Collections Representative

Collections Specialist

Schedule:

Monday
- Friday, 9:00 AM - 6:00 PM

Training

Schedule:

8:00 AM - 4:30 PM

Work Arrangement:
On-site during training, then Hybrid (2-3 days on-site, remaining days remote based on performance)

Overtime:
Available but not required

Are you a motivated collections professional who thrives on problem-solving, negotiation, and driving results? We are seeking an experienced Collections Specialist to join a growing team focused on recovering outstanding balances while providing exceptional customer service.

This is a contract-to-hire opportunity for candidates seeking long-term career growth within a stable and expanding organization.

Position Overview As a Collections Specialist, you will manage a high-volume portfolio of business accounts, proactively contacting customers to collect outstanding balances, negotiate settlements, and resolve payment issues. The ideal candidate is resilient, self-motivated, and comfortable navigating challenging conversations while maintaining professionalism.

• Make an average of 80+ outbound collection calls daily to recover past-due balances.
• Manage a portfolio of approximately 200 to 600 accounts per week.
• Handle inbound calls generated from collection email campaigns.
• Contact customers via phone and email regarding outstanding balances.
• Negotiate payment arrangements and settle accounts when appropriate.
• Document customer interactions and account activity within the CRM system and spreadsheets.
• Conduct account research and investigations to identify payment solutions.
• Generate and submit daily activity and collection reports.
• Maintain compliance with company policies and collection regulations.
• Perform additional duties as assigned by management.

• Minimum 2-3 years of First-Party Collections experience with a strong emphasis on outbound calling.
• Working knowledge of collection laws and regulations, including the FDCPA and its purpose.
• Strong negotiation, investigation, and problem-solving skills.
• Excellent verbal and written communication skills.
• Ability to persuade customers and successfully collect balances over the phone.
• Strong listening skills and the ability to navigate difficult conversations professionally.
• Highly self-motivated with the ability to work independently in a remote environment.
• Strong multitasking and organizational abilities.
• Ability to hardwire internet equipment when working remotely.

• Merchant services collections experience
• Business-to-business (B2B) collections experience
• Sales or negotiation experience
• Experience using Google Workspace (Google Docs, Sheets, Gmail, etc.)

• Fully on-site for the first 1-2 months of training.
• Upon successful completion of training and achievement of attendance, quality, and performance expectations, employees may transition to a hybrid schedule:
• 2-3 days on-site
• Remaining days remote
• Candidates must be flexible to work the training schedule and rotating shifts during onboarding.

• Senior Collector
• Trainer
• Supervisor
• Manager
• Risk Department opportunities

• Comprehensive benefits package
• Generous PTO and holiday schedule
• Flexible work environment
• On-site cafeteria
• $500 annual wellness allowance that can be used toward:
  • Gym memberships
  • Therapy
  • Wellness programs
  • Spa services
  • Other health and mental well-being expenses

• In addition to base compensation, employees may qualify for a lucrative incentive program:
• Collection Performance Bonus
• Eligibility begins after collecting at least $30,000
• Three-tier commission and bonus structure
• Top performers regularly earn $2,000 - $3,000+ per month
• Top 5% of performers may earn up to $10,000+ per month in additional incentives
• Quality Bonus
• Based on audited calls and performance reviews
• Earn $150 - $300 per month
• Team Goal Bonus
• Additional $150 - $300 per month when team performance goals are achieved

We're looking for someone who is confident, driven, and persistent. The successful candidate enjoys overcoming objections, solving problems, and helping customers resolve outstanding balances while maintaining professionalism and compliance.

This is a Contract to Hire position based out of Troy, MI.

The pay range for this position is $19.00 - $19.00/hr.

• Medical, dental & vision
• Critical Illness, Accident, and Hospital
• 401(k) Retirement Plan
  - Pre-tax and Roth post-tax contributions available
• Life Insurance (Voluntary Life & AD&D for the employee and dependents)
• Short and long-term disability
• Health Spending Account (HSA)
• Transportation benefits
• Employee Assistance Program
• Time…