If you've been searching for BPO jobs in Mumbai, you have probably seen openings for "AR Caller", "AR Associate" or "Medical Billing – AR Calling". They often pay more than regular customer support roles, offer fixed weekends off, and are open to freshers. But what is the job, exactly?
Career Guideline hires AR Callers across India: in Mumbai (Andheri, Airoli, Turbhe and Thane) and in Pune, Chennai, Hyderabad, Bengaluru, Kochi and Coimbatore. Here is everything you need to know before you apply. See all our AR Caller openings →
What does an AR Caller actually do?
When a patient visits a doctor in the US, the doctor sends a bill, called a claim, to the patient's insurance company. Many claims are paid late, paid less, or denied. That unpaid money is the doctor's accounts receivable (AR). As an AR Caller, you:
- Pick up an unpaid or denied claim from your work list.
- Call the insurance company and speak to their representative.
- Ask for the claim's status: received, in process, paid or denied, and why.
- Find out what is needed to get it paid, such as corrected details, a document or an appeal.
- Note everything in the system, including the call reference number, so the claim can be fixed and paid.
You are not selling anything, and you are not talking to angry customers. Most calls are professional conversations with insurance representatives, which is why many people find AR calling less stressful than regular call centre work.
Where AR calling fits: revenue cycle management (RCM)
AR calling is one step in RCM (Revenue Cycle Management), the process US healthcare providers use to get paid:
- Patient registration and insurance eligibility checks
- Medical coding (turning diagnoses and procedures into codes)
- Charge entry and claim submission
- Payment posting
- AR follow-up and denial management, where AR Callers work
Typical AR Caller job details in Mumbai
Based on the AR Caller openings Career Guideline has posted this year:
- Locations: Andheri (Sakinaka), Airoli, Turbhe and Thane
- Shift: US shift, usually starting around 5:30 pm and running into the early morning
- Week offs: many roles offer fixed Saturday and Sunday off, because US offices are closed at weekends
- Transport: many companies provide a one-way cab for night shifts
- Work mode: mostly work from office
AR Caller jobs across India
AR calling is hired for in most big BPO cities. Career Guideline currently has AR Caller and US healthcare (RCM) openings in:
- Maharashtra: Mumbai, Navi Mumbai (Airoli, Turbhe), Thane and Pune
- South India: Chennai, Hyderabad, Bengaluru, Kochi and Coimbatore
Roles range from AR trainee and AR Caller to senior AR Caller (denial management), quality analyst, and RCM training roles. See all AR Caller openings →
AR Caller salary in Mumbai
From AR Caller openings Career Guideline has posted in 2026:
- AR trainees (freshers) start at the lower end. One employer's range for AR associates runs from ₹15,000 to ₹40,000 a month in-hand, depending on experience.
- 1 to 4 years of AR experience: openings of up to ₹36,000 a month (Andheri).
- Experienced and senior AR Callers, with denial management skills: packages of up to ₹5.5 to ₹6 LPA. Senior AR roles we have posted elsewhere are similar: up to about ₹5.5 LPA in Chennai and Hyderabad, and ₹5–7 LPA in Bengaluru.
These are figures from real openings, not guarantees. Your offer depends on the company, your experience and your interview. For CTC vs in-hand salary, see our BPO salary guide.
Who can apply?
- Freshers: HSC (12th) pass and graduate freshers are hired as AR trainees for many processes.
- BPO experience: some AR associate roles ask for about 6 months of BPO experience.
- Experienced: senior roles look for 1.5+ years in AR calling and denial management.
- Everyone: good spoken English and comfort with night shifts.
Skills that help you get selected
- Clear English and good listening, since US representatives speak quickly
- Basic computer skills and typing, to note every call accurately
- Patience and attention to detail, because one wrong date or ID can block a payment
- Knowing basic US healthcare terms such as claim, EOB, deductible and denial (see our AR Caller interview questions)
Career growth
AR calling is a specialised skill, and experience is valued. A common path is:
AR Trainee → AR Caller / AR Associate → Senior AR Caller (Senior Process Executive) → Quality Analyst or Subject Matter Expert → Team Leader
You can also move into related RCM roles such as denial management, payment posting or medical coding.
How to get hired: 5 steps
- Learn the basic terms: claim, payer, provider, EOB, deductible, copay, denial and appeal.
- Practise speaking clearly in English for 10 minutes a day.
- Prepare for the usual rounds: HR, an English or voice test, and an operations round. See our BPO interview process guide.
- Be sure about the night shift before you apply.
- Apply through a consultancy that never charges you. See AR Caller openings in Mumbai → or across India →
Pros and cons
- Pros: often fixed weekends off, better pay than many domestic roles, calm professional calls, cab facilities, and a specialised skill with steady demand.
- Cons: night shifts, daily productivity targets, and a lot of terminology to learn at the start.
Frequently Asked Questions
What is an AR Caller job?
An AR (Accounts Receivable) Caller works in US healthcare billing and calls US insurance companies on behalf of doctors and hospitals to follow up on unpaid or denied medical claims and get them paid.
Can freshers apply for AR Caller jobs?
Yes. Many companies hire HSC (12th) pass and graduate freshers as AR trainees, as long as they speak clear English and can work US night shifts.
What is the salary of an AR Caller in Mumbai?
In openings Career Guideline has posted in 2026, AR Caller pay ranges from about ₹15,000 a month in-hand for trainees to around ₹5.5–6 LPA for experienced callers with denial management skills.
What are the shift timings for AR Callers?
AR Callers work US shifts, usually starting around 5:30 pm IST and running into the early morning. Many roles offer fixed Saturday and Sunday off.
In which cities are AR Caller jobs available?
Career Guideline hires AR Callers across India, including Mumbai, Navi Mumbai, Thane, Pune, Chennai, Hyderabad, Bengaluru, Kochi and Coimbatore.