California Remote Collections Specialist

About the role

Turn Your Potential into Opportunity. SAFCO is seeking a motivated, customer-focused professional to join our team as a remote Collections Specialist serving customers in California. You will work directly with customers who have fallen behind on their automobile loan payments. By listening to their circumstances, explaining available options, and negotiating workable solutions, you will help customers move forward while protecting the interests of the Company.

Responsibilities

• Communicate with customers regarding past-due automobile loan payments through outbound dialer campaigns, manual calls, and incoming calls.
• Listen carefully to understand the circumstances contributing to a customer’s delinquency.
• Negotiate practical payment arrangements while maintaining professional customer relationships.
• Explain payment obligations, available options, and the importance of rebuilding credit clearly and respectfully.
• Accurately document customer conversations, payment arrangements, and account activity.
• Perform basic skip tracing and obtain updated customer contact information.
• Manage assigned accounts and follow-up commitments consistently.
• Protect confidential customer and account information.
• Follow applicable federal and California collection laws, Company policies, and quality standards.
• Participate in virtual training, coaching, meetings, and professional-development activities.

Requirements

• Must reside and perform work in the state of California.
• Maintain a private, professional workspace suitable for confidential customer conversations.
• Have reliable high-speed internet and consistent availability throughout your scheduled shift.
• SAFCO will provide approved equipment and reimburse necessary business expenses in accordance with Company policy and applicable California law.

Qualifications

• Previous collections, call‑center, customer service, sales, banking, or financial‑services experience is helpful.
• SAFCO is prepared to train candidates who demonstrate strong communication skills, sound judgment, resilience, and a desire to succeed.
• Bilingual ability in English/Spanish is helpful but not required.

Skills

• Strong verbal communication and active‑listening skills.
• Confidence handling challenging or sensitive conversations.
• Sound judgment, persistence, and practical problem‑solving ability.
• Ability to negotiate solutions and gain customer commitment.
• Strong organization, documentation, and follow‑through.
• Comfort working independently in a structured, goal‑oriented remote environment.
• Computer proficiency and the ability to learn new systems.
• Coachability and a willingness to apply feedback.

Benefits

• Comprehensive initial and ongoing training.
• Supportive coaching and career‑development opportunities.
• Medical, dental, and vision coverage.
• Company‑paid and voluntary life and disability insurance.
• A 401(k) retirement savings plan.
• Paid time off and paid holidays.
• Employee wellness, recognition, and community‑involvement programs.

Pay

The hourly pay range for this position is $21.00–$25.00 per hour, plus incentive opportunity. Starting pay will be based on relevant experience, skills, qualifications, and other lawful considerations. The position may also be eligible for performance‑based incentive compensation under SAFCO’s applicable incentive plan.

Schedule

This position requires flexibility to work the following Pacific Time schedules: 8:30 a.m.–5:30 p.m. on regular daytime shifts; 12:00 p.m.–9:00 p.m. at least two weekdays each week; every third Saturday, with another day off during the applicable workweek. Schedules include an unpaid meal period and paid rest periods in accordance with California law. The specific schedule may vary based on business needs and will be provided in advance.