Accounts Receivable Manager

Job Title: Manager - Accounts Receivable (Order to Cash)

Location: Noida

Educational Qualifications: CA Inter or MBA (Finance) is mandatory.

CTC: 19 LPA,(including 16.6% Variable Bonus)

Role Overview: The Senior Manager Accounts Receivable (O2C) will lead and manage the complete Order-to-Cash lifecycle for a high-volume, technology-driven payments and digital commerce business. The role is responsible for ensuring accurate billing, compliant revenue recognition, efficient accounts receivable management, strong cash flow, and robust Expected Credit Loss (ECL) governance. This position requires close collaboration with Sales, Product, Finance, Legal, Risk, and Compliance teams, along with leadership of operational teams in a fast-paced fintech environment.

Key Responsibilities:

• Oversee timely and accurate billing across multiple revenue streams, including transaction-based charges, subscriptions, platform fees, and merchant services
• Ensure billing aligns with merchant contracts, commercial terms, pricing models, and promotional structures
• Maintain compliance with GST regulations, e-invoicing mandates, and multi-currency billing requirements
• Manage large-scale billing runs using ERP and automated billing systems, including exception handling
• Drive billing accuracy above 99% to minimize customer disputes
• Lead monthly revenue close activities, including revenue recognition, deferrals, reclassifications, and treatment of variable consideration in accordance with Ind AS 115
• Perform reconciliations between sub-ledgers, settlement data, payment systems, and the general ledger
• Partner with Sales and Product teams on contract modifications, pricing changes, and new product launches to ensure accurate revenue treatment
• Support statutory, internal, and SOX audits with accurate documentation and strong financial controls
• Produce revenue insights and dashboards, including ARR, MRR, and cohort-level revenue trends for leadership
• Own end-to-end accounts receivable management to optimize DSO and overall cash flow
• Monitor AR ageing buckets and implement structured dunning strategies
• Manage escalations and collections for large enterprise merchants
• Oversee cash application across multiple banks, payment gateways, and settlement partners
• Resolve short payments, disputes, chargebacks, and settlement mismatches efficiently
• Implement credit control policies and conduct customer risk assessments
• Lead Expected Credit Loss (ECL) computation under Ind AS 109
• Manage receivable staging (Stage 1, Stage 2, and Stage 3) and PD, LGD, and EAD modelling
• Perform scenario-based forecasting, sensitivity analysis, and provisioning reviews
• Collaborate with Risk, FP&A, and Audit teams to validate assumptions and support financial statement disclosures
• Drive automation and scalability of ECL processes
• Lead, mentor, and develop teams across billing, accounts receivable, collections, and cash application
• Define and track KPIs related to billing accuracy, collection efficiency, dispute resolution timelines, and month-end close
• Conduct performance reviews, capability assessments, and team development initiatives
• Drive process documentation, cross-training, and continuous improvement initiatives
• Manage strong cross-functional stakeholder relationships with Sales, Product, Operations, Legal, Treasury, Finance, auditors, banks, and payment networks
• Provide leadership-level reporting on AR ageing, DSO trends, ECL exposure, and key risk areas

Experience Requirements: 1015 years of experience in Accounts Receivable or Order-to-Cash roles, preferably within fintech, payments, SaaS, e-commerce, or other high transaction-volume businesses. Strong hands-on exposure to Ind AS 115 and Ind AS 109 is required, along with experience managing large teams and complex stakeholder environments.

Technical and System Skills: Strong working knowledge of ERP systems such as SAP, Oracle, NetSuite, or Navision is required. Advanced Excel skills, experience with reporting dashboards, automation tools, and handling large data volumes are essential. Understanding of payments, settlement cycles, chargebacks, and merchant billing structures is expected.

Key Competencies: Strong analytical and problem-solving ability, high ownership and accountability, ability to work in fast-paced and ambiguous environments, excellent communication and stakeholder management skills, and a process-driven mindset with strong attention to detail.