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*Please note: This is mainly a remote/work at home position but the candidate selected must be within driving distance to Lake Mary, Florida as on-site training & meetings will be required, as needed, in the Lake Mary, Florida office.

Position Summary

This role is aligned to CuraScript SD by Evernorth. Evernorth is the health services division of The Cigna Group, which provides a wide range of health and pharmacy services, including pharmacy benefit management, specialty pharmacy, and care solutions.

We are seeking a highly analytical and experienced **Credit Manager** to lead our credit evaluation and risk management processes. This role is pivotal in maintaining financial discipline, minimizing bad debt exposure, and supporting customer onboarding and retention through sound credit practices.

Key Responsibilities

+ Oversee credit risk assessments for new and existing accounts, including high-value lines.

+ Manage credit application workflows and ensure compliance with internal policy guidelines.

+ Collaborate with legal and finance teams to evaluate financial documentation and entity structures for creditworthiness.

+ Maintain and enforce credit limits in accordance with CuraScript SD’s approval matrix.

+ Lead a team of 10-15 credit analysts and supervisors, providing mentorship and ensuring consistency in evaluations.

+ Monitor portfolio risk and proactively flag exposure concerns across customer segments.

+ Coordinate with collections and customer service teams to resolve credit holds and payment issues.

+ Support audits and maintain documentation for internal and external review.

+ Contribute to strategic initiatives including system upgrades, training programs, and process improvements.

+ Present credit related research and recommendations to leadership.

Qualifications

+ Must be within driving distance to Lake Mary, Florida office location

+ Bachelor’s degree in Finance, Business Administration, or related field or equivalent relevant experience

+ 5+ years' experience in credit management, preferably in healthcare or pharmaceutical distribution

+ 3+ years' demonstrated leadership of a high performing team preferred, with a focus on results and timely execution

+ Strong understanding of credit scoring models, financial statement analysis, and regulatory compliance

+ Experience with SAP and other financial systems preferred

+ High degree of proficiency with Microsoft Office software, most importantly Excel

+ Excellent communication, negotiation, and leadership skills

+ Ability to work cross-functionally with legal, sales, and operations teams

+ Ability to support, lead, manage, develop, and train team members

If you will be working at home occasionally or permanently, the internet connection must be obtained through a cable broadband or fiber optic internet service provider with speeds of at least 10Mbps download/5Mbps upload.

About Evernorth Health Services

Evernorth Health Services, a division of The Cigna Group, creates pharmacy, care and benefit solutions to improve health and increase vitality. We relentlessly innovate to make the prediction, prevention and treatment of illness and disease more accessible to millions of people. Join us in driving growth and improving lives.

_Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws._

_If you require reasonable accommodation in completing the online application process, please email:_ [email protected]_ _for support. Do not email_ [email protected]_ _for an update on your application or to provide your resume as you will not receive a response._

_The Cigna Group has a tobacco-free policy and reserves the right not to hire tobacco/nicotine users in states where that is legally permissible. Candidates in such states who use tobacco/nicotine will not be considered for employment unless they enter a qualifying smoking cessation program prior to the start of their employment. These states include: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas, Maryland, Massachusetts, Michigan, Nebraska, Ohio, Pennsylvania, Texas, Utah, Vermont, and Washington State._

_Qualified applicants with criminal histories will be considered for employment in a manner_ _consistent with all federal, state and local ordinances._