90-Day Collections Representative

What You’ll Do

• Contact customers with accounts more than 90 days past due to discuss payment options and resolve delinquencies.
• Use skip-tracing techniques to locate customers who are difficult to reach and identify collateral locations.
• Negotiate payment solutions tailored to each customer’s situation to help bring accounts current.
• Achieve monthly goals while maintaining quality, compliance, and professionalism.
• Collaborate with repossession agents to recover collateral when required.
• Reduce delinquency rates in your assigned queue through consistent follow-up and strategic communication.
• Handle a high volume of calls efficiently in a fast-paced, goal-oriented environment.

What We’re Looking For

• Strong skip-tracing knowledge and ability to locate customers or collateral effectively.
• Excellent communication and negotiation skills with professional phone etiquette.
• Flexible schedule – able to work overtime and weekends when needed.
• Proven ability to multitask and stay organized in a fast-paced, high-volume environment.
• Thorough understanding of state and federal collection laws, including the Fair Debt Collection Practices Act (FDCPA).
• Proficient computer and typing skills with familiarity in Microsoft Excel, Outlook, and web-based applications.
• Team-oriented mindset with a positive, dependable attitude.

Qualifications

• 3+ years of backend subprime collections experience required.
• Auto collections experience required.
• High school diploma or equivalent required.

Pay

Base Pay: $20.00 per hour plus bonus potential of up to $5,800 monthly based on individual and team performance.

Tiered Retention Bonus: Receive $500 upon completion of 3 months from the start date. An additional $500 upon completion of 6 months from the start date.

Incentive: If the department exceeds its goal, eligible agents in the bonus range will receive a "kicker" ranging from $100.00 to $750.00, based on goal achievement.

All agent incentive opportunities may vary monthly, and are not guaranteed, and are subject to change.

Benefits

• Medical, Dental, and Vision benefits
• Life Insurance, Flexible Spending Account
• 401K matching
• Employee Stock Ownership Program in a $14.2 Billion Company, plus company matching
• Wellness Program, Daily Team Exercises
• About Us: Westlake Financial is the largest privately held auto finance company in the United States with demonstrated growth year over year. We continue to expand our teams and diversify our business model. This leads to cementing us as a leader in the automotive lending industry. Westlake continues to grow its market share within the Auto Industry with assets in excess of 22B. We have business relationships in all 50 states, including Puerto Rico. We are looking to acquire talented individuals as we expand our market share.