Accounts Receivable Resume Samples and Templates for 2026

Accounts Receivable Resume: Tips, Examples & Templates

Introduction

Accounts Receivable (AR) professionals are essential to the financial health of organisations across India, managing the critical function of collecting payments and maintaining healthy cash flow. From manufacturing companies in Gujarat to IT firms in Bangalore, AR specialists ensure that businesses receive timely payments while maintaining strong customer relationships. As India’s economy continues to grow and businesses expand, the demand for skilled accounts receivable professionals remains consistently high.

The role of AR professionals has evolved significantly with the implementation of GST, digital payment systems, and ERP software adoption. Companies are seeking individuals who can manage traditional collection activities while leveraging technology to improve efficiency. Whether you’re a fresher entering the finance field or an experienced professional seeking advancement, a well-crafted resume is essential for standing out in India’s competitive job market.

This comprehensive guide will help you create an accounts receivable resume that effectively showcases your collection skills, software proficiency, and ability to maintain positive customer relationships. From highlighting your Tally expertise to demonstrating your success in reducing DSO (Days Sales Outstanding), we’ll cover everything you need to land your dream AR role in 2025.

Section 1: Understanding the Accounts Receivable Role in India

Overview of Duties and Responsibilities

Accounts Receivable professionals in India handle crucial financial responsibilities that directly impact cash flow and business operations. Common duties include:

• Invoice Generation and Distribution: Creating accurate invoices in Tally or ERP systems, ensuring proper GST calculations, and timely dispatch to customers.

• Payment Collection: Following up on outstanding invoices, negotiating payment terms, and ensuring timely collection of dues.

• Account Reconciliation: Matching payments received with invoices, resolving discrepancies, and maintaining accurate customer ledgers.

• Credit Management: Assessing customer creditworthiness, setting credit limits, and monitoring credit exposure.

• Aging Analysis: Preparing and analysing aging reports, identifying overdue accounts, and prioritising collection efforts.

• Customer Relationship Management: Maintaining positive relationships with customers while pursuing outstanding payments professionally.

Key Skills and Competencies Employers Look For

Employers in India’s AR sector value a combination of technical proficiency and interpersonal skills:

• Accounting Software Expertise: Proficiency in Tally ERP 9, SAP FICO, Oracle Financials, or other ERP systems.

• GST Knowledge: Understanding of GST invoicing, input tax credit, and compliance requirements.

• Excel Proficiency: Advanced skills in Excel for aging analysis, reporting, and data management.

• Communication Skills: Ability to professionally follow up with customers and negotiate payment terms.

• Attention to Detail: Accuracy in invoice processing, payment application, and reconciliation.

• Problem-Solving: Ability to resolve billing disputes and payment discrepancies efficiently.

Diversity of Roles Within Accounts Receivable

The AR field in India offers various specialisation paths:

• AR Executive: Entry-level role handling invoice generation and basic collection activities.

• AR Analyst: Focuses on aging analysis, reporting, and identifying collection trends.

• Collection Specialist: Specialises in pursuing overdue accounts and negotiating settlements.

• Credit Analyst: Assesses customer creditworthiness and sets credit limits.

• AR Team Lead: Supervises AR team and manages overall collection performance.

• AR Manager: Oversees complete AR function including strategy, team management, and reporting.

Section 2: Preparing Your Resume - Essential Components

Contact Information

Your contact section should be professional and easily accessible:

• Full Name: Clearly displayed at the top of your resume
• Phone Number: Include your mobile number with country code (+91)
• Email Address: Use a professional email (e.g., kavita.sharma@email.com)
• Location: City and state (e.g., Chennai, Tamil Nadu)
• LinkedIn Profile: Include if it showcases relevant professional information

Professional Summary

Your summary should capture your experience, expertise, and career objectives:

Example for Experienced Professional: “Senior Accounts Receivable Specialist with 7+ years of experience in collections and credit management. Managed AR portfolio of ₹50 crore at Tata Steel reducing DSO from 65 to 45 days. Expert in Tally ERP 9, SAP FICO, and advanced Excel. Achieved 98% collection rate through strategic customer engagement. Seeking to lead AR operations in a growth-oriented organisation.”

