We are seeking a diligent and results-driven Accounts Receivable Specialist for our Surat office. The ideal candidate will manage the end-to-end receivables cycle from invoicing and reconciliation to active follow-up and recovery of overdue accounts. Candidates with a background in credit card recovery or loan recovery within a bank, NBFC, or financial services setting will be strongly preferred, as the role carries a strong collections and recovery focus alongside core accounts-receivable responsibilities.

Key Responsibilities

- Receivables management: Manage the complete accounts receivable cycle including invoice generation, posting of receipts, and ledger maintenance.

- Collections & recovery: Follow up with customers and borrowers on outstanding dues through calls, emails, and field/tele-collection channels to ensure timely recovery.

- Ageing & follow-up: Track overdue and delinquent accounts, prepare ageing reports, and prioritise high-risk / high-value accounts for recovery action.

- Reconciliation: Reconcile customer accounts, resolve payment discrepancies, disputes, and short payments in coordination with internal teams.

- Negotiation: Negotiate repayment schedules and settlement plans with defaulting customers within approved policy limits.

- Record keeping: Maintain accurate records of all recovery activity, commitments, and payments in the accounting / CRM system.

- Reporting / MIS: Prepare periodic MIS and collection reports for management, highlighting collection ratios, DSO,



and recovery status.

- Compliance: Ensure all recovery and collection activities comply with company policy and applicable regulatory / RBI guidelines.

- Coordination: Coordinate with legal, sales, and customer-service teams for escalation of non-responsive or disputed accounts.

Required Qualifications & Experience

- Bachelor's degree in Commerce, Accounting, Finance, or a related discipline (B.Com / M.Com / MBA-Finance preferred).

- 3 to 5 years of experience in accounts receivable, collections, or recovery.

- Working knowledge of accounting software (e.g., Tally, SAP, or similar ERP) and proficiency in MS Excel.

- Sound understanding of the receivables cycle, ageing analysis, and reconciliation.

Preferred Experience

- Prior experience in a credit card recovery or loan recovery department of a bank, NBFC, or financial-services company.

- Exposure to tele-calling / field collection processes and familiarity with delinquency buckets (e.g., 30/60/90+ DPD).

- Awareness of RBI recovery guidelines and fair-practice collection norms.

Key Skills & Competencies

- Strong negotiation, persuasion, and communication skills (Gujarati, Hindi, and English).

- Persistence and a target-oriented approach with the ability to handle pressure and meet recovery targets.

- Good analytical ability for ageing and account reconciliation.

- High level of integrity, professionalism, and customer sensitivity while handling recovery conversations.

📌 Accounts Receivable Specialist (Surat)
🏢 Envision Scientific
📍 Surat