Collections Specialist

Position Summary

The Collections Account Manager is responsible for managing a portfolio of delinquent consumer accounts while maintaining professionalism, empathy, and compliance with all applicable federal and state regulations. This position works directly with consumers to resolve outstanding balances through payment arrangements, settlements, and account resolution while representing our clients with integrity and respect.

Successful candidates are excellent communicators, strong negotiators, detail-oriented, and motivated by achieving individual and team performance goals.

Essential Duties and Responsibilities

• Manage an assigned portfolio of delinquent accounts.
• Contact consumers by phone, text, email, and written correspondence to discuss outstanding balances.
• Negotiate payment arrangements and settlements that align with company and client guidelines.
• Document all account activity accurately and thoroughly in the collection management system.
• Review account information to determine the appropriate collection strategy.
• Maintain compliance with the Fair Debt Collection Practices Act (FDCPA), state regulations, and company policies.
• Respond professionally to consumer questions, disputes, and requests for documentation.
• Process payments and establish recurring payment plans.
• Meet or exceed established collection, quality, and productivity goals.
• Maintain confidentiality of consumer and client information.
• Stay current on company procedures, compliance requirements, and client-specific expectations.
• Assist consumers in finding practical solutions that fit their financial circumstances while maximizing recovery for clients.

Qualifications

• Previous collections, customer service, sales, or call center experience highly preferred.
• Strong verbal and written communication skills.
• Excellent negotiation and conflict resolution abilities.
• Comfortable working in a fast-paced, goal-oriented environment.
• Strong computer skills and the ability to learn collection software.
• Ability to multitask while speaking with consumers and documenting account activity.
• Professional demeanor with strong attention to detail.
• Ability to maintain confidentiality and exercise sound judgment.

Preferred Skills

• Knowledge of FDCPA, FCRA, and other applicable collection regulations.
• Experience with skip tracing, payment negotiations, and settlement discussions.
• Bilingual (Spanish) is a plus.
• Experience working with healthcare, financial, utility, or commercial collections.

Performance Expectations

Employees in this role are expected to:

• Meet monthly collection and recovery goals.
• Maintain high quality assurance and compliance scores.
• Accurately document all account activity.
• Demonstrate professionalism and respect in every consumer interaction.
• Provide excellent service to both consumers and clients.
• Contribute positively to the team environment and company culture.

What We Offer

• Competitive hourly wage plus performance incentives.
• Paid training.
• Paid time off and holidays.
• Retirement benefits (if applicable).
• Opportunities for advancement and professional development.
• Supportive team environment focused on ethical collections and exceptional client service.

* We do not currently offer health benefits *

Job Type: Full-time

Pay: $16.00 - $22.00 per hour

Work Location: In person

Salary : $16 - $22