MCA Collections Specialist

We are looking for an experienced MCA Collections Specialist to join our team. The ideal candidate has hands-on experience collecting on Merchant Cash Advances (MCAs) and understands how to work with merchants who have fallen behind or stopped making payments. This is a high-activity collections position requiring strong communication skills, persistence, and a solid understanding of MCA collections and UCC filings. Responsibilities Contact merchants by phone, SMS, and email regarding delinquent MCA paymentsMake high-volume cold calls to merchants who have stopped or fallen behind on paymentsWork directly with merchants to understand their situation and negotiate payment arrangements to bring accounts currentFollow up consistently with merchants who make promises to payUnderstand and work with UCC filings and the collections processSend appropriate UCC-related notices and communications in accordance with company procedures and applicable lawLocate and communicate with merchants who are difficult to reachNegotiate settlements, repayment plans, and payment reinstatement arrangements within company guidelinesMaintain detailed records of merchant communications, payment commitments, and account activityWork closely with management and legal/operations teams on escalated accountsIdentify merchants who can be successfully brought back onto regular payments and prioritize accounts accordingly Requirements 1+ years of MCA collections experience preferredTo Apply: Please submit your resume and a brief description of your MCA collections experience, including the types of accounts you have handled and your experience getting merchants back onto paymentsMust have a strong understanding of Merchant Cash Advances, UCC filings, defaults, and payment collectionsProven experience cold calling merchants and successfully getting delinquent accounts back on paymentStrong negotiation and objection-handling skillsComfortable making a high volume of calls every dayExperience communicating through phone, SMS, and emailPersistent, confident, and professional when dealing with difficult merchantsAbility to work independently and manage a large portfolio of accountsStrong organizational and follow-up skillsExperience with a CRM, dialer, or collections management system is a plus Benefits Competitive base salary + performance-based bonuses/commissions.