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Credit & Collections Analyst

Harbinger

Garden Grove, CA, USA

USD 60k-80k / year + Equity

Posted on Mar 27, 2026

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About Harbinger

Harbinger is an American commercial electric vehicle (EV) company on a mission to transform an industry starving for innovation. Harbinger’s best-in-class team of EV, battery, and drivetrain experts have pooled their deep experience to bring a first-of-its-kind EV platform to support the growing demand for medium-duty EVs and Hybrids. Harbinger: Familiar Form, Revolutionary Foundation.

What You’ll Do

Credit Management

Evaluate customer creditworthiness by analyzing financial statements, credit reports, payment history, and industry risk factors
Establish and maintain customer credit limits and terms aligned with company risk tolerance
Partner with Sales and Commercial teams to structure deals that balance growth and risk

Collections & AR Optimization

Own the end-to-end collections process, including outreach, escalation, and resolution of past-due accounts
Monitor aging reports and proactively drive reduction in DSO (Days Sales Outstanding)
Resolve billing disputes in collaboration with Sales, Legal, and Operations
Maintain accurate records of collection activity and customer communications

Process Building & Systems

Design and implement scalable credit and collections policies, procedures, and controls
Identify opportunities to automate workflows and improve AR efficiency
Support ERP/financial system enhancements related to billing, collections, and reporting

Reporting & Analytics

Track and report key metrics (DSO, aging, bad debt, collection effectiveness)
Provide insights to Finance leadership on customer risk and cash flow trends
Assist with bad debt reserves and audit support

Cross-Functional Collaboration

Work closely with Sales, Legal, and Finance to ensure alignment on customer terms and risk
Support contract review from a credit and payment terms perspective
Act as a key business partner in scaling Harbinger’s commercial operations

What We’re Looking For

2–5+ years of experience in credit, collections, accounts receivable, or related finance role
Experience in a manufacturing, automotive, hardware, or high-growth startup environment preferred
Strong understanding of credit risk assessment and collections strategies
Ability to analyze financial statements and customer credit profiles
Excellent communication skills, with the ability to handle sensitive customer conversations
Highly organized with strong attention to detail and follow-through
Systems-savvy (experience with ERP systems such as NetSuite, SAP, or similar is a plus)
Ownership mindset with a willingness to build processes from scratch

Key Benefits & Perks:

Comprehensive Health, Dental & Vision (HDV) – 100% employee covered
Early-stage Stock Options
Robust Retirement Savings (401k, HSA, FSA)
Generous Paid Time Off (PTO) & Parental Leave
Annual Vacation Bonus
Wellness & Fertility Benefits
Cell Phone Stipend
Complimentary Meals & Stocked Kitchens

California Pay Range

$60,000—$80,000 USD

Equal Opportunity

Harbinger is an equal opportunity employer and complies with all applicable federal, state, and local fair employment practices laws. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, sex, sexual orientation, gender, gender expression, gender identity, genetic information or characteristics, physical or mental disability, marital/domestic partner status, age, military/veteran status, medical condition, or any other characteristic protected by law.

Harbinger is committed to ensuring that our hiring process is accessible for persons with disabilities. If you have a disability or limitation, such as those covered by the Americans with Disabilities Act, that requires accommodations to assist you in the search and application process, please email us at info@harbingermotors.com.

Candidate Data Privacy

Harbinger may collect, use and disclose your personal information or personal data (within the meaning of the applicable data protection laws) when you apply for employment and/or participate in our recruitment processes (“Candidate Personal Data”). This data includes contact, demographic, communications, educational, professional, employment, social media/website, network/device, recruiting system usage/interaction, security and preference information. Harbinger may use your Candidate Personal Data for the purposes of (i) tracking interactions with our recruiting system; (ii) carrying out, analyzing and improving our application and recruitment process, including assessing you and your application and conducting employment, background and reference checks; (iii) establishing an employment relationship or entering into an employment contract with you; (iv) complying with our legal, regulatory and corporate governance obligations; (v) recordkeeping; (vi) ensuring network and information security and preventing fraud; and (vii) as otherwise required or permitted by applicable law.

Harbinger may share your Candidate Personal Data with (i) internal personnel who have a need to know such information in order to perform their duties, including individuals on our HR, legal, and finance teams, and the team(s) with the position(s) for which you are applying; (ii) Harbinger affiliates; and (iii) Harbinger’s service providers, including providers of background checks, staffing services, and cloud services.

Harbinger may transfer or store internationally your Candidate Personal Data, including to or in the United States, Canada, the United Kingdom, and the European Union and in the cloud, and this data may be subject to the laws and accessible to the courts, law enforcement and national security authorities of such jurisdictions.

Please note that we are currently not accepting applications from third party application services. Any unsolicited resumes or candidate profiles submitted in response to our job posting shall be considered the property of Harbinger and are not subject to payment of referral or placement fees if any such candidate is later hired by Harbinger unless you have a signed written agreement in place with us which covers the applicable job posting.