Accounts Receivable Analyst II

Key Responsibilities

• Manage a portfolio of merchant accounts across various stages of delinquency.
• Contact merchants via phone and email to resolve outstanding balances and support repayment.
• Build professional relationships with merchants and handle sensitive conversations with confidence and empathy.
• Negotiate and implement payment solutions aligned with merchant circumstances and business objectives.
• Monitor account status and take ownership of progressing cases through to resolution.
• Maintain accurate and detailed records of all account activity within internal systems.
• Handle a high volume of tasks while maintaining strong attention to detail and organization.
• Assess account risk and escalate appropriately based on complexity, exposure, and stage within the collections process.
• Partner with internal teams to support account resolution and ensure the timely progression of complex cases.
• Use available account data and payment behavior to prioritize follow-up and support effective decision-making.
• Contribute to a positive, accountable, and results-driven team environment.

Skills, Knowledge & Expertise

• 5+ years of experience in accounts receivable, collections, credit control, or debt recovery.
• Strong written and verbal communication skills.
• Ability to manage challenging conversations in a professional and solution-oriented manner.
• High attention to detail and accuracy across systems and documentation.
• Strong organizational and time management skills.
• Ability to work effectively in a fast-paced, target-driven environment with clear ownership of individual performance.
• Proficiency in Microsoft Excel and Office tools.

Desirable Traits

• Experience in fintech, financial services, or lending environments.
• Exposure to collections and recoveries across different stages of arrears.
• Experience managing higher-value or more complex accounts.
• Familiarity with legal escalation, third-party collections, or recovery processes.
• Comfort working with data to guide prioritization and follow-up.
• Adaptable and comfortable working in a high-growth environment.
• Strong sense of ownership and accountability.
• Positive attitude with a willingness to learn and grow.