Accounts Receivable Specialist

We are seeking a diligent and results-driven Accounts Receivable Specialist for our Surat office. The ideal candidate will manage the end-to-end receivables cycle from invoicing and reconciliation to active follow-up and recovery of overdue accounts. Candidates with a background in credit card recovery or loan recovery within a bank, NBFC, or financial services environment will be strongly preferred, as the role carries a strong collections and recovery focus alongside core accounts-receivable responsibilities.

Key Responsibilities

• Receivables management: Manage the complete accounts receivable cycle including invoice generation, posting of receipts, and ledger maintenance.
• Collections & recovery: Follow up with customers and borrowers on outstanding dues through calls, emails, and field/tele-collection channels to ensure timely recovery.
• Ageing & follow-up: Track overdue and delinquent accounts, prepare ageing reports, and prioritise high-risk / high-value accounts for recovery action.
• Reconciliation: Reconcile customer accounts, resolve payment discrepancies, disputes, and short payments in coordination with internal teams.
• Negotiation: Negotiate repayment schedules and settlement plans with defaulting customers within approved policy limits.
• Record keeping: Maintain accurate records of all recovery activity, commitments, and payments in the accounting / CRM system.
• Reporting / MIS: Prepare periodic MIS and collection reports for management, highlighting collection ratios, DSO, and recovery status.
• Compliance: Ensure all recovery and collection activities comply with company policy and applicable regulatory / RBI guidelines.
• Coordination: Coordinate with legal, sales, and customer-service teams for escalation of non-responsive or disputed accounts.

Required Qualifications & Experience

• Bachelor's degree in Commerce, Accounting, Finance, or a related discipline (B.Com / M.Com / MBA-Finance preferred).
• 3 to 5 years of experience in accounts receivable, collections, or recovery.
• Working knowledge of accounting software (e.g., Tally, SAP, or similar ERP) and proficiency in MS Excel.
• Sound understanding of the receivables cycle, ageing analysis, and reconciliation.

Preferred Experience

• Prior experience in a credit card recovery or loan recovery department of a bank, NBFC, or financial-services company.
• Exposure to tele-calling / field collection processes and familiarity with delinquency buckets (e.g., 30/60/90+ DPD).
• Awareness of RBI recovery guidelines and fair-practice collection norms.

Key Skills & Competencies

• Strong negotiation, persuasion, and communication skills (Gujarati, Hindi, and English).
• Persistence and a target-oriented approach with the ability to handle pressure and meet recovery targets.
• Good analytical ability for ageing and account reconciliation.
• High level of integrity, professionalism, and customer sensitivity while handling recovery conversations.