Credit and Collections - Client & Business Support

TI2 Tupargon India Private Limited; Bengaluru; On-site; INR 1,200,000 - 2,100,000; Full time

Job summary

Teciem invites a Credit & Collections Analyst to optimize cash flow and minimize credit risk across a global customer portfolio. You’ll partner with Sales, Customer Success, Finance, Legal, and Operations to drive timely collections, resolve disputes, assess creditworthiness, and support business growth while protecting receivables.

You will lead collections strategy, monitor aged receivables, and contribute to reducing DSO and bad debt.

Qualifications

• Bachelor’s degree in finance, accounting, or related field.
• 6+ years in credit control, AR, collections, or O2C.
• Fluent in English; another language is a plus.
• Strong AR, credit management, and cash application knowledge.
• Experience handling international collections across regions.
• Good grasp of revenue recognition principles and SOX controls.
• Advanced Excel skills including pivot tables and lookup.

Responsibilities

• Manage a portfolio of accounts with timely collections.
• Assess credit risk and set appropriate limits & terms.
• Collaborate with Sales, Finance, Legal, and Tax teams.
• Resolve disputes and drive reduction of DSO and bad debt.
• Prepare receivables reports and assist month-end closing.
• Identify automation and process improvements in AR.

Skills

Credit risk

Collections

Accounts receivable

Cash flow

Excel

Analytical skills

Stakeholder comms

Education

Bachelor's degree in Finance/Accounting

Tools

SAP

Oracle ERP

NetSuite

CRM systems

Job description

The Work We Do Teciem designs, builds, and delivers treasury and capital markets software solutions for financial institutions worldwide. We serve banks of every size and geography, offering the right setup for the right need. Our solutions are designed to replace multiple disconnected systems with one complete, front-to-back platform, helping customers to capture trading and business opportunities quickly, clearly and with control. We cover the entire trading lifecycle, ensuring that everything - from execution to position keeping, to risk management - runs smoothly. With decades of experience and one of the largest, most diverse client bases in the industry, we turn deep industry knowledge into software that covers most asset classes, meets complex real-world treasury and capital markets needs, and adapts as markets evolve.

What will you contribute?

As a Credit & Collections Analyst, you will play a critical role in optimizing cash flow, minimizing credit risk, and ensuring timely collection of accounts receivable across a portfolio of global customers. Working in a fast-paced and collaborative environment, you will partner closely with Sales, Customer Success, Finance, Legal, and Operations teams to drive collection effectiveness, resolve disputes, assess customer creditworthiness, and support business growth while maintaining strong customer relationships. You will be responsible for maximizing cash collections, reducing overdue balances, minimizing bad debt exposure, improving DSO (Days Sales Outstanding), and supporting the organization's working capital objectives.

Responsibilities & Deliverables

• Collections & Accounts Receivable Management
  • Manage an assigned portfolio of customer accounts and ensure timely collection of outstanding invoices, credit notes, and deductions.
  • Execute collection activities using established collection strategies, policies, and procedures.
  • Monitor aged receivables and proactively drive resolution of overdue balances.
  • Conduct customer outreach through phone calls, emails, and meetings to secure payments and resolve collection issues.
  • Maintain accurate collection notes, customer commitments, and follow-up actions within designated systems.
  • Escalate delinquent accounts in accordance with company policies while balancing customer relationships.
• Credit Risk Management
  • Perform customer credit reviews and evaluate creditworthiness using financial statements, credit reports, payment history, trade references, and other relevant information.
  • Recommend credit limits and payment terms based on risk assessments.
  • Monitor customer financial health and identify potential risks to collections and revenue.
  • Support periodic credit reviews and credit hold management processes.
  • Partner with Sales and Finance teams to mitigate credit exposure and reduce bad debt risk.
• Dispute Resolution & Customer Partnership
  • Identify, track, and manage invoice disputes and deductions through appropriate case management tools.
  • Collaborate cross-functionally with Billing, Sales, Customer Success, Contract Management, Legal, and Tax teams to resolve root causes of non-payment.
  • Ensure disputes are resolved within agreed service levels to avoid aging and revenue delays.
  • Build strong customer relationships while maintaining a firm but professional approach to collections.
• Cash Flow & Financial Analysis
  • Support cash forecasting activities through collection projections and payment trend analysis.
  • Prepare cash collection forecasts, variance analysis, and aging reports for management review.
  • Participate in weekly cash calls and provide insights on collection performance and risk areas.
  • Analyze customer payment behavior and recommend process improvements to improve collection outcomes.
• Operational Excellence
  • Ensure compliance with company credit policies, SOX controls, accounting standards, and Standard Operating Procedures (SOPs).
  • Maintain data accuracy across Accounts Receivable, ERP, CRM, and Collections Management systems.
  • Support month-end and quarter-end closing activities related to receivables.
  • Identify opportunities for automation, process improvements, and operational efficiencies.
  • Share best practices and mentor junior team members where applicable.
• Performance & Reporting
  • Drive achievement of key performance indicators including:
  • Days Sales Outstanding (DSO)
  • Past Due Receivables
  • Cash Collections
  • Collection Effectiveness Index (CEI)
  • Dispute Resolution Timelines
  • Bad Debt and Write-off Targets
  • Prepare and present receivable performance reports to management and business stakeholders.
  • Support audit requests and compliance reviews as required.

