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
• Westlake University, Certification Programs
• Career Path Opportunities
• Discounts on Parks, Museums, Movie Tickets, and Attractions
• AT&T Wireless Discounts
• Employee Loan Assistance
• Annual Flu Shots, Biometric Screenings
• Paid Vacations Days
• Paid Sick Days
• Paid Holidays
• Rental Car Discounts
• Dell Member Purchase Program
• UKG Wallet