Collections Specialist

Collections Specialist Job type: Full-time, hired as a contractor Job Schedule: Monday to Friday, regular working hours About the Client Our client is a growing financial services company providing a range of financial solutions to customers across the United States. The company is committed to delivering reliable services, maintaining professional customer relationships, and providing effective financial solutions. As the organization continues to expand, it is looking for motivated and skilled professionals to join its team and contribute to its ongoing success.

About the Role

We are seeking a motivated, detail-oriented, and results-driven Collections Specialist to join our client's growing team. In this role, you will be responsible for managing early-stage delinquent accounts, contacting borrowers to collect outstanding payments, negotiating payment arrangements, and maintaining accurate records of collection activities. The ideal candidate has experience in telephone-based collections or customer service, excellent communication and negotiation skills, and a solid understanding of collection procedures and applicable regulations. You should be comfortable handling a high volume of outbound calls, working toward monthly performance targets, and balancing professionalism, empathy, and assertiveness when communicating with borrowers. This is a fully remote position requiring strong English proficiency to communicate effectively and professionally with U.S.-based customers and internal stakeholders. Job Responsibilities Conduct a high volume of outbound calls to borrowers with early-stage delinquent accounts to collect outstanding payments and resolve past-due balances. Identify the reasons for non-payment and work with borrowers to establish payment arrangements and secure timely resolution of outstanding balances. Maintain accurate, detailed, and up-to-date records of collection activities, borrower communications, and payment commitments in the designated collection system. Ensure compliance with applicable federal and state collection laws, including the Fair Debt Collection Practices Act (FDCPA), as well as company policies and established procedures. Prepare and send Notices of Default (NODs) when required. Send letters and follow-up communications to customers with pending post-dated payments. Conduct skip tracing using available online resources to locate borrowers or obtain updated contact information when necessary. Process mortgage payments in accordance with established guidelines and internal procedures. Apply effective communication and negotiation strategies to resolve delinquent accounts while maintaining a professional, respectful, and customer-focused approach. Consistently meet or exceed monthly collection targets, productivity expectations, and other performance metrics. Coordinate with the Collections Supervisor, Collections Director, and relevant team members regarding account status, escalations, and collection strategies. Prioritize multiple accounts and tasks efficiently while meeting deadlines and adapting to changing business needs. Follow all company and departmental policies, procedures, and established best practices. Perform additional duties as assigned by the supervisor. Job Requirements Strong English proficiency , with excellent verbal and written communication skills. At least one year of experience in telephone-based customer service, collections, or a similar customer-facing role. Knowledge of billing and collection procedures, including an understanding of the FDCPA and applicable federal and state regulations. Excellent telephone communication and negotiation skills, with the ability to communicate confidently and professionally with customers. Ability to negotiate payment arrangements, address objections, demonstrate appropriate assertiveness, and work toward favorable collection outcomes. Strong analytical, problem-solving, and critical-thinking skills, with exceptional attention to detail. Solid computer skills and the ability to navigate collection systems, databases, and online research tools. Strong organizational and time-management skills, with the ability to manage a high volume of accounts and prioritize competing tasks. A goal-oriented mindset and the ability to consistently meet or exceed performance targets. Patience, resilience, and the ability to remain composed and professional during challenging or stressful conversations. Ability to maintain a professional image when interacting with customers, colleagues, and external stakeholders. Ability to work independently in a fully remote environment while maintaining productivity, accountability, and consistent communication with the team. Flexibility to adapt to changing business needs and scheduling requirements. A reliable remote-work setup and the ability to maintain regular attendance and communicate clearly by telephone throughout the workday.