Required Experience & Qualifications

• Bachelor's degree in Finance, Accounting, Commerce, Business Administration, or related discipline.
• 6+ years of experience in Credit Control, Accounts Receivable, Collections, or Order-to-Cash functions.
• Fluent in English and other foreign language is an added advantage.
• Strong understanding of Accounts Receivable, collections processes, credit management, and cash application.
• Experience managing collections for international customers across multiple regions.
• Understanding of credit analysis, financial statement review, and risk assessment methodologies.
• Basic accounting knowledge and understanding of revenue recognition principles.
• Strong analytical and problem-solving skills with attention to detail.
• Advanced Microsoft Excel skills (Pivot Tables, VLOOKUP/XLOOKUP, reporting, data analysis).
• Experience with ERP systems such as SAP, Oracle, NetSuite or similar financial platforms.
• Experience using collections management tools and CRM systems is preferred.
• Ability to communicate effectively with senior stakeholders and external customers.
• Strong negotiation, influencing, and conflict-resolution skills.
• Ability to prioritize workload and manage multiple deadlines in a dynamic environment.
• Demonstrated customer service mindset and professional integrity.
• Team player with a proactive and continuous improvement mindset.

Preferred Qualifications

• Experience in a multinational, technology, software, SaaS, or financial services organization.
• Working knowledge of withholding tax regulations and international payment practices.
• Knowledge of credit insurance, trade finance, and global credit management practices.
• Professional certifications such as CICM, CICP, CPA, ACCA, CMA, or equivalent are advantageous.
• Experience supporting transformation, automation, or process improvement initiatives.
• Familiarity with Power BI, Tableau, or reporting tools is a plus.

Key Competencies

• Credit Risk Assessment
• Collections & Cash Flow Management
• Customer Relationship Management
• Dispute Resolution
• Financial Analysis
• Negotiation & Influencing Skills
• Business Partnering

Diverse Minds, Shared Ambition

At Teciem, we believe that our strength comes from the diversity of our people. Different perspectives, backgrounds, and experiences fuel our innovation and help us build solutions that truly make a difference in the world of financial technology. We're committed to creating a workplace where everyone feels respected, heard, and empowered to grow. Here, you can bring your whole self to work, contribute your unique ideas, and be part of a team driven by shared ambition. We welcome talent from all walks of life and encourage applications from individuals of all genders, races, ages, abilities, identities, and beliefs. Together, we're shaping a culture where diversity isn’t just celebrated - it's essential to our success.

At Teciem, we design, build, and deliver front-to-back treasury and capital markets software solutions for financial institutions around the world. From regional banks to the world's largest global institutions, we provide flexible, scalable technology that meets the unique needs of each client - no matter their size or geography. Our award-winning platforms - Kondor, Summit, Opics, Sophis, Fusion Invest, and Fusion Risk - help clients simplify the trading lifecycle, manage risk with confidence, and operate seamlessly across asset classes and global markets. With decades of domain expertise and one of the largest, most diverse client communities in the industry, we transform complex real-world treasury and capital markets needs into powerful, future-ready software. Today, more than 340 financial institutions, including the majority of the world's top 100 banks, trust our solutions to strengthen their operations and support resilient economies.

Purpose – Why we exist

We empower financial institutions to build resilient and future-ready economies, worldwide.

Vision – What the future holds

To lead innovation in treasury and capital markets technology, building on the solid foundations of our mission-critical and industry-defining solutions.

Mission – How we get there

We place our clients' success and ambitions at our core, continuously evolving and innovating our solutions to deliver outstanding business value and real economic impact.

You help us simplify Treasury and capital markets can be intricate, but you play a key role in making them easier to navigate. Your ideas and expertise help us transform complicated processes into intuitive, streamlined solutions used by financial institutions worldwide. Every improvement you make creates clarity, efficiency, and real-world impact for our clients.

You shape the future with AI, every day AI isn't a buzzword here - it's embedded in how we build, innovate, and deliver. Whether you're working on smarter automation, data-driven insights, or enhanced user experiences, your contribution fuels the next generation of intelligent financial technology. You'll be part of a team that uses AI to make our products faster, sharper, and more meaningful for the industry.

You'll work alongside talented colleagues across engineering, product, design, and client-facing teams - sharing knowledge, solving problems, and learning constantly. Collaboration isn't just how we work; it's how we grow, innovate, and support each other.