MCA Collections Specialist

We are looking for an experienced
MCA Collections Specialist
to join our team. The ideal candidate has hands-on experience collecting on
Merchant Cash Advances (MCAs)and understands how to work with merchants who have fallen behind or stopped making payments.

This is a
high-activity collections position
requiring strong communication skills, persistence, and a solid understanding of MCA collections and UCC filings.

• Contact merchants by
  phone, SMS, and email
  regarding delinquent MCA payments.
• Make high-volume
  cold calls
  to merchants who have stopped or fallen behind on payments.
• Work directly with merchants to understand their situation and negotiate
  payment arrangements
  to bring accounts current.
• Follow up consistently with merchants who make promises to pay.
• Understand and work with
  UCC filings
  and the collections process.
• Send appropriate
  UCC-related notices and communications
  in accordance with company procedures and applicable law.
• Locate and communicate with merchants who are difficult to reach.
• Negotiate settlements, repayment plans, and payment reinstatement arrangements within company guidelines.
• Maintain detailed records of merchant communications, payment commitments, and account activity.
• Work closely with management and legal/operations teams on escalated accounts.
• Identify merchants who can be successfully brought
  back onto regular payments
  and prioritize accounts accordingly.

• 1+ years of MCA collections experience preferred.

• Must have a strong understanding of
  Merchant Cash Advances, UCC filings, defaults, and payment collections.
• Proven experience
  cold calling merchants
  and successfully getting delinquent accounts back on payment.
• Strong negotiation and objection-handling skills.
• Comfortable making a high volume of calls every day.
• Experience communicating through
  phone, SMS, and email
  .
• Persistent, confident, and professional when dealing with difficult merchants.
• Ability to work independently and manage a large portfolio of accounts.
• Strong organizational and follow-up skills.
• Experience with a CRM, dialer, or collections management system is a plus.

Competitive base salary + performance-based bonuses/commissions.

Compensation will be based on experience and collections performance.