General Summary: The Collector is responsible for contacting consumers in order to negotiate pay arrangements on aged or high balance debt, while following federal, state, and client collection guidelines and laws. 

Essential Duties and Responsibilities:

· Adheres to all FDCPA, FCRA and applicable laws 

· Represents company with professional and ethical work standards consistent with the mission of the company 

· Utilize various skip tracing techniques to locate right parties in order to negotiate payment arrangements 

· Negotiate payment terms and methods when right party is reached. The negotiation process often requires reviewing the account information in database, and/or asking probing questions of the consumer in order to better understand potential objections to payment. 

· Overcome stalls and objections and suggest money sources for debt payment. 

· Leave messages with consumers informing them of contact points via a mandated script 

· Execute verbal skip tracing procedures when non-right party is reached. This includes asking for home address, home telephone number, and place of employment. 

· Utilize the scripted opening when the right party is reached. This includes identifying the consumer, identifying company, and asking for payment on the account. 

· Update the customer record with new information, record the call result or disposition; as well as any relevant notes about the call via the menu or narrative section of the system 

· Utilize payment options (credit cards, checks, etc.) and secure information so that administrative services can process 

· Negotiate settlements when permitted by client. Negotiate payment arrangements based on income and circumstances 

· May advise management regarding collection strategy effectiveness for various portfolios 

Other Required Duties and Responsibilities:

· Performs other duties as assigned 

Education Requirements: 

· A high school diploma and two to six months relevant experience is preferred. 

· Previous experience in customer service, sales, collections, or a related role is preferred. 

· Ability to communicate clearly and succinctly, utilizing proper grammar and telephone etiquette is preferred. 

· Prior PC and keyboard knowledge is preferred. 

· Ability to compute basic math calculations using addition, subtraction, multiplication, division, and percentages is preferred.