Operations Lead - O2C

Lowe's India; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Benefits offered by this job

On-site gym

On-site clinic

Modern work environment

Job summary

Lowe's India Bengaluru-based role leading the Collections team (Account services and collections). Focus on driving process improvements, ensuring robust controls, and implementing governance aligned with SOX/compliance. Office at on-site Bengaluru.

Seeking 8–10 years in O2C with collections, strong leadership, and finance expertise. Exposure to ERP systems and credit risk management is essential.

Qualifications

• Bachelors or higher in Finance preferred.
• Experience with O2C, collections, and accounts services.
• Strong leadership and team management abilities.

Responsibilities

• Lead Collections team (Account services and collections) and drive process improvements.
• Develop and implement financial policies, risk controls, and governance processes.
• Communicate credit policies and ensure compliance with regulatory standards.

Skills

O2C processes

Leadership

ERP exposure

Metrics & reporting

AR analytics

Communication skills

Education

Bachelor's / Postgraduate in Finance

Tools

Cforia

Bill Trust

HighRadius

Lien Track

Level Set

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

Low‑e’s is a FORTUNE® 100 home improvement company serving approximately 16 million customer transactions a week in the United States. With total fiscal year 2025 sales of more than $84 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, 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

Lowe’s Pro Supply is one of the business division of Lowe’s Companies Inc primarily focused on serving the multi‑family property management industry with maintenance, repair, and operating supplies. The business is experiencing rapid expansion.

Job Summary

The individual will be responsible to lead Collections team (Account services and collections function) and help in driving process improvements across the function. The role will focus on ensuring that the Lowe’s account services, credit and collection services function operates within a robust controls environment. To this end, develop and drive necessary financial policies, risk control matrices, standard operating procedures, and internal controls; implement appropriate governance processes that assure compliance with regulatory (such as SOX) as well as management mandates.

Roles & Responsibilities

Core Responsibilities

• Handle a specific portfolio of Multi‑family, Student Housing, Government, Commercial, Hospitality, and/or Trade accounts
• Provide direction, instructions, and guidance to a group of Credit Representatives (@5 - 7 reps with @1000+ accounts ea.)
• Communicate credit department and company payment policies
• Responsible for achieving the financial goals and objectives outlined by the Company
• Develop strategies the team will use to reach goals: Percent past due objectives
• Secure Lien rights for eligible accounts within your portfolio
• Submit accounts for collections and bad debt write‑off
• Assess credit risk and establish/increase credit limits within DLA (CLIR – Credit Limit Increase Review), and/or approval for Pro Card
• Participate in process improvement projects, and support other management directives as prescribed
• Maintain accurate credit and collection files as well as electronic collection notes in Cforia
• Produce weekly and monthly reports as requested by management
• Assist with account reconciliations as needed
• Assist with order management
• Maintain strong communication with Sales, Customer Service and Sales Management
• Present Credit policies, processes, and procedures to sales as requested
• Train, coach, develop credit reps and Specialists
• Perform annual reviews for assigned employees and recommend salary increases
• Handle data entry and general clerical tasks as needed
• Must be willing to work the night shift from 6:30 PM to 3:30 AM and 7:30PM to 4:30 AM during daylight savings

Years Of Experience

8 -10 years of experience

With 5 to 7 years in O2C process with Collections experience must

Must 2 to 4 Years Team leading experience

Education Qualification & Certifications (optional)

Required Minimum Qualifications

Bachelors / Post Graduate Degree in Finance preferable.

Skill Set Required

Primary Skills (must have)

• Strong understanding of O2C processes and strategies which include collection and account services
• Strong leadership and team management skills
• ERP Exposure
• Metrics and Reporting
• Problem‑solving and analytical skills to address AR‑related challenges
• Good communication skills

Secondary Skills (desired)

• Driving process improvements and implementing AR best practices
• Cforia, Bill Trust, High Radius, Lien Track or Level set -Understanding of this order to cash tools will be a plus.

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, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law.

Starting rate of pay may vary based on factors including, but not limited to, position offered, location, education, training, and/or experience. For information regarding our benefit programs and eligibility, please visit https://talent.lowes.com/us/en/benefits.