Collections Specialist

We are looking for a highly organized and proactive Collections Specialist to oversee and resolve delinquent accounts across multiple aging stages (1–120+ days), including specialized queues such as First Payment, Defaults, Write-Offs, Legal, and Bankruptcy. This role requires strong communication, analytical thinking, and negotiation skills to drive timely recovery while preserving positive customer relationships.

• Manage a portfolio of accounts from early-stage delinquency through legal and bankruptcy proceedings.
• Execute daily collection efforts via phone calls, emails, text messages, and formal correspondence.
• Maintain structured follow-up processes to ensure customer commitments and payment arrangements are fulfilled.
• Partner cross-functionally with Customer Service, Product, Billing, and Legal teams to resolve payment issues and disputes.
• Prepare weekly aging forecasts and progress reports by delinquency bucket.
• Analyze accounts receivable aging and identify trends related to non-payment or risk.
• Establish and manage payment plans, process payments, and assess eligibility for extensions or accommodations.
• Perform skip tracing and assign field investigations for accounts with limited or outdated contact information.
• Investigate, document, and resolve collection-related disputes promptly and accurately.
• Prepare and submit accounts for litigation in coordination with the legal team.
• Manage relationships with third-party collection agencies and track performance and feedback.
• Negotiate settlements, obtain project updates, and collect required documentation to close outstanding balances.

• Experience: At least 3 years of experience in collections, with hands‑on management of aging and defaulted accounts.

• Customer-focused with a solution‑oriented mindset
• Able to remain professional and composed in difficult conversations
• Highly organized, analytical, and results‑driven