of work progress timetables and issues; address problems and issues constructively to find mutually acceptable and practical business solutions; address others by name title or other respectful identifier and respect the diversity of our work force in actions words and deeds.
• Comply with the policies and procedures stated in the Injury and Illness Prevention Program by always working in a safe manner and immediately reporting any injury safety hazard or program violation.

• Ensure conduct is consistent with all Compliance Program Policies and procedures when engaging in any activity on behalf of the company. Immediately report any concerns or violations.
• Other duties as assigned.

Education Knowledge Skills and Experience

Required Education:

• Bachelors degree in Finance Accounting Business Administration or related discipline.

Preferred Education:

• Masters degree in Finance Accounting Business Administration or a related discipline that strengthens analytical and strategic leadership capability.

Required Knowledge:

• Comprehensive understanding of commercial and consumer credit law including Federal and State regulations governing credit extension collections bankruptcy and consumer protection.
• Expert-level understanding of litigation and dispute resolution processes related to Accounts Receivable including documentation discovery and coordination with internal or external counsel.
• Knowledge of credit scoring methodologies portfolio risk analysis cash application processes and the financial implications of credit decisions on cash flow and profitability.

Preferred Knowledge:

• Familiarity with business intelligence (BI) platforms predictive analytics and automation tools that support credit forecasting cash flow modeling and performance tracking.
• Understanding of process improvement methodologies such as Lean Six Sigma or Kaizen and their application to financial operations.
• Knowledge of financial reporting requirements and audit processes specific to healthcare distribution or highly regulated industries.
• Advanced familiarity with SAP financial systems including Credit Collections and Cash modules with demonstrated ability to navigate and utilize integrated data environments such as S/4HANA for reporting and decision support.

Required Experience:

• Minimum ten (10) years of progressively responsible experience managing credit collections or receivable functions within a financial operations distribution or corporate finance environment.
• Minimum ten (10) years of demonstrated leadership experience managing professional and supervisory staff with accountability for performance management coaching and workforce development.
• Proven experience developing implementing and enforcing corporate credit policies internal controls and risk mitigation strategies that align with enterprise financial goals.
• Track record of measurable success in reducing Days Sales Outstanding (DSO) controlling bad debt and improving cash flow predictability.
• Demonstrated ability to manage multi-site operations vendor partnerships and cross-functional teams across Finance Accounting Sales and Customer Service.

Preferred Experience:

• Experience in pharmaceutical distribution healthcare financial operations or other industries subject to stringent compliance and financial oversight.
• Prior involvement in credit litigation contract negotiation or audit resolution at the departmental or enterprise level.
• Experience developing and presenting financial performance insights risk assessments and strategic recommendations to senior leadership and cross-functional steering committees.

Required Skills:

• Advanced analytical critical-thinking and problem-solving skills with the ability to interpret complex financial data and translate insights into actionable strategies.
• Exceptional organizational and project management skills to balance multiple priorities deadlines and competing demands.
• Expert communication and negotiation skills with proven ability to influence and build consensus among internal stakeholders external partners and customers.
• Demonstrated strength in designing and implementing scalable credit risk management billing and collections strategies that align with operational and financial objectives.
• Proficiency in Microsoft Excel (advanced formulas modeling pivot tables) and ERP/BI tools for performance tracking variance analysis and forecasting.
• Adaptability to evolving market conditions regulatory requirements and organizational priorities.
• Strong leadership presence with proven ability to inspire develop and retain high-performing financial professionals.
• Ability to manage sensitive information with discretion and apply sound judgment in complex high-impact decisions.

Preferred Skills:

• Skilled in using data visualization tools (e.g. Power BI Tableau) to communicate performance and risk trends.
• Ability to conduct root cause analyses and implement sustainable solutions that enhance operational resilience.
• Experience creating and delivering professional presentations and reports for executive review.

Required Certifications:

• None.

Preferred Certifications:

• Credit Business Associate (CBA) Credit Business Fellow (CBF) or Certified Credit Executive (CCE) designation from the National Association of Credit Management (NACM).
• Certification in financial management risk analysis or business process improvement (e.g. CMA CRMA or Six Sigma Green Belt) is a plus.

Physical requirements

Vision hearing speech movements requiring the use of wrists hands and/or fingers. Must have the ability to view a computer screen for prolonged periods and the ability to sit for extended periods. Must have the ability to work the hours and days required to complete the essential functions of the position as scheduled. Must have the ability to lift and maneuver items of at least 20 lbs. Must have the ability to travel occasionally. Working condition include normal office setting.

Mental Demands

Learning thinking concentration and the ability to work under pressure particularly during busy times. Must be able to pay close attention to detail and be able to work as a member of a team to ensure excellent customer service. Must have the ability to interact effectively with co-workers and customers and exercise self-control and diplomacy in customer and employee relations situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Must be proactive in finding solutions.

Direct Reports

Yes

EEO Statement

FFF Enterprises and Nufactor are an equal opportunity employer and prohibits discrimination and harassment based on the following characteristics: race color religion national origin physical or mental disability gender age (40 years and over) qualified veteran and any other characteristic protected by state or federal anti-discrimination law covering employment. These categories are defined according to Government Code section 12920. The Company prohibits unlawful discrimination based on the perception that anyone has any of those characteristics or is associated with a person who has or is perceived as having any of those characteristics.