Manager II, Credit & Collections

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We're transforming the grocery industry At Instacart, we invite the world to share love through food because we believe everyone should have access to the food they love and more time to enjoy it together. Where others see a simple need for grocery delivery, we see exciting complexity and endless opportunity to serve the varied needs of our community. We work to deliver an essential service that customers rely on to get their groceries and household goods, while also offering safe and flexible earnings opportunities to Instacart Personal Shoppers. Instacart has become a lifeline for millions of people, and we're building the team to help push our shopping cart forward. If you're ready to do the best work of your life, come join our table. Instacart is a Flex First team There's no one-size fits all approach to how we do our best work. Our employees have the flexibility to choose where they do their best work-whether it's from home, an office, or your favorite coffee shop-while staying connected and building community through regular in-person events. Learn more about our flexible approach to where we work. Why this role is on the menu This role reports to the Director of Accounts Receivable within the CAO organization, whose primary focus is scaling and optimizing Instacart's order-to-cash operations. Our team drives excellence across credit, collections, and AR reporting in support of Instacart's growing B2B business-and we need a seasoned leader to match that pace. We're hiring a Manager II, Credit & Collections to own all credit and collections activity for our B2B Retailer & Ads Portfolio. You will directly manage a team of collectors and credit analysts-spanning both FTE and BPO resources in a remote environment-and will be responsible for driving collections performance, credit risk management, SOX compliance, and continuous process improvement. The ideal candidate is a seasoned people leader who has transformed AR operations through process discipline, technology, and cross-functional partnership, and is excited to bring that expertise to a high-growth consumer technology company. What you'll cook up in your first year A high-performing, accountable collections team. Your direct reports-FTE and BPO alike-have clear, collector-level targets, regular coaching, and performance feedback that drives measurable improvement. You've delivered employee performance reviews and built a team culture where development is ongoing, not annual. A tighter, more scalable credit risk framework. New B2B retail customers are onboarded with credit reviews, credit terms and limits are established with discipline, and the team applies advanced financial statement analysis and credit process expertise-including bankruptcy knowledge-to make confident, defensible decisions that reduce exposure to delinquency and write-offs. SOX compliance that runs like clockwork. Key controls are documented, audit activities are executed on schedule, and the function operates with the financial controllership standards expected of a public company. Faster, cleaner AR close cycles. Monthly reporting, reconciliations, and flux analyses are delivered on time and with confidence-and leadership has the visibility they need to make informed decisions about the B2B portfolio. Cross-functional trust built across retail, ads, and partnerships. You've developed strong relationships within your area of focus and demonstrated success influencing stakeholders outside it. Customer data discrepancies and contract disputes get resolved faster because you've invested in the partnerships that make escalation the exception, not the rule. A collections function that's noticeably better than when you arrived. You've driven enterprise-level projects and executed change management within the function-whether through automation, process redesign, or smarter use of CRM and ERP tools-leaving behind improvements the team will build on for years. The secret ingredients we're looking for You're a seasoned people leader who has transformed AR operations through process discipline, technology, and cross-functional partnership. You don't just manage to the numbers; you build the systems, habits, and relationships that make performance sustainable. You're equally comfortable presenting findings to a leadership team and rolling up your sleeves to manage escalation of high-risk or delinquent accounts-including direct engagement with customers and internal stakeholders to drive resolution. Must-have pantry staples (Minimum Qualifications) 5-8 years of experience in accounts receivable, credit, collections, or related finance operations, with at least 2-3 years in a people leadership role. Demonstrated success managing and developing teams, including goal-setting, performance management, and employee development. Proven ability to manage cross-functional relationships and influence stakeholders across business units. Solid understanding of SOX key controls,

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