Accounts Receivables Associate - Level III

Cummins Inc

Saddar

On-site

PKR 1,800,000 - 3,000,000

Full time

14 days+

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Job summary

Cummins Inc. is seeking an experienced Junior Collection Manager to oversee accounts receivable, ensure timely collection of invoices, and perform reconciliations. The role requires strong analytical skills, stakeholder communication, and attention to detail to support healthy cash flow and reduce aged receivables.

The position involves working from the office with on-site requirements and collaboration across finance and billing teams to improve collection performance and reporting accuracy.

Qualifications

Bachelor’s or Master’s degree in finance or equivalent
Significant work experience in global collections with U.S. portfolios
Experience managing large, high-volume AR portfolios with measurable impact on DSO
Strong communication, negotiation and problem-solving capabilities
Ability to influence outcomes while maintaining tact and respect
Willingness to work U.S. shifts and work from office

Responsibilities

Manage an assigned portfolio of customer accounts and ensure timely collections
Handle outbound and inbound calls for payment reminders
Perform reconciliations and investigate unapplied cash or discrepancies
Prepare daily/weekly/monthly MIS reports.
Analyze aging and provide actionable insights to leadership
Maintain dispute logs and coordinate with stakeholders for resolution
Drive process improvements to enhance collections efficiency
Maintain detailed collection notes and account histories

Skills

Global collections

US portfolios

AR portfolio management

Negotiation & dispute resolution

Time management

Stakeholder communication

Analytical thinking

Education

Bachelor's or Master's in finance

Tools

SAP

Oracle

HighRadius

Job description

Job Summary:

Works with more complex internal and external customers to procure payment of Accounts Receivable balances due. Performs activities under minimal supervision.

Key Responsibilities:

Works with more complex customers to process payments.

Prepares statements of accounts for customers.

Answers basic and complex customer inquiries.

Prepares analysis of accounts.

Conducts root cause analysis of late payments and suggests process improvements.

Prepares month end reporting.

Participates in and/or leads projects related to Accounts Receivable improvement.

Performs other duties as assigned.

Competencies:

Action oriented - Taking on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm.

Collaborates - Building partnerships and working collaboratively with others to meet shared objectives.

Communicates effectively - Developing and delivering multi-mode communications that convey a clear understanding of the unique needs of different audiences.

Customer focus - Building strong customer relationships and delivering customer-centric solutions.

Drives results - Consistently achieving results, even under tough circumstances.

Manages complexity - Making sense of complex, high quantity, and sometimes contradictory information to effectively solve problems.

Nimble learning - Actively learning through experimentation when tackling new problems, using both successes and failures as learning fodder.

Values differences - Recognizing the value that different perspectives and cultures bring to an organization.

Business Partnering - Collaborates with stakeholders and develops partnerships to drive performance that aligns to organizational goals and strategies; influences the organization by demonstrating knowledge of the business to provide guidance to support the decision making process and guiding the business towards positive results and organizational alignment; evaluates business environment using measures to mitigate risk and capitalize on opportunities.

Financial Internal Controls - Leverages internal control framework by assessing internal controls and developing remediation plans to mitigate financial reporting risks and respond to changing business needs.

Education, Licenses, Certifications:

High school diploma or certificate of completion of secondary education or equivalent experience to the extent such experience meets applicable regulations.

Experience:

Requires significant relevant work experience or specialized skills obtained through education, training or on-the-job experience.

Job Summary - JM2

Junior Collection Manager is responsible for managing accounts receivable, ensuring timely collection of outstanding invoices from business clients, performing account reconciliations, and resolving disputes. The role requires strong analytical skills, stakeholder communication, and attention to detail to maintain healthy cash flow and minimize aged receivables

Key Responsibilities

1. Collections

Manage an assigned portfolio of customer accounts, ensuring timely collection of outstanding balances and reducing delinquency
Handle outbound and inbound calls to customers for payment reminders
Conduct proactive outreach to customers via phone and email to resolve past-due invoices and secure payment commitments
Maintain detailed and accurate collection notes and account histories within the system to support transparency and continuity
Serve as a subject matter expert in collections processes
Collaborate with field representatives and internal stakeholders to resolve complex customer issues and support strategic initiatives
Contribute to the development and continuous improvement of collections policies, procedures, and tools to enhance efficiency and scalability
Build strong relationships with customers to improve payment cycles

2. Account Reconciliation (Recon)

Perform periodic reconciliation of customer accounts
Identify discrepancies between internal records and customer statements
Investigate unapplied cash, short payments, or overpayments
Work with internal teams (billing, sales, finance) to resolve mismatches
Maintain accurate and updated account statements

3. Dispute Management

Identify, log, and track customer disputes related to invoices
Coordinate with internal stakeholders (billing, operations, sales) for resolution
Ensure timely closure of disputes to avoid payment delays
Maintain dispute logs and provide root cause analysis
Work on preventing recurring issues through process improvements

4. Reporting & Analysis

Prepare daily/weekly/monthly MIS reports on collections, aging, disputes
Analyze aging reports to identify trends, highlight at-risk accounts, and provide actionable insights to leadership
Provide insights and recommendations to improve collection efficiency
Perform monthly and quarterly responsibilities such as Allowance Analysis and journal entry, collection escalation for doubtful accounts and monthly reporting package for collections metrics.
Track KPIs such as DSO (Days Sales Outstanding), collection rate, dispute resolution TAT

5. Compliance & Process Adherence

Ensure adherence to company credit policies and collection procedures
Maintain proper documentation for audits and compliance requirements
Support internal and external audit queries related to receivables

Required Skills & Qualifications:

Bachelors or Master's degree in finance or equivalent
7-8 years of experience in Global Collections, including U.S. customer portfolios
Experience managing large, high-volume AR portfolios with measurable impact on DSO
Strong communication, negotiation, and problem-solving capabilities
Ability to negotiate and influence outcomes while remaining tactful and respectful.
Excellent time management with the ability to independently prioritize and manage portfolios
Proficiency in ERP Systems & Collection Tools - SAP, Oracle, High Radius
Demonstrated ownership of high-value, complex AR portfolios with material cash impact
Strong analytical judgment and attention to detail
Willingness and ability to work U.S. Shifts
Mandatory Work from Office