Auto Loan Collections Specialist Bilingual Spanish

About the Role

Auto Collections Specialist is responsible for managing and collecting on delinquent auto finance accounts. This role involves contacting customers to resolve overdue payments, negotiating repayment plans, and providing exceptional customer service. The ideal candidate will possess excellent communication skills, a strong attention to detail, and the ability to work in a fast‑paced environment. Complete and support additional tasks as business needs call for.

Training

Schedule:

Monday – Friday 8:00 a.m. – 5:00 p.m. (4 to 5 weeks on‑site training)

Location: Downtown Phoenix, AZ (on‑site only)

• Monitor assigned accounts to identify outstanding debts.
• Review and analyze customer payment histories and current account status.
• Maintain accurate and up‑to‑date records of all collection activities and customer interactions.
• Initiate and handle inbound and outbound collection calls in a professional manner.
• Utilize multiple communication channels, including phone, email, and mail, to contact customers regarding delinquent accounts.
• Provide information to customers about their account status, payment options, and the consequences of non‑payment.
• Negotiate repayment plans and payment schedules that are feasible for customers and acceptable to the company.
• Assist customers in resolving disputes and providing solutions to prevent further delinquencies.
• Collaborate with the collections team to develop strategies for difficult or complex accounts.
• Ensure all collection activities comply with federal, state, and local regulations, including the Fair Debt Collection Practices Act (FDCPA).
• Prepare and submit regular reports on the status of delinquent accounts and collection activities. Keep up to date with changes in collection laws and best practices.

• High school diploma or equivalent required;
  Associate’s or Bachelor’s degree in Finance, Business, or related field preferred.
• Proven experience in collections, preferably in auto finance or a related industry.
• Strong negotiation, communication, and interpersonal skills.
• Proficient in Microsoft Office Suite and collections management software.
• Knowledge of federal and state laws governing debt collection practices.
• Ability to handle stressful situations and difficult conversations with customers.
• High level of integrity and confidentiality.
• Excellent organizational and time management skills.

• Great open office space
• Paid time off (PTO)
• 401(k) matching
• Conveniently located in the downtown Phoenix heart close to light rail and public transportation
• Paid parking or platinum pass
• New hire training program
• Wellness incentive program
• Kitchen fully stocked with snacks and beverages

For California residents: Upgrade’s California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.