Debt Collector

The ideal candidate has experience in commercial collections, MCA servicing, small business collections, or high-volume B2B recovery environments. Candidates must be comfortable handling difficult conversations, negotiating payment solutions, and working in a fast-paced, metrics-driven environment.

Key Responsibilities

Collections & Account Management

• Manage a portfolio of delinquent MCA and commercial funding accounts
• Conduct high-volume outbound collection calls and email outreach
• Contact business owners regarding past-due balances and payment obligations
• Negotiate payment arrangements, settlements, and workout plans
• Monitor payment activity and follow up on broken payment commitments
• Maintain accurate and detailed collection notes within CRM and servicing systems

Client & Vendor Coordination

• Communicate with funding companies regarding account status and recovery efforts
• Coordinate with legal teams, attorneys, processors, and ACH providers when necessary
• Submit accounts for escalation, litigation review, or judgment enforcement as appropriate
• Work with brokers and merchants to resolve disputes and payment interruptions

Compliance & Documentation

• Follow all company policies and applicable commercial collections regulations
• Ensure proper documentation of all account activity and communication
• Maintain confidentiality and professionalism in all merchant interactions
• Support audit and reporting requests from management or clients

Reporting & Performance

• Meet or exceed collection targets, call volume expectations, and recovery goals
• Prepare account status updates and recovery reports
• Identify trends related to defaults, chargebacks, or payment failures
• Assist management with process improvement recommendations

Qualifications

• 1+ years of collections experience required
• MCA, commercial collections, B2B collections, or small business lending experience strongly preferred
• Strong negotiation and conflict-resolution skills
• Ability to manage difficult conversations professionally and confidently
• Experience working in high-volume outbound call environments
• Strong written and verbal communication skills
• Detail-oriented with strong organizational and follow-up abilities