Experienced Debt Collector Senior Collections Specialist Call Cent

Experienced Debt Collector | Senior Collections Specialist | Call Center Collections (Remote) Live Oak Financial, Inc. Full-Time | Remote / Hybrid | Consumer & Commercial Collections | Financial Services Job Description

Live Oak Financial, Inc. is actively hiring Experienced Debt Collectors / Senior Collections Specialists to support our expanding national collections platform. This role is designed for seasoned collectors with a proven track record of recovery in consumer and/or commercial collections who can operate independently in a compliance-driven, KPI-based environment.

This is not an entry-level position. Prior collections experience is required.

• Handle high-volume outbound and inbound collection calls
• Recover past-due balances through payment negotiation, settlements, and payment plans
• Achieve performance targets for right-party contact, liquidation, and new money
• Work assigned account inventories efficiently and strategically
• Document all activity accurately within collections software / CRM systems
• Maintain strict compliance with FDCPA, Regulation F, TCPA, and FCRA
• Follow call scripts, disclosures, and quality assurance standards
• Escalate disputes, fraud claims, and complaints per compliance procedure
• Accept payments through approved payment processing tools
• Maintain professional, respectful, and compliant communication at all times

• 2+ years of experience as a debt collector, collections specialist, or collection agent
• Experience in consumer collections, commercial collections, or call center collections
• Strong working knowledge of FDCPA, Reg F, TCPA, and call compliance
• Proven success in dialer-based, high-volume collections environments
• Strong negotiation, objection-handling, and payment-closing skills
• Ability to manage accounts independently and consistently hit KPIs
• Experience working in remote collections or call center environments
• Familiarity with collections software, dialers, and CRM platforms

• Financial services, utility, medical, telecom, or BPO collections
• Skip tracing and account research
• Credit reporting and dispute handling
• Settlement authority and payment plan structuring

• Competitive hourly base pay
• Uncapped commission / performance incentives
• Paid compliance and systems training
• Stable, full-time position with consistent account flow
• Advancement opportunities into Senior Collector, Lead, QA, or Supervisor roles

• Remote or hybrid collections role
• Structured schedules and defined performance metrics
• Compliance-first culture with QA and leadership support
• Executive-led organization with modern systems

• Growing national financial services organization
• Strong compliance, QA, and operational support
• Clear expectations and merit-based advancement
• Long-term stability and scalable platform

Live Oak Financial, Inc. is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, disability, veteran status, or any other protected classification.