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.
• Prioritization of tasks and multitasking 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.

Requirements

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

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
• Full Time Benefits