Collections Specialist

Department: Operations |
Classification: Full-Time |
Location: Remote / Atlanta, GA |
Effective: May 2026

Reports To: Operations Manager |
Bonus Plan: Eligible |
Benefits: Eligible

Microf is a subprime lease-to-own lender specializing in HVAC and other home improvement solutions, working with contractors across the country. We offer financing solutions to consumers and partner closely with contractors to ensure access to critical systems.

The Collections Specialist is responsible for serving the customer base for Microf by providing outstanding customer service on both incoming and outbound calls. The ideal candidate has a strong customer service orientation, assists customers with inquiries and requests, and ensures a positive experience. This role successfully manages monthly renewals of customer accounts by securing payment arrangements and maintaining accurate account records.

The position is primarily remote, with occasional visits to the Atlanta office upon request.

• Establish open lines of communication with account contacts and references for accounts in non-renewal status.
• Provide excellent customer service and first-call resolution to all accounts, both current and delinquent.
• Maximize collection of monthly RPA renewal payments by securing valid payment arrangements from customers in non-renewal status.
• Document all correspondence with customers in the company’s CRM software and update client information to ensure database accuracy.
• Participate in monthly team meetings to provide status updates on account management.
• Contact all non-renewed customers in effort to bring accounts current and/or collect payment.
• Contact all newly assigned accounts within one business day.
• Consistently meet outbound call requirements, EVPH metrics, and all other KPIs.
• Skip trace accounts as applicable.
• All other duties as assigned.

• Minimum 1–3 years of collections and/or customer service experience preferred.
• Understanding of billing and collections procedures preferred.
• Strong attention to detail with the ability to complete duties with a high degree of accuracy.
• High level of interpersonal skills, including the ability to respond calmly and make rational decisions in stressful situations.
• Strong written and verbal communication skills required.
• Proficiency with Microsoft Word, Outlook, and Excel.
• Flexibility in work schedule when required, including nights and weekends.
• Ability to work collaboratively with peers and leadership.

This position is eligible for a monthly bonus
. Bonus potential and performance standards are set by the Employer and may be adjusted or removed at any time.

• Medical & Supplemental Insurance — Eligible on the 1st of the month following 60 days of service.
• Paid Holidays — 9 paid holidays per year.
• Paid Time Off — 15 days PTO annually after 90 days of employment, prorated based on hire date.
• 401(k) Plan — Eligible after one year of service.

Performance benchmarks shall be set regularly by the Operations Manager.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee may occasionally be required to stand, walk, sit, use hands, reach, climb stairs, stoop, kneel, talk, or hear, and may occasionally lift and/or move up to 25 pounds.

Microf LLC is an equal opportunity employer and does not discriminate on the basis of age, race, disability, gender, national origin, religion, sexual orientation, veteran status, or any other classification protected by federal, state, or local law. This job description is not a contract and job functions are subject to change at the company’s discretion with or without notice.