Credit Manager Cover Letter Template

Dear Hiring Manager, I’ve spent the last few years tightening credit processes in fast-moving industries, and at [Previous Company] I helped cut overdue debt by a meaningful margin while keeping sales momentum. In a role like this, I value clear decision-making and robust controls. In particular, I’ve developed risk assessment tools that work with our existing ERP and credit management system, so the team can act quickly when thresholds are reached. I’m interested in applying that approach at [Company Name] to support growth while protecting cash flow. I bring solid depth in credit risk, assessment, collections, and policy development. I’m comfortable leading policy reviews, setting approval limits, and refining collection strategies. I’ve also worked with sales and operations to translate risk findings into practical actions, and I understand the balance between risk and revenue. I favour practical, data-informed decisions and straightforward reporting that helps stakeholders stay aligned. A recent project comes to mind: I led a cross-functional effort to review customer creditworthiness across three regions and updated our scoring model. We signed off on stricter onboarding checks and more targeted reconciliations for high-risk clients. The changes significantly improved collections timing and reduced bad debt as a share of revenue, while not slowing approved sales to key clients. It was a calm, collaborative process that avoided punitive or blanket measures. I’m open to a chat about how I can contribute to your team and what you’re aiming to achieve this year. I’m available for a discussion at your convenience and happy to provide further detail on my approach and outcomes. Kind regards, [Your Name]