Meghana V.R
Associate Manager - Collections
Bengaluru,KA
Summary
Results-driven B2B Collections and Accounts Receivable professional with 10+ years experience managing end-to-end collections portfolios, reducing overdue receivables, and improving cash flow. Proven ability to handle aging, escalations, disputes, GST issues, credit limit monitoring, and legal coordination while working cross-functionally with Billing, Finance, Sales, and CSM teams. Strong communicator with a track record of driving timely payments, minimizing revenue leakage, and mentoring junior team members.
Overview
12
12
years of professional experience
Work History
Associate Manager - Credit & Collections
Exotel Techcom Pvt Limited
05.2023 - Current
- Managed end-to-end B2B collections portfolio, following up on overdue invoices across multiple accounts to minimize losses, and improve cash flow.
- Regularly monitored aging reports, identified high-risk accounts based on aging buckets (0-30, 31 to 60, 61 to 90+ days) outstanding, and initiated timely escalations.
- Reduced outstanding receivables through consistent follow-ups, and a structured escalation process.
- Coordinated with customers to resolve invoice discrepancies, usage mismatches, billing disputes, and GST-related issues.
- Worked closely with the Billing, Finance, Sales, and CSM teams to ensure accurate invoice generation and timely closure.
- Ensured adherence to payment commitments, tracked promised payment dates, and proactively escalated delays.
- Handled credit limit (CL) monitoring, recommending reductions or account blocks in cases of chronic non-payment.
- Conducted investigations into customer accounts and payment histories to assess risk and recovery options.
- Collaborated with legal resources and recovery teams to manage default and escalation cases.
- Validated invoices against usage data and contractual terms before sharing them with customers to prevent revenue leakage.
- Coordinated re-billing and invoice corrections where required, ensuring compliance and accuracy.
- Shared regular payment status updates with internal stakeholders and leadership.
- Supported month-end and quarter-end closures by maximizing cash realization.
- Maintained accurate records of customer communications, payment confirmations, and audit documentation.
- Mentored junior team members, supporting their professional growth and skill development.
- Proactively identified process improvement opportunities, implementing solutions that resulted in cost savings.
Credit & Collection Specialist
Merck Group
05.2021 - 05.2023
- Monitored accounts for compliance with established payment plans and flagged non-compliances.
- Trained new team members on scripts, company services, and collection strategies.
- Used scripted conversation prompts to convey current account information and obtain payments.
- Advised customers of alternative actions and strategies for debt repayment.
- Worked with customers to create a debt repayment plan based on current financial conditions.
- Processed debtor payments and updated accounts to reflect new balances.
- Entered client details and notes into the system for interdepartmental access and review.
- Working with Internal Sales Team, Account Managers, and Customer service team to gather the required information to resolve the account/issue-related invoices. Aiding during an internal and external audit.
- Taking an active part in the conference call with the buyers / respective Leads / Managers for a quick resolution and to take future actions to avoid the same issues. Investigating Intercompany payments.
- Completing all the accounts / collection-related activities to meet the team / organizational objectives.
- Handling multiple countries’ portfolios (Australia and New Zealand)
Oracle India Pvt Limited
03.2019 - 05.2021
- Handles complex client-specific queries, issues, or escalations within the client context.
- Cash collections: This involves sending customers reminders of the past due on the account and getting payment updates from them for the past due on the account and invoices going due.
- Dispute resolution: Resolve various disputes pertaining to pricing, quality, and quantity of the product shipped to the customer.
- Preparing the aging report for the customer to ensure of clearing the aged invoices on priority.
- Processing of the daily payments received through bank statements
- Assisting team members with the workload during periods of high volume and contingencies.
- Introduce corrective and preventive measures to improve the quality of cash posting.
- Review all receipts received to ensure quick resolution.
- Highly motivated and Customer focused (internal and external).
- Roll out the Productivity report by working on 7 aging bucket reports.
- Maintain SLA of 24-48 hours of resolution to customer queries.
Collection Analyst
Honeywell Global Finance Center
03.2018 - 03.2019
- Handling the portfolio of nearly 300- 450 clients
- As an account, and receivable analyst, the main moto is to reduce the AR before the due date appears.
- Make sure all the payments are made before the due date.
- Identifying the client’s concerns and getting the issue fixed per it.
- Ensuring there is any Credit on the statement and acting per it.
- Releasing the order based on the criteria
- Documenting the specific data in the SAP tool.
- Preparation of AR aging report
- Reconciliation of accounts.
- Prepare and send notifications of payments past due.
- Handling Calls with Sales/Stakeholders- Monthly/weekly.
- Through knowledge of SAP (FSCM) tool.
- Working closely with customer master team/billing team/shipping team.
Senior Analyst
Magna InfoTech
07.2017 - 03.2018
- Handling the portfolio of nearly 300- 450 clients
- As an account, and receivable analyst, the main moto is to reduce the AR before the due date appears.
- Make sure all the payments are made before the due date.
- Identifying the client’s concerns and getting the issue fixed per it.
- Ensuring there is any Credit on the statement and acting per it.
- Releasing the order based on the criteria
- Documenting the specific data in the SAP tool.
- Preparation of AR aging report
- Reconciliation of accounts.
- Prepare and send notifications of payments past due.
- Handling Calls with Sales/Stakeholders- Monthly/weekly.
- Through knowledge of SAP (FSCM) tool.
- Working closely with customer master team/billing team/shipping team.
- (Client - Honeywell)
Associate – Tax
Ocwen Financial Services
08.2013 - 01.2015
- Must ensure that all properties with the first lien placed by Ocwen must be protected from any risk of losing the property.
- Interface and work with Attorneys and tax collectors to resolve sales issues
- Identifying and Resolving Tax disputes/Issues triggered by homeowners.
Education
Bachelor of Commerce -
Bangalore University
01.2013
Skills
Understanding of Business needs, and requirements and making an action plan to serve the same
Accomplishments
- Successful transition & stabilization of the Cash Collections process from the Europe region.
- Bi-Annual - Pinnacle performer award 2022.
Timeline
Associate Manager - Credit & Collections
Exotel Techcom Pvt Limited
05.2023 - Current
Credit & Collection Specialist
Merck Group
05.2021 - 05.2023
Oracle India Pvt Limited
03.2019 - 05.2021
Collection Analyst
Honeywell Global Finance Center
03.2018 - 03.2019
Senior Analyst
Magna InfoTech
07.2017 - 03.2018
Associate – Tax
Ocwen Financial Services
08.2013 - 01.2015
Bachelor of Commerce -
Bangalore University