Collection Representative
Position Summary
Responsible for the collection and resolution of delinquent auto loan accounts. Utilizes telephone, automated dialer, and written correspondence in a fast-paced goal-oriented collections department. Provides customer service regarding collection issues and available collection programs. Accountable for reducing delinquency for assigned accounts.
Essential Duties and Responsibilities
- Confers with customers by telephone in an attempt to collect current and past due payments, determines the reason for delinquency, and updates customer information.
- Confirms account holder by following safeguards procedures on every call.
- Documents conversations and arrangements accurately in the collection system.
- Adheres to collection standards of conduct policy on all accounts including third parties.
- Treats all contacts in a courteous and professional manner.
- Reviews customers' files and offers programs to qualified customers to minimize delinquency.
- Use established procedures to make effective use of extensions and due dates to changes to resolve delinquent accounts.
- Utilizes collection skip tools to locate accounts leading to resolution.
- Recommend accounts for repossession or legal action.
- Maintains delinquent rates at or below objectives.
- Meet daily and weekly production goals (Calls and dollars collected).
- Compliance with all company policies and procedures.
- This position involves regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth.
- All other duties assigned.
Qualifications
- Minimum 2 years of collection-related experience
- High School Diploma / GED
- Overtime required – required on an as needed basis
- Travel 0-10% – as required on an as needed basis
- Must have reliable transportation and live within a commutable distance to one of the following cities: Atlanta, GA; Dallas, TX; Detroit, MI; Houston, TX; Phoenix, AZ
Preferred Qualifications
- Moderate computer knowledge of MS Excel and MS Word software and keyboard skills including minimum accuracy requirements
- Ability to recognize problems, resolve or escalate as needed, including using a variety of talk-offs to convince the customer to make a payment
- Speak and listen effectively to customers via phone, and tolerate stressful interactions with customers
- Multi-task in a high energy standard office and/or home environment
- Knowledge of and compliance with the Fair Debt Collection Practices Act, local, state, and federal collection laws
Physical Demands
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.
Work Environment
The noise level in the work environment is usually moderate. This position requires the ability to work various shifts to accommodate business needs. Typically, between the hours of 8AM-6PM Monday through Friday and on weekends as needed. Travel is required 10% of the time.
Pay
- Pay Rate: $19–$24/hour, based on experience and skills
- Start Date: Our next onboarding class is scheduled to begin September 14th, 2026
- Potential Bonus: Performance-based monthly bonus opportunities
- Supplemental Pay: Referral bonuses
Schedule
- Flexibility: High-performing associates can create their own weekly work schedules
- Hybrid Work Arrangement: When not working remotely, enjoy office spaces with breathtaking views
- Dress Code: Comfortable, casual work environment
- Language Skills: Spanish-speaking skills are valued and rewarded, but not required
Benefits
- Retirement plan - 401(k) match
- Health insurance (medical, dental, vision, and prescription coverage) and savings/spending accounts
- Virtual office visits
- Employee Assistance and Wellness programs
- Company-provided life and disability insurance
- Supplemental insurance options (life, critical illness, auto, pet, identity theft, and legal services)
- Tuition reimbursement
- Paid time off (holidays, flexible vacation, and sick time)
- Vehicle discounts for loans or leases