Ritu Bhardwaj

Results-driven Accounts Receivable and Billing Specialist with over 5 years of experience in high-volume financial operations, process optimization, and team mentorship within regulatory environments. Proven track record in denial management and cash flow optimization, consistently maintaining a QA audit accuracy rate above 95% and reducing aged AR (90+ days) through targeted recovery strategies. Strong leadership background skilled in work allocation, training junior associates, and implementing workflow efficiencies using advanced Excel and enterprise billing systems.

Senior Process Associate at Unify Healthcare (2024-04 – 2026-06)

• Handle the most complex, high-dollar, or long-overdue insurance claims that junior associates cannot resolve
• Analyze difficult insurance rejections and write formal appeals for complicated clinical or administrative denials
• Identify technical bugs, workflow delays, or insurance portal issues and report them to the technical team
• Onboard new hires and guide them through complex software platforms and medical billing guidelines
• Distribute daily claim inventories and tasks evenly among team members to hit daily targets
• Act as the first point of contact when a junior teammate needs help dealing with an insurance agent over the phone

Sr. Process Associate at Knack Global Pvt. Ltd. (2020-08 – 2024-03)

• Analyze accounts receivable reports to find claims that insurance companies have not paid within 30 to 60 days
• Contact US health insurance companies directly to check the status of submitted claims
• Use insurance web portals to track claims and gather payment updates without making a phone call
• Figure out exactly why a claim was denied, underpaid, or rejected by the insurance company
• Correct missing or wrong information on claims, such as patient ID numbers, medical codes, or authorization details
• Send corrected claims or official appeal letters back to the insurance company for re-evaluation

Masters in Social Work – IGNOU (Chandigarh University) (2017-06 – 2022-05)

Bachelors in Arts – Post Graduate Girls College, Sec-11 (Chandigarh) (2014-06 – 2017-05)