Debt Collection Specialist – Purchased Paper

Job Description:

• Conduct high-volume outbound calls
• Perform skip tracing to locate consumers
• Negotiate settlements and payment arrangements
• Manage the collection pipeline with timely follow-ups
• Connect with consumers and resolve delinquent purchased debt accounts
• Maintain full compliance with the FDCPA, FCRA, and applicable state regulations
• Deliver professional, solution-focused customer interactions
• Maximize account recovery

Requirements:

• Minimum 2 to 3 years of third-party collections experience
• At least 1 year specifically working purchased paper, dormant judgments, or salvage debt
• Proven track record of hitting target metrics in a work-from-home environment
• Familiarity with auto-dialers, CRM software, and standard skip-tracing platforms
• Must be able to accurately explain the Mini-Miranda
• Understanding of how to handle disputes
• Knowledge of how state-level SOL dictates what can and cannot be said regarding legal action
• Professional verbal communication skills
• Outstanding attendance and work ethic
• Strong ability to navigate multiple systems while speaking with customers
• Self-motivated
• Problem solving and critical thinking
• Proficient in time management
• Negotiation skills
• Goal oriented
• Computer knowledge/skills
• Good typing/keyboarding skills
• Ability and openness to work professionally with a diverse customer base
• Works well in a team setting
• A criminal background check is required
• Knowledge of personal loans and/or financial services is a strong plus

Benefits:

• Competitive base hourly rate
• Aggressive tiered commission structure
• Compliance bonuses
• Paid training
• Health insurance (Medical/Dental/Vision)
• HSA/FSA plans
• Paid Time Off package
• Optional Daily Pay
• EAP
• 401k after 90 days
• Health benefits effective on the first of the month following the hire date, or coincident with the hire date if hired on the first of the month