Post Charge Off - Repossession Specialist II

Position Summary

As a Post Charge Off - Repossession Specialist II, you will serve as a key liaison in the repossession process for delinquent accounts. This role involves working directly with borrowers to identify and implement recovery solutions, while coordinating with the replevins team when legal action is required. You will manage escalated cases and may provide guidance and support to junior team members. The position requires strong communication, problem-solving, and organizational skills to ensure efficient and compliant asset recovery.

Essential Duties And Responsibilities

• Assign charged-off accounts for repossession, including involuntary, voluntary, and abandoned units.
• Cook up with repossession vendors; update internal systems and notify relevant departments upon securing vehicles.
• Conduct preliminary skip tracing and maintain regular follow-ups with agents on account status.
• Monitor accounts for payments or arrangements; apply holds or initiate closures as needed.
• Forward unresolved cases to the skip department for further investigation.
• Support agent selection, fee negotiation, and verification of insurance and bond compliance.
• Ensure adherence to legal guidelines including RTC, SCL, SSCRA, and bankruptcy protections.
• Process reinstatements and redemptions, audit invoices, and assist with vehicle release procedures.
• Maintain strict confidentiality while handling sensitive consumer data, including Social Security numbers and birth dates.

Qualifications And Competencies

• Required Experience: 2+ years of experience in auto collections, with working knowledge of repossession regulations and policies. Call center background preferred for handling customer interactions and account resolution.
• Education: High School Diploma and/or GED.
• Skills Required: Strong communication, interpersonal, and customer service skills; effective cross-team collaboration. Skilled in organization, time management, and prioritization within fast-paced environments. Proficient in Microsoft Office; experienced with document management systems and compliance workflows. Solid analytical abilities with knowledge of captive finance, auctions, FDCPA, and collection laws; basic math proficiency for financial tasks.

Additional Requirements

• 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 (Hybrid).

Qualifications Preferred

• Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.
• Work Schedule: 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.

Qualifications

• Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.
• Work Schedule: 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.

Additional Requirements

• Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.
• Work Schedule: 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.