About Lowes

Lowes 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, Lowes operates over 1,700 home improvement stores and employs approximately 300,000 associates. Based in Mooresville, N.C., Lowes 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.

Lowes India, the Global Capability Center of Lowes 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, Lowes 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 productive 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.

I. Job Summary:

Executing direction from leadership, delivering results that align with strategic objectives, communicating critical information to other teams,



managing vendor relationships, developing processes that align to organizational goals, specific technical skills required for managing a process.

Collection rep is who can help us achieve our company financial goals. The Collections rep will be responsible for reviewing each account to determine the best way to approach the client, and then executing their plan to bring in the maximum amount of revenue. The ideal candidate for this position is able to work as part of a dynamic team, and able to work in an environment where work assignments change frequently.

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
- Perform credit limit reviews within their designated level of authority
- 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
- Assist with special projects as requested

III. Years of Experience:

1-3 Years in O2C with Collections experience must

IV. Education Qualification & Certifications

Required Minimum Qualifications:

Bachelors Degree / Post Graduate Degree

Primary Skills (must have)

- Understanding of O2C processes
- Experience with collection and AR management
- Must be able to work in night shift
- Standard: 6:30 PM – 3:30 AM
- Daylight Saving: 7:30 PM – 4:30 AM
- Cab service will be provided

Secondary Skills (desired)

- Excellent understanding of the order to cash process(Account set up, Credit, collection and cash application process.
- Software programs: Cforia, BillTrust, High Radius, Lien Track or Levelset -Understanding of these order to cash tools will be a plus

📌 Process Associate (Karnataka)
🏢 Lowe's
📍 Karnataka