Collections Representative

Position Summary

Responsible for the collection and resolution of delinquent auto loan/lease 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 Job 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.
• Uses 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.
• Maintain daily and weekly production goals (Calls and dollars collected).
• Compliance with all company policies and procedures.

  Qualifications and Competencies

  • Experience: Minimum 2 years customer facing related experience and/or 1 year collection-related experience.
  • Education: High school diploma/GED.
  • Reliable transportation and live within a commutable distance of one of the following cities: Atlanta, GA; Dallas, TX; Detroit, MI; Houston, TX; Phoenix, AZ.
  • Preferred: 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.

  Salary And Benefits

  • Pay Rate: $19–$24/hour, based on experience and skills.
  • Start Date: Our next onboarding class is scheduled to begin August 10, 2026.
  • Potential Bonus: Performance-based monthly bonus opportunities.
  • Supplemental Pay: Referral bonuses.
  • 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 Include: 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.