Senior Coordinator, Credit & Collections

CarMax, the way your career should be! 

Position Overview

As a Senior Coordinator, Accounts Receivable – Compliance (Contract Resolution), you will support CarMax’s Accounting organization by managing complex receivables, analyzing outstanding amounts, and executing appropriate collection strategies in alignment with federal, state, and local collection laws. With minimal guidance, you will determine the most effective course of action for collecting funds related to financed contracts, returned checks, unrecorded liens, and other recovery items, using discretion and independent judgment to protect CarMax from financial and compliance risk. This role requires precise communication of sensitive information, strong collaboration with partners, and a leadership mindset that supports team development and coaching.

Why CarMax?

At CarMax, we are the nation’s largest retailer of used cars with stores from coast to coast, and we are still growing. We’re rethinking the way people buy cars – and it’s our associates that help us do just that. We believe work should feel meaningful and rewarding, with opportunities to make an impact every day. This is where innovation meets passion – be inspired and supported to take us to the future.

Team Overview

This role supports Accounting by managing advanced collections activities, analyzing outstanding receivables, determining compliant collection strategies, communicating complex information, and contributing to team success by coaching associates and partnering on cross functional initiatives.

Role Responsibilities

• Perform collection activities including customer outreach via phone and written communication, documenting all actions accurately.


• Communicate sensitive and complex collection strategies to vendors and internal partners including Field Leadership, Accounting, Legal, Finance Support, Asset Protection, Customer Relations, and CarMax Auto Finance.


• Analyze and document new collection accounts to identify root causes and determine appropriate next steps.


• Recommend and implement process improvements based on root cause analysis across Business Operations, Sales Operations, Financial Services, and Asset Protection.


• Execute compliant collection strategies aligned with federal, state, local regulations, and CarMax policies.


• Conduct skip tracing research to locate customers or assets and develop effective collection approaches.


• Perform general ledger tasks including account reconciliations and journal entries, review collection letters, provide feedback, coach team members, and support cross functional initiatives.

Required Qualifications

• Ability to engage with customers, understand needs, and deliver on commitments with a customer focused approach.


• Self-starter with strong results orientation, analytical skills, and attention to detail.


• Effective communicator capable of conveying complex information clearly across multiple channels.


• Ability to provide thoughtful solutions when resolving escalated issues in a professional and timely manner.


• Strong relationship building skills with internal and external business partners.


• Logical thinker who applies experience and resources to determine appropriate actions and knows when to involve leadership.


• Ability and willingness to adapt to change while maintaining accuracy and professionalism.


• High school diploma or equivalent required; 3+ years of business-related experience required, including 2+ years account reconciliation experience and managing accounts receivable or accounts payable highly preferred


• Intermediate level of Microsoft Excel required (e.g., Filtering, VLOOKUP, Subtotals, Shortcuts, Pivot tables) and proficient in Microsoft Word, PowerPoint, Teams, Outlook.

Preferred Qualifications

• Bachelor’s degree in business.


• 2+ years of collections or customer service experience involving direct customer interaction.


• Knowledge of FDCPA, TCPA, and/or SCRA.


• Strong accounting skills with knowledge of GAAP.


• Experience with cloud ERP platforms such as Oracle.

About CarMax

At CarMax, we revolutionized the used car buying experience over 30 years ago by introducing transparency and integrity into the process. Our commitment to customer experience, innovation, and community has made us the nation’s largest used car retailer. With over 250 store locations and over 30,000 associates, we are proud to have been recognized as one of the Fortune 100 Best Companies to Work For® and are committed to helping our communities thrive.
As an associate, you are part of an innovative movement to empower the modern customer and drive progress. Your work fuels change—sparking ideas, overcoming challenges, and shaping what’s next. Join us in creating a better future– for our company, our customers, and the communities we call home.
CarMax is an equal opportunity employer, and all qualified candidates will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, genetic information, national origin, protected veteran status, disability status, or any other characteristic protected by law.

The annual salary for this position is:

May be eligible for bonus and equity.

Benefits:

Except as otherwise required by state law, CarMax Associates are entitled to the following paid sick, vacation, and holiday time.

Associates that are considered full-time hourly or commission/incentive eligible:

• To earn up to 48 hours of sick time per year accrued on a per pay period basis and between 80 hours and 200 hours per year of vacation time after a 90 day waiting period depending on years of continuous service with the Company. 
• For 8 hours of pay for each of a total of 6 paid scheduled holidays per year plus 1 floating holiday.  If such an Associate does work on a scheduled holiday due to business need, they are eligible for Holiday Premium Pay. 

Associates considered full-time salaried are entitled to paid time away with no specified limit as needed for sick, vacation, bereavement, jury duty, holidays, floating holiday, etc. subject to manager approval. 

For more details about benefits, please visit our CarMax Benefits website.

Upon an applicant's request, CarMax will consider reasonable accommodation to complete the CarMax Job Application.