Example for Mid-Level Professional: “Accounts Receivable Executive with 4 years of experience in invoice processing and collections. Successfully managed 500+ customer accounts at Reliance Retail. Proficient in Tally Prime and MS Excel. Reduced overdue receivables by 35% through systematic follow-up processes. Looking to grow in a challenging AR role.”

Example for Fresher: “B.Com graduate from Madras University with Tally certification. Completed 6-month internship handling customer invoicing and payment tracking. Strong foundation in accounting principles, GST basics, and Excel. Excellent communication skills in English, Hindi, and Tamil. Eager to start my career in accounts receivable.”

Work Experience

Present your experience in reverse chronological order with quantified achievements:

Senior AR Specialist | Mahindra & Mahindra | Chennai | 2020-Present

• Managed accounts receivable portfolio of ₹75 crore across 300+ dealer accounts
• Reduced Days Sales Outstanding (DSO) from 60 to 42 days through improved collection strategies
• Implemented automated payment reminders reducing manual follow-ups by 50%
• Reconciled 1000+ transactions monthly with 99.5% accuracy

AR Executive | Ashok Leyland | Chennai | 2017-2020

• Processed 500+ invoices monthly ensuring accurate GST calculations
• Followed up on overdue accounts recovering ₹5 crore in aged receivables
• Prepared weekly aging reports for management review
• Assisted in year-end closing and audit support

Skills Section

Technical Skills:

• Accounting Software: Tally ERP 9, Tally Prime, SAP FICO, Oracle Financials
• Taxation: GST invoicing, E-invoicing, TDS on payments
• MS Office: Advanced Excel (VLOOKUP, Pivot Tables), Word, Outlook
• Reporting: Aging analysis, DSO calculation, Cash flow forecasting
• Banking: Payment reconciliation, NEFT/RTGS tracking, LC/BG management
• ERP Systems: SAP, Oracle, Microsoft Dynamics

Soft Skills:

• Communication
• Negotiation
• Customer Relationship
• Problem Solving
• Time Management
• Attention to Detail

Section 3: Resume Formats for AR Professionals

Chronological Resume

Best suited for professionals with steady career progression in finance or accounting. Lists work experience from most recent to oldest, highlighting career growth.

When to use: If you have 3+ years of continuous AR/finance experience with clear progression.

Functional Resume

Focuses on skills and competencies rather than chronological work history. Useful for career changers or those with employment gaps.

When to use: If you’re transitioning from a related field or have gaps in employment.

Combination Resume

Blends the chronological and functional formats, highlighting both skills and work history. Ideal for experienced professionals seeking senior roles.

When to use: If you have diverse experience and want to showcase both skills and career progression.

Section 4: Professional Summary Examples

For Collection Specialist: “Collection Specialist with 5 years of experience in B2B collections for manufacturing sector. Recovered ₹10 crore in bad debts at L&T through negotiation and legal coordination. Expert in aging analysis and customer segmentation. Reduced write-offs by 40% through early intervention strategies. Strong communication skills in Hindi and English.”

For Credit Analyst: “Credit Analyst with 4 years of experience in customer credit assessment. Evaluated credit applications worth ₹100 crore annually at HDFC Bank. Expert in financial statement analysis and credit scoring. Reduced credit losses by 25% through improved assessment criteria. Proficient in credit rating tools and risk assessment.”

For AR Team Lead: “AR Team Lead with 6 years of experience managing collections for FMCG sector. Led team of 8 executives at ITC achieving 95% collection rate. Reduced DSO from 55 to 38 days through process improvements. Expert in Tally, SAP, and collection automation. Strong leadership and mentoring skills.”

For Fresher: “B.Com graduate from Delhi University with distinction. Completed Tally ERP 9 certification and GST course. Interned at CA firm handling customer invoicing and payment tracking. Strong foundation in accounting principles and excellent communication skills. Eager to contribute to an AR team.”

