Collections specialist Jobs in Rochester, NY

Commercial Collector

Bounce AI is a fintech startup transforming how businesses recover outstanding receivables, leveraging machine learning, automation, and deep personalization tailored to each account's financial situation.

For creditors, we:

• Transform how they transact, giving creditors control over liquidity and risk.
• Empower business debtors with a seamless, professional collections experience to maximize recoveries while preserving the business relationship.
• Utilize a highly optimized workflow, from first contact to resolution; our platform evolves based on real interactions and continuously incoming data feeds.
• Reduce legal and operational risk with automated compliance designed by experts and enforced by code.
• Unlock account insights by exploring new data sources.

For business debtors, we:

• Provide convenient, flexible ways to resolve outstanding balances, with representatives available via phone, email, or chat.
• Offer a professional, discreet, and compliant process focused on reaching fair resolution.
• Provide structured repayment terms or custom arrangements tailored to the business's cash flow.

About Us

We are looking for a Commercial Collector who can negotiate directly with business owners, controllers, and accounts payable contacts to resolve past-due commercial accounts while maintaining professionalism and protecting the underlying business relationship. The successful candidate will own the full resolution process for their assigned portfolio, using sound judgment, financial acumen, and negotiation skill to recover outstanding balances.

How You'll Spend Your Time

• Manage inbound and outbound communication with business owners, principals, and accounts payable/finance contacts via phone, email, and written correspondence.
• Review account documentation invoices, contracts, personal guarantees, aging reports to build an accurate picture of each commercial account.
• Negotiate repayment plans, settlements, or structured terms appropriate to the size and complexity of each commercial account.
• Skip-trace and verify authorized signers or guarantors on business accounts as needed.
• Meet key performance indicators (recovery rate, contact rate, resolution timelines) as outlined by management.
• Adhere to compliance standards, including FDCPA (where applicable to personal guarantors), UCC, and state commercial collection regulations.
• Escalate accounts appropriately for legal placement, dispute review, or bankruptcy handling.
• Attend ongoing training on commercial credit terms, negotiation tactics, and industry-specific practices.

Requirements

• Previous experience in commercial/B2B collections, credit and collections, or commercial lending preferred.
• Strong understanding of business financials, cash flow constraints, and commercial credit terms.
• Excellent verbal and written communication skills, with the ability to negotiate confidently with business owners and finance professionals.
• High attention to detail and strong critical thinking for reviewing account documentation and structuring resolution plans.
• Skilled at negotiation and conflict resolution, particularly with sophisticated or high-value counterparties.
• Comfortable working in a fast-paced, evolving environment.

What We Offer

A successful Commercial Collector combines the tenacity and structure of traditional collections work with the business fluency of someone who can speak credibly to a business owner or CFO about cash flow, terms, and risk. They balance firmness with professionalism, understanding that today's debtor may be tomorrow's customer.

Current Available Full Time Shifts:

MF 8:30am to 5:00pm

Paid Training Program:

2-week, full-time training program

Office Location:

This is an in-office role

Pay:

$22-$26 hourly

Benefits:

• Full medical, dental, and vision
• 401k with contribution matching up to 5%
• 12 days of accrued PTO
• 11 paid holidays

Bounce is an equal-opportunity employer that is dedicated to diversity and inclusion. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.