Late Stage Collector

We’re looking for a driven and detail-oriented Late-Stage Collections Specialist to support a local client in managing high-risk accounts. If you have a strong background in account recovery and resolution, and thrive in a fast-paced environment where customer service and compliance are key, we’d love to hear from you.

Key Responsibilities :

Oversee a portfolio of delinquent accounts approaching charge-off, prioritizing recovery efforts.

Initiate contact with customers via phone, email, and written communication to negotiate settlements or structured repayment plans.

Analyze account histories to determine optimal resolution strategies.

Clearly explain account status, terms, and available options in a professional and empathetic manner.

Collaborate with legal and recovery teams to escalate accounts when necessary.

Maintain accurate records of customer interactions, agreements, and outcomes.

Ensure all collection activities comply with company policies and industry regulations, including FDCPA.

Recommend strategies to improve recovery rates and reduce charge-offs.

Partner with internal departments to streamline account resolution processes.

Qualifications :

Proven experience in collections, particularly with late-stage or high-risk accounts.

Solid understanding of collections laws and compliance standards (e.g., FDCPA).

Strong negotiation and conflict resolution skills with a customer-focused approach.

Excellent communication skills—both verbal and written.

Proficiency in collections software or CRM platforms.

High attention to detail and ability to manage multiple priorities effectively.

High school diploma or equivalent required; additional education or certifications in finance or collections are a plus.