For Career Changer: “Customer service professional transitioning to accounts receivable with 4 years of client-facing experience. Completed B.Com through correspondence and Tally certification. Experience handling billing queries and payment processing. Strong customer relationship skills and attention to detail. Ready to apply communication expertise to AR role.”

Section 5: Showcasing AR Achievements

How to Present Achievements

Transform task descriptions into compelling achievements:

Instead of: “Responsible for collections” Write: “Collected ₹25 crore in outstanding receivables achieving 97% collection rate, reducing average DSO from 55 to 40 days through systematic follow-up and customer engagement”

Instead of: “Did account reconciliation” Write: “Reconciled 500+ customer accounts monthly with 99.8% accuracy, identifying and resolving discrepancies worth ₹50 lakhs within 48 hours”

Sample Work Experience Entries

AR Manager | Godrej Consumer Products | Mumbai

• Managed AR function for consumer products division with ₹200 crore annual revenue
• Led team of 6 executives achieving 98% collection rate
• Reduced DSO from 52 to 35 days through improved credit policies
• Implemented automated collection system saving 30 hours weekly
• Technologies: SAP FICO, Advanced Excel, Power BI

AR Analyst | Wipro | Bangalore

• Analysed aging reports for global clients managing $50M receivables portfolio
• Identified collection trends and recommended process improvements
• Prepared monthly AR dashboards for leadership review
• Reduced aged receivables by 40% through focused collection campaigns
• Technologies: Oracle Financials, Excel, Tableau

AR Executive | Asian Paints | Pune

• Processed 400+ invoices monthly for dealer network across Maharashtra
• Followed up on 200+ overdue accounts recovering ₹8 crore annually
• Maintained customer ledgers with 100% accuracy
• Coordinated with sales team to resolve billing disputes
• Technologies: Tally ERP 9, MS Excel

Entry-Level Project Ideas

For freshers, showcase relevant experience:

1. Internship Work - Invoice processing, payment tracking, customer follow-ups
2. Academic Projects - Working capital analysis, receivables management case studies
3. Tally Certification - Practical exercises in AR module
4. Volunteer Work - Managing accounts for NGOs or community organisations

Section 6: Skills to Include in Your AR Resume

Technical Skills

1. Accounting Software: Tally ERP 9, Tally Prime, SAP FICO, Oracle Financials, QuickBooks
2. GST Compliance: E-invoicing, GSTR filing, Input tax credit, GST reconciliation
3. Microsoft Excel: VLOOKUP, HLOOKUP, Pivot Tables, Aging analysis, Macros
4. Reporting: DSO calculation, Aging reports, Cash flow analysis, AR dashboards
5. Payment Processing: NEFT/RTGS tracking, Cheque management, LC/BG handling
6. Credit Management: Credit assessment, Limit setting, Risk evaluation
7. Reconciliation: Customer ledger matching, Bank reconciliation, Inter-company reconciliation
8. Collection Tools: Automated reminders, Collection software, CRM systems
9. Documentation: Invoice preparation, Credit notes, Debit notes, Statement of accounts
10. Banking Operations: Payment application, Refund processing, Advance management

Soft Skills

1. Communication: Professional follow-up with customers via calls, emails, and meetings
2. Negotiation: Discussing payment terms and settlement options
3. Customer Relationship: Maintaining positive relations while pursuing collections
4. Problem Solving: Resolving billing disputes and payment discrepancies
5. Time Management: Prioritising collection efforts based on aging and amount
6. Attention to Detail: Ensuring accuracy in invoicing and reconciliation
7. Persistence: Consistent follow-up on overdue accounts
8. Teamwork: Coordinating with sales, finance, and legal teams

Section 7: Certifications and Professional Development

Essential Certifications for AR Professionals

Tally Certification

• Issued by: Tally Education
• Value: Demonstrates proficiency in India’s most widely used accounting software

