Associate - O2C

Lowe's; Bengaluru; On-site; INR 420,000 - 720,000; Full time

Job summary

Lowe's India in Bengaluru is seeking a Collections Representative to manage a portfolio of accounts and drive timely cash recovery while maintaining customer relationships.

You will handle follow-ups, disputes, and settlements within OTC/AR processes, work U.S.-aligned night shifts, and collaborate with Sales, Customer Service, and Finance to strengthen working capital.

Qualifications

• Strong understanding of Order-to-Cash (O2C) processes and the receivables lifecycle.
• Hands-on experience in Collections and AR management including customer follow-ups and past-due management.
• Bachelor's or Post Graduate degree required.

Responsibilities

• Manage a specific portfolio of accounts.
• Maintain records of contacts and attempts with delinquent accounts and of payments collected.
• Contact customers with overdue accounts.
• Initiate the dispute process on disputed invoices or misapplications.
• Negotiate payment agreements within authorized authority.
• Analyze purchases, payments, history and strategy to determine account status.
• Maintain communication with Sales, Customer Service and Leadership.
• Release orders and perform soft collections.

Skills

O2C processes

Collections & AR

Education

Bachelor's or higher

Tools

Cforia

Billtrust

High Radius

Lien Tracking via NCS

Job description

Innovate in Bengaluru

This position is based at our on-site office in Bengaluru. Lowe's offers an ultramodern work environment, complete with cutting-edge technology, collaborative workspaces, an on-site gym and clinic, and other perks to enhance your work experience.

About Lowe's

Lowe's is a FORTUNE® 100 home improvement company serving approximately 16 million customer transactions a week in the United States. With total fiscal year 2024 sales of more than $83 billion, Lowe's operates over 1,700 home improvement stores and employs approximately 300,000 associates. Based in Mooresville, N.C., Lowe's supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information, visit Lowes.com.

Lowe's India

Lowe's India, the Global Capability Center of Lowe's Companies Inc., is a hub for driving our technology, business, analytics, and shared services strategy. Based in Bengaluru with over 4,500 associates, it powers innovations across omnichannel retail, AI/ML, enterprise architecture, supply chain, and customer experience. From supporting and launching homegrown solutions to fostering innovation through its Catalyze platform, Lowe's India plays a pivotal role in transforming home improvement retail while upholding strong commitment to social impact and sustainability. For more information, visit Lowes India

About the Team

The Order-to-Cash (O2C) Credit & Collections team plays a critical role in managing the company's cash flow and minimizing credit risk. The team is responsible for evaluating customer creditworthiness, monitoring accounts receivable, resolving payment disputes, and driving timely collections while maintaining strong customer relationships. Working closely with Sales, Customer Service, Finance, and Operations, the team ensures efficient cash application, dispute resolution, and adherence to company credit policies. Our focus is on improving working capital, reducing bad debt exposure, and delivering an excellent customer experience throughout the receivables lifecycle.

Job Summary

A Collections Representative plays an important role in supporting the company's financial objectives by effectively managing assigned customer accounts and driving timely resolution of outstanding receivables. The role is responsible for reviewing and analyzing individual accounts, determining the most appropriate collection strategy, proactively engaging with customers, and executing follow-up actions to maximize cash recovery while maintaining positive customer relationships. The ideal candidate should be customer-focused, results-oriented, adaptable, and comfortable working in a dynamic team environment where priorities and account assignments may change frequently. Strong communication, problem-solving, negotiation, and ownership skills are essential for success in this role.

Roles & Responsibilities

Core Responsibilities:

• Manage a specific portfolio of accounts
• Maintain records of contacts and attempted contacts with delinquent accounts as well as records of any payments collected.
• Contact customers with overdue accounts
• Initiate the dispute process on disputed invoices, or misapplications
• Negotiate payment agreements within their designated level of authority
• Make judgment decisions regarding the status of a customer account based on thorough analysis of the customer's purchases, payments, history, ability to pay and our business strategy.
• Maintain strong communication with Outside Sales Representatives, Customer Service and Leadership
• Release orders
• Soft collections

Years of Experience

2-3 Years in O2C with Collections experience must.

Education Qualification & Certifications

Required Minimum Qualifications :

• Bachelors Degree / Post Graduate Degree

Skill Set Required Primary Skills (must have)

• Strong understanding of Order-to-Cash (O2C) processes, with a solid knowledge of the overall receivable's lifecycle
• Hands-on experience in Collections and Accounts Receivable (AR) management, including customer follow-ups, past-due management, and account resolution.

Shift Requirement

Must be comfortable working U.S.-aligned night shifts:

• 6:30 PM - 3:30 AM IST during Daylight Saving Time (DST)
• 7:30 PM - 4:30 AM IST when Daylight Saving Time is not in effect.

Secondary Skills (desired)

• Strong understanding of the end-to-end Order-to-Cash (OTC) process, including Account Setup, Credit Management, Collections, and Cash Application.
• OTC Systems & Tools: Experience with Cforia, Billtrust, High Radius, Lien Tracking via NCS would be an added advantage.
• Familiarity with these platforms and their application within the Order-to-Cash lifecycle is preferred.

Lowe's is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, me