Collection Analyst

Collections Analyst

Finance leaders choose Billtrust to get paid faster, control costs, and maximize customer satisfaction. As the leader in B2B accounts receivable workflow and payment software, we provide the worlds leading brands with AI-powered solutions across the full AR lifecycle—from invoice presentment and payment processing to cash application and collections. With over 2,600 global customers, more than $1 trillion in invoice dollars processed, and a proprietary network of 13 million buyers, Billtrust delivers business value through deep industry expertise and a culture relentlessly focused on meaningful customer outcomes.

We’re an AI-first company, not just in what we build for our customers, but in how we work. Across every function, our teams use AI tools daily to work faster, make better decisions, and deliver higher-quality outcomes. We hire exceptional people, give them cutting-edge AI capabilities, and measure success by the impact they create. If you want to do the best work of your career at the frontier of AI and fintech, Billtrust is the place to do it.

What You'll Do

• Conduct customer outreach across an assigned portfolio, including calls, emails, payment plan negotiation, and escalations, consistent with company collection policy and aging targets.
• Monitor AR aging and proactively drive collections to reduce past-due balances and improve days sales outstanding (DSO).
• Apply customer payments to open invoices, research and clear unapplied cash, and process credit memo applications.
• Investigate and resolve customer disputes, short-pays, and billing discrepancies in partnership with Billing, Sales, and Customer Success.
• Perform AR reconciliations, including subledger-to-general-ledger tie-outs and account- level analysis.
• Support month-end close from an AR perspective, including bad debt reserves, accruals, and reporting.
• Produce weekly and monthly customer-level cash collection forecasts for Treasury, including expected payment timing, likelihood-to-pay scoring, and risk-adjusted assumptions that feed our enterprise cash forecast.
• Develop, document, and refine forecasting methodology at the customer and segment
• level, including pay-date estimation, days-to-pay (DTP) history, and adjustment factors for disputed or at-risk accounts.
• Partner directly with Treasury and financial planning and analysis (FP&A) to validate cash forecast assumptions, walk through portfolio-level changes, and reconcile forecast variances to actual collections.
• Analyze receivables trends, identify risk areas, and provide reporting on delinquencies, bucket migration, and cash flow impact, including collection effectiveness index (CEI).
• Recommend account-level reserve and write-off treatment in support of the monthly allowance for doubtful accounts under current expected credit losses (CECL) methodology.
• Strengthen AR processes and internal controls, driving efficiencies across collections, dispute resolution, and customer outreach automation (dunning sequences, payment reminders, workflow tools).
• Document all collection activity, customer commitments, and dispute status in our collections system of record daily to maintain audit-ready support, and support external audit and private equity (PE) sponsor reporting requests

Qualifications:

• 4+ years of B2B collections experience, preferably in software, SaaS, or technology services.
• Demonstrated track record on a complex collections portfolio with quantifiable improvement in DSO, aged AR, or bad debt.
• Hands-on experience producing customer-level cash collection forecasts or payment timing estimates that supported a treasury or FP&A function.
• Direct cash application experience, including payment posting, unapplied cash research, and credit memo application.
• Advanced Excel skills, including pivot tables, lookups, structured references, and basic modeling for aging analysis, forecast build, and trending.
• Strong written and verbal English communication skills with experience handling customer interactions directly.
• Hyderabad-based, with willingness to work a shift that overlaps with either U.S. Eastern
• Time or Central European Time, as determined by portfolio assignment.
• Highly organized self-starter able to prioritize a high-volume portfolio independently.

Bonus Points

• Working fluency in Salesforce, Gong, and Outreach.
• Exposure to current expected credit losses (CECL) reserve methodology or allowance for doubtful accounts.
• Experience with dispute management workflows or dispute resolution tools.
• Hands-on experience automating collection tasks (bulk correspondence, payment reminders, robotic process automation (RPA), workflow tools).
• Direct experience partnering with a treasury or FP&A function on enterprise cash forecasting.
• Working knowledge of Sage Intacct, Billtrust Collections, or comparable AR, enterprise resource planning (ERP), or collections platforms.
• Bachelor’s degree in Accounting, Finance, Business, or related discipline.

Who We Are:

Finance leaders turn to Billtrust to control costs, accelerate cash flow and improve customer satisfaction. As a B2B order-to-cash software and digital payments market leader, we help the world's leading brands get paid faster while transitioning from expensive paper invoicing and check acceptance to efficient electronic billing and payments. With over 2,600 global customers and more than $1 trillion invoice dollars processed, Billtrust delivers business value through deep industry expertise and a culture relentlessly focused on delivering meaningful customer outcomes.