Collections Rep

Innovate in Bengaluru

This position is based at our on-site office in Bengaluru. Lowe's offers an ultramodern work environment, complete with cutting-edge technology, collaborative workspaces, an on-site gym and clinic, and other perks to enhance your work experience. 

About Lowe's

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

Lowe’s India, the Global Capability Center of Lowe’s 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, Lowe’s 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

Job Summary:

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.

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 efficient 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.

Roles & 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

Years of Experience:

1-2 Years in O2C with Collections experience must

Required Minimum Qualifications:

Bachelors Degree / Post Graduate Degree

Primary Skills (must have)

• Collection Expertise
• Understanding of O2C processes
• Experience with collection and AR management
• Must be able to work in night shift
• Shift timings:
• • Standard: 6:30 PM – 3:30 AM
  • Daylight Saving: 7:30 PM – 4:30 AM

Lowe's is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law.