Collections Specialist

Commas is the full-stack growth platform for digital businesses. Whether someone is just getting started or building toward their next million dollars, we give them the infrastructure to do it — payments, checkout funnels, community, courses, affiliate systems, analytics, and everything in between, all in one platform.

We're one of the fastest-growing future-of-work companies in Miami, processing billions in volume through our platform. The team moves fast, ships constantly, and is obsessed with helping people earn from what they already know. If you want to help make this market more accessible, this is the place.

We're seeking a Collections Specialist to join our team and take ownership of recovering outstanding balances owed to Commas while maintaining professional, productive relationships with our sellers and business partners.

This role will be responsible for managing accounts throughout the collections lifecycle — identifying past-due balances, contacting account holders, establishing repayment arrangements, documenting collection activity, monitoring payment commitments, and escalating accounts when necessary.

You'll work closely with our Risk, Finance, Legal, Customer Success, and Operations teams to understand account histories, resolve balance discrepancies, recover outstanding funds, and reduce the company's overall financial exposure.

This is a highly organized and communication-driven role for someone who is persistent, comfortable having difficult financial conversations, and capable of balancing urgency with professionalism. The right person knows how to drive repayment without unnecessarily damaging valuable business relationships.

• Manage a portfolio of accounts with outstanding balances owed to Commas and take ownership of those accounts throughout the collections lifecycle
• Contact sellers, merchants, customers, or other responsible parties through phone, email, and other approved communication channels to resolve outstanding balances
• Conduct consistent follow-up on past-due accounts and maintain clear communication until balances are resolved
• Negotiate repayment arrangements and payment plans within established company guidelines
• Monitor repayment commitments and proactively follow up on missed or late payments
• Maintain accurate and detailed records of all collection activity, communications, commitments, and account statuses
• Prioritize accounts based on balance size, aging, likelihood of recovery, risk exposure, and other relevant factors
• Identify accounts requiring additional escalation and coordinate next steps with leadership, Risk, Finance, or Legal
• Maintain a professional and solutions-oriented approach while handling difficult or sensitive collection conversations

• Review account histories, transaction activity, payment records, disputes, chargebacks, refunds, reserves, and other relevant information to understand how outstanding balances originated
• Investigate discrepancies or disputes raised by account holders and work internally to validate amounts owed
• Gather supporting documentation and account information necessary to substantiate outstanding balances
• Identify recurring reasons for negative balances, non-payment, or delayed repayment and elevate trends to the appropriate teams
• Work with internal stakeholders to resolve account issues that may be preventing successful collection
• Recognize higher-risk situations, potential fraud, intentional non-payment, or other concerning activity and elevate appropriately
• Assist in preparing accounts for external collections or legal escalation when internal collection efforts have been exhausted

• Tra…