Collections Specialist

Job Summary

Managing mid- to late-stage delinquent consumer accounts, the remote Collections Specialist will resolve past-due balances through borrower communication, negotiate payment arrangements, and conduct skip tracing to support account rehabilitation.

Key responsibilities

• Manage delinquent accounts via phone, email, and SMS while adhering to policies and regulations
• Negotiate payment arrangements and resolution strategies to reduce delinquency and prevent charge-offs
• Conduct skip tracing to re-establish contact with borrowers and maintain accurate account documentation

Required qualifications

• Minimum of 2-3 years of consumer collections experience, preferably with personal loans or consumer debt
• Experience in financial services, fintech, banking, or regulated lending environments
• Working knowledge of collection-related regulations, including the FDCPA and Regulation F
• Demonstrated ability to manage sensitive borrower conversations with professionalism and empathy
• Strong documentation habits and attention to detail within servicing systems