We are looking for a detail-oriented and tenacious Insurance Claims & Billing Executive to own our end-to-end insurance revenue cycle. The primary focus will be on managing cashless claims with Cigna International and Allianz Care, recovering aged receivables, and building scalable billing processes to prevent future leakage.

This is a high-impact role: you will be the single owner of insurance receivables and directly contribute to the financial health of the business.

Key Responsibilities

1.Claims Submission & Processing

. Submit complete, accuratecashless claims to Cigna International and Allianz Care within agreedturnaround times

. Ensure all claims aresupported by correct ICD-10 diagnosis codes, itemised billing, clinicaldocumentation, and referral letters where required

. Obtain pre-authorisationsand Guarantee Letters (GLs) prior to treatment where applicable

. Liaise with insurers'regional processing hubs and adjudicators to track claim status

2.Accounts Receivable & Backlog Recovery

. Take full ownership of theexisting aged receivables backlog - triage, categorise, and systematicallyrecover outstanding amounts

. Maintain a live agingreport (30/60/90/120+ days) and report weekly to management

. Proactively chase overduepayments via email, phone, and insurer portals

. Track and minimise DaysSales Outstanding (DSO) as a KPI

3.Rejection Management & Appeals

. Review all claim rejectionsand underpayments, identify root causes, and file formal appeals withsupporting documentation

. Draft professional appealletters in accordance with each insurer's dispute process

. Reconcile Explanation ofBenefits (EOB) statements against billed amounts and flag discrepancies

4.Process Building & Documentation

. Design and document aStandard Operating Procedure (SOP) for the full claims lifecycle - from GLrequest to payment reconciliation

. Implement a tracking system(Excel or clinic management software) to monitor all active claims

. Train front desk and adminstaff on correct insurance documentation at point of care

. Identify process gaps thatlead to delayed or rejected claims and propose solutions

5.Insurer Relationship Management

. Maintain professionalworking relationships with Cigna and Allianz relationship managers and billingcontacts

. Stay current with changesto panel requirements, billing formats, and fee schedules

. Support any future panelnegotiations or new insurer on-boarding

Requirements

Essential

. Minimum 2-3 years ofexperience in medical billing, insurance claims, or revenue cycle management

. Direct experience workingwith IPMI insurers - Cigna, Allianz, AXA Global, Bupa, or equivalent

. Strong understanding ofcashless direct billing, GL processing, pre-authorisation, and EOBreconciliation

. Familiarity with ICD-10coding and itemised medical billing formats

. Proven track record ofrecovering aged receivables / cleaning up a backlog

. Excellent written English -capable of drafting formal appeal letters independently

. Proficient in MicrosoftExcel for receivables tracking and reporting