SAP FICO Certification

• Issued by: SAP
• Value: Shows expertise in enterprise-level financial software

GST Practitioner Certification

• Issued by: GSTN or various institutions
• Value: Validates GST compliance knowledge

Credit Management Certification

• Issued by: Various professional bodies
• Value: Demonstrates credit assessment and risk management skills

Professional Qualifications

• B.Com (Bachelor of Commerce)
• M.Com (Master of Commerce)
• MBA Finance
• CA Foundation/Intermediate (pursuing)
• CMA Foundation/Intermediate (pursuing)

Training Programmes

• Advanced Excel for Finance - Various institutes
• SAP FICO Training - SAP authorised centres
• Credit and Collection Management - Professional institutes
• GST Certification Course - ICAI/ICSI/private institutes

Section 8: Tips by Experience Level

Entry-Level (0-2 Years)

• Highlight Education: Emphasise your B.Com/M.Com with relevant coursework
• Include Certifications: Tally, GST, Excel certifications add credibility
• Showcase Internships: Detail your internship experiences with specific tasks
• Mention Communication Skills: Languages known and communication abilities
• Emphasise Software Skills: Tally, Excel, and any ERP exposure
• Add Academic Projects: Relevant finance or accounting projects

Mid-Level (3-7 Years)

• Focus on Metrics: DSO improvement, collection rates, recovery amounts
• Show Process Improvements: Efficiency gains, automation initiatives
• Highlight Volume Handled: Portfolio size, number of accounts, transaction volume
• Demonstrate Team Contribution: Training juniors, process documentation
• Include Customer Relationship: Managing key accounts, resolving disputes
• Show Software Expertise: Advanced features of ERP systems

Senior-Level (8+ Years)

• Strategic Contributions: Credit policy development, process transformation
• Leadership Experience: Team size managed, performance achievements
• Cross-Functional Coordination: Working with sales, legal, and finance teams
• Bad Debt Management: Write-off reduction, recovery strategies
• System Implementations: ERP implementations, automation projects
• Stakeholder Management: Reporting to leadership, audit coordination

Section 9: ATS Optimisation Tips

Understanding ATS in Indian Context

Many Indian companies use Applicant Tracking Systems to screen resumes. Common systems include Naukri RMS, Taleo, and various HR software solutions.

Keyword Optimisation

Include relevant keywords from the job description:

• Technical terms: Accounts Receivable, AR, Collections, DSO, Aging
• Job titles: AR Executive, Collection Specialist, Credit Analyst
• Skills: Invoice processing, Reconciliation, Credit management
• Software: Tally, SAP, Oracle, Excel

Formatting Best Practices

• Use standard fonts (Arial, Calibri, Times New Roman)
• Avoid tables, graphics, and complex formatting
• Use standard section headings (Experience, Education, Skills)
• Save as PDF or .docx as specified
• Keep file size under 2MB

Common Mistakes to Avoid

• Using headers and footers (ATS may not read them)
• Including photos or graphics
• Using abbreviations without full forms
• Inconsistent date formats
• Missing contact information

Conclusion

Creating a compelling accounts receivable resume requires showcasing your collection skills, software proficiency, and ability to maintain positive customer relationships while ensuring timely payments. By following this guide, you can craft a resume that effectively communicates your AR expertise to employers in India’s competitive finance job market.

The accounts receivable profession in India offers excellent opportunities for growth, especially with increasing focus on working capital management and cash flow optimisation. Whether you’re a fresher entering the finance field, a mid-level professional seeking advancement, or a senior AR manager targeting leadership roles, a well-crafted resume is your key to career success.

Remember to tailor your resume for each application, quantify your achievements with specific metrics (DSO improvement, collection rates, portfolio size), and keep your software skills section updated. Highlight your communication abilities as they are crucial for successful collections.

Ready to create your professional accounts receivable resume? Use our resume builder to get started with professionally designed templates, or explore more resume samples for inspiration. For personalised guidance, our expert resume writers are here to help you craft a document that opens doors to your dream AR role.