Tesco India Bengaluru, Karnataka, India Hybrid Full-Time Permanent Apply by 23-Jun-2025
About the role
Associate - Fraud & Collections
What is in it for you
At Tesco, we are committed to providing the best for you.
As a result, our colleagues enjoy a unique, differentiated, market- competitive reward package, based on the current industry practices, for all the work they put into serving our customers, communities and planet a little better every day.
Our Tesco Rewards framework consists of pillars - Fixed Pay, Incentives, and Benefits.
Total Rewards offered at Tesco is determined by four principles - simple, fair, competitive, and sustainable.
Salary - Your fixed pay is the guaranteed pay as per your contract of employment.
Performance Bonus - Opportunity to earn additional compensation bonus based on performance, paid annually
Leave & Time-off - Colleagues are entitled to 30 days of leave (18 days of Earned Leave, 12 days of Casual/Sick Leave) and 10 national and festival holidays, as per the company’s policy.
Making Retirement Tension-FreeSalary - In addition to Statutory retirement beneets, Tesco enables colleagues to participate in voluntary programmes like NPS and VPF.
Health is Wealth - Tesco promotes programmes that support a culture of health and wellness including insurance for colleagues and their family. Our medical insurance provides coverage for dependents including parents or in-laws.
Mental Wellbeing - We offer mental health support through self-help tools, community groups, ally networks, face-to-face counselling, and more for both colleagues and dependents.
Financial Wellbeing - Through our financial literacy partner, we offer one-to-one financial coaching at discounted rates, as well as salary advances on earned wages upon request.
Save As You Earn (SAYE) - Our SAYE programme allows colleagues to transition from being employees to Tesco shareholders through a structured 3-year savings plan.
Physical Wellbeing - Our green campus promotes physical wellbeing with facilities that include a cricket pitch, football field, badminton and volleyball courts, along with indoor games, encouraging a healthier lifestyle.
You will be responsible for
Following our Business Code of Conduct and always acting with integrity and due diligence and have these specific risk responsibilities:
• Providing exceptional customer service to our customers with the help of various tools and methods.
• Stay updated on new and emerging fraud trends to mitigate risks to the business. Utilize various tools and methods to identify and
prevent fraudulent orders.
• Work within the company's credit policy, recommending changes to support growth and process improvement while limiting revenue
risk. Negotiate and communicate credit decisions, recommend payment terms, and set credit limits for new and existing customers.
• Handle primary debt collection activities, ensuring timely and effective recovery of outstanding payments.
• Help mitigate fraud risk to the company, using different channels.
• Be aware of the tools used for the purposes of identifying fraudulent orders to mitigate the risk to the business of fraud
• Making outbound and receiving inbound collection calls with customers who are in arrears.
• Work within the Company's credit policy, recommending changes as necessary to support growth & process improvement while limiting
revenue risk.
• Negotiate and communicate credit decisions, recommend payment terms & credit limits to new and existing customers
• Review processes and procedures to reduce fraud and revenue loss
Key people and teams I work with in and outside of Tesco:
People, budgets and other resources I am accountable
for in my job:
• CEC Operations Teams
• Delivering on agreed Service Levels for tasks relevant to
• CEC Business Partners
my team
• Product & Process Improvement Teams
• Knowledge Team
• Insight and MI Teams
• Providing exceptional customer service to our customers with the help of various tools and methods.
• Stay updated on new and emerging fraud trends to mitigate risks to the business. Utilize various tools and methods to identify and
prevent fraudulent orders.
• Work within the company's credit policy, recommending changes to support growth and process improvement while limiting revenue
risk. Negotiate and communicate credit decisions, recommend payment terms, and set credit limits for new and existing customers.
• Handle primary debt collection activities, ensuring timely and effective recovery of outstanding payments.
• Help mitigate fraud risk to the company, using different channels.
• Be aware of the tools used for the purposes of identifying fraudulent orders to mitigate the risk to the business of fraud
• Making outbound and receiving inbound collection calls with customers who are in arrears.
• Work within the Company's credit policy, recommending changes as necessary to support growth & process improvement while limiting
revenue risk.
• Negotiate and communicate credit decisions, recommend payment terms & credit limits to new and existing customers
• Review processes and procedures to reduce fraud and revenue loss
Key people and teams I work with in and outside of Tesco:
People, budgets and other resources I am accountable
for in my job:
• CEC Operations Teams
• Delivering on agreed Service Levels for tasks relevant to
• CEC Business Partners
my team
• Product & Process Improvement Teams
• Knowledge Team
• Insight and MI Teams
You will need
Great collaboration skills, ability to work cross functionally to
• Preferred experience in customer service and fraud mitigation,
source information our colleagues need to serve customers
preferably in the online mobile industry.
brilliantly
• Understanding of fraud prevention tools and techniques.
• Strong organisational and multi-tasking skills; with abilities
• Proven track record of responding positively to varied and
to work well under pressure.
changing workloads to ensure timelines are met, whilst always
• Excellent communication and negotiation skills.
remaining focused on service.
• Analytical and problem-solving abilities.
• Knowledge of Billling and Collections procedures.
• Ability to work independently and as part of a team.
• Preferred experience in customer service and fraud mitigation,
source information our colleagues need to serve customers
preferably in the online mobile industry.
brilliantly
• Understanding of fraud prevention tools and techniques.
• Strong organisational and multi-tasking skills; with abilities
• Proven track record of responding positively to varied and
to work well under pressure.
changing workloads to ensure timelines are met, whilst always
• Excellent communication and negotiation skills.
remaining focused on service.
• Analytical and problem-solving abilities.
• Knowledge of Billling and Collections procedures.
• Ability to work independently and as part of a team.
About us
Tesco in Bengaluru is a multi-disciplinary team serving our customers, communities, and planet a little better every day across markets. Our goal is to create a sustainable competitive advantage for Tesco by standardising processes, delivering cost savings, enabling agility through technological solutions, and empowering our colleagues to do even more for our customers. With cross-functional expertise, a wide network of teams, and strong governance, we reduce complexity, thereby offering high-quality services for our customers.
Tesco in Bengaluru, established in 2004 to enable standardisation and build centralised capabilities and competencies, makes the experience better for our millions of customers worldwide and simpler for over 3,30,000 colleagues.
Tesco Business Solutions:
Established in 2017, Tesco Business Solutions (TBS) has evolved from a single entity traditional shared services in Bengaluru, India (from 2004) to a global, purpose-driven solutions-focused organisation. TBS is committed to driving scale at speed and delivering value to the Tesco Group through the power of decision science. With over 4,400 highly skilled colleagues globally, TBS supports markets and business units across four locations in the UK, India, Hungary, and the Republic of Ireland. The organisation underpins everything that the Tesco Group does, bringing innovation, a solutions mindset, and agility to its operations and support functions, building winning partnerships across the business. TBS's focus is on adding value and creating impactful outcomes that shape the future of the business. TBS creates a sustainable competitive advantage for the Tesco Group by becoming the partner of choice for talent, transformation, and value creation