Manager II, Credit & Collections

About Instacart

Instacart is working to reshape grocery shopping by making it easier for people to get the food and household items they need, while also creating flexible earning opportunities for shoppers. The company’s mission is centered on helping people save time and enjoy food together, and its platform supports millions of customers who depend on the service as part of everyday life.

Instacart operates with a flexible-first approach, giving employees the freedom to do their best work from home, in an office, or another preferred location while still staying connected through regular in-person gatherings.

Role overview

This position sits within the Accounts Receivable function and reports to the Director of Accounts Receivable in the CAO organization. The team is focused on improving and scaling order-to-cash operations, with particular emphasis on credit, collections, and AR reporting for Instacart’s growing B2B business.

As Manager II, Credit & Collections, you will lead the full credit and collections function for the B2B Retailer and Ads portfolio. The role includes direct management of collectors and credit analysts, covering both full-time employees and BPO resources in a remote setup. Success in this role depends on strong leadership in collections execution, credit risk control, SOX compliance, and ongoing process improvement.

The company is looking for a leader who has strengthened accounts receivable operations through disciplined processes, effective use of technology, and strong collaboration across teams, especially in a fast-growing consumer technology environment.

What success looks like in the first year

• A motivated and accountable collections team with clear targets, frequent coaching, and ongoing feedback that leads to measurable performance gains.
• A stronger and more scalable credit risk model for new B2B retail customers, with structured credit reviews, well-defined terms and limits, and confident decisions supported by financial statement review and bankruptcy awareness.
• SOX controls and audit activities that are consistently documented and completed on time, with the function operating at public-company controllership standards.
• Shorter and more reliable monthly close cycles, with timely reporting, reconciliations, and flux analysis that give leadership clear visibility into the B2B portfolio.
• Better cross-functional coordination across retail, ads, and partnerships, resulting in faster resolution of customer data issues and contract disputes.
• Meaningful improvements to the collections organization through automation, redesigned workflows, and smarter use of CRM and ERP systems, leaving the team with lasting operational gains.

Responsibilities

• Lead and develop the credit and collections team, including both direct employees and outsourced resources, in a remote environment.
• Set targets, provide regular coaching, and manage performance reviews to build a culture of continuous development.
• Oversee credit reviews for new B2B retail customers and ensure credit terms and limits are established with consistent discipline.
• Apply advanced credit risk analysis, including review of financial statements and bankruptcy-related considerations, to reduce exposure to delinquency and write-offs.
• Manage high-risk and delinquent accounts, including direct communication with customers and internal partners to drive resolution.
• Own SOX key controls, audit readiness, and financial controllership expectations for the function.
• Support monthly AR reporting, reconciliations, and flux analysis with accuracy and timeliness.
• Build and maintain effective partnerships across retail, ads, and other business teams to resolve disputes and data issues faster.
• Drive process improvement, automation, and change management initiatives to strengthen the collections function.
• Handle AR operational decisions such as credit limits, write-offs, refunds, and payment plans.

Requirements

• 5 to 8 years of experience in accounts receivable, credit, collections, or a closely related finance operations role.
• At least 2 to 3 years of people leadership experience.
• Proven ability to lead teams through goal setting, performance management, and employee development.
• Strong relationship-building and stakeholder management skills across multiple business functions.
• Working knowledge of SOX controls, audit requirements, and financial controllership practices.
• Strong analytical capability, including financial statement review and credit risk evaluation.
• Experience approving or managing AR-related actions such as credit limits, write-offs, refunds, and payment arrangements.
• Bachelor’s degree in Finance, Accounting, Business, or a similar field.
• Preferred: experience leading both FTE and BPO teams in a remote environment.
• Preferred: experience improving AR processes such as cash application, billing, collections, and credit.
• Preferred: familiarity with Salesforce and Oracle or similar CRM/ERP platforms.
• Preferred: background in tech, advertising, or B2B platform environments.
• Preferred: exposure to AI and automation tools applied to AR operations.

Compensation and benefits

This is a remote role with a base salary that depends on the candidate’s permanent work location. Instacart states that compensation is market-competitive and that offers may vary based on experience and role requirements. The position is also eligible for a new hire equity grant and annual refresh grants.

Base pay ranges for US candidates are listed below:

• CA, NY, CT, NJ: $145,000 to $153,000 USD
• WA: $139,000 to $146,500 USD
• OR, DE, ME, MA, MD, NH, RI, VT, DC, PA, VA, CO, TX, IL, HI: $133,000 to $140,500 USD
• All other states: $121,000 to $127,500 USD

Additional information

This role is part of a team that supports Instacart’s B2B growth by improving credit discipline, collections execution, reporting quality, and process reliability. The organization values leadership that combines operational rigor with collaboration, technology adoption, and continuous improvement.