We are looking for a highly organized and proactive Collections Specialist to oversee and resolve delinquent accounts across multiple aging stages (1–120+ days), including specialized queues such as First Payment, Defaults, Write-Offs, Legal, and Bankruptcy. This role requires strong communication, analytical thinking, and negotiation skills to drive timely recovery while preserving positive customer relationships.
Key Responsibilities
Manage a portfolio of accounts from early-stage delinquency through legal and bankruptcy proceedings. Execute daily collection efforts via phone calls, emails, text messages, and formal correspondence. Maintain structured follow-up processes to ensure customer commitments and payment arrangements are fulfilled. Partner cross-functionally with Customer Service, Product, Billing, and Legal teams to resolve payment issues and disputes. Prepare weekly aging forecasts and progress reports by delinquency bucket. Analyze accounts receivable aging and identify trends related to non-payment or risk. Establish and manage payment plans, process payments, and assess eligibility for extensions or accommodations. Perform skip tracing and assign field investigations for accounts with limited or outdated contact information. Investigate, document, and resolve collection-related disputes promptly and accurately. Prepare and submit accounts for litigation in coordination with the legal team. Manage relationships with third-party collection agencies and track performance and feedback. Negotiate settlements, obtain project updates, and collect required documentation to close outstanding balances. Minimum Qualifications
Experience:
At least 3 years of experience in collections, with hands‑on management of aging and defaulted accounts. Preferred Skills and Attributes
Customer-focused with a solution‑oriented mindset Able to remain professional and composed in difficult conversations Highly organized, analytical, and results‑driven
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Manage a portfolio of accounts from early-stage delinquency through legal and bankruptcy proceedings. Execute daily collection efforts via phone calls, emails, text messages, and formal correspondence. Maintain structured follow-up processes to ensure customer commitments and payment arrangements are fulfilled. Partner cross-functionally with Customer Service, Product, Billing, and Legal teams to resolve payment issues and disputes. Prepare weekly aging forecasts and progress reports by delinquency bucket. Analyze accounts receivable aging and identify trends related to non-payment or risk. Establish and manage payment plans, process payments, and assess eligibility for extensions or accommodations. Perform skip tracing and assign field investigations for accounts with limited or outdated contact information. Investigate, document, and resolve collection-related disputes promptly and accurately. Prepare and submit accounts for litigation in coordination with the legal team. Manage relationships with third-party collection agencies and track performance and feedback. Negotiate settlements, obtain project updates, and collect required documentation to close outstanding balances. Minimum Qualifications
Experience:
At least 3 years of experience in collections, with hands‑on management of aging and defaulted accounts. Preferred Skills and Attributes
Customer-focused with a solution‑oriented mindset Able to remain professional and composed in difficult conversations Highly organized, analytical, and results‑driven
#J-18808-Ljbffr