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Title

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Debt Collector

Description

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We are looking for a Debt Collector to join our finance team and help manage the collection of outstanding debts owed to our organization. The ideal candidate will be responsible for contacting debtors, negotiating payment plans, and ensuring that overdue accounts are resolved in a timely and professional manner. This role requires excellent communication skills, persistence, and a strong understanding of debt collection laws and practices. As a Debt Collector, you will be expected to maintain accurate records of all communications and transactions with clients, follow up on payment commitments, and escalate unresolved cases when necessary. You will work closely with the accounting and legal departments to ensure compliance with internal policies and external regulations. Your ability to remain calm under pressure and handle sensitive situations with discretion will be key to your success in this role. The position also involves analyzing account histories, identifying patterns of delinquency, and recommending strategies for improving collection rates. You will be expected to meet monthly collection targets and contribute to the overall financial health of the organization. Training will be provided on company systems and procedures, but prior experience in collections or customer service is highly desirable. This is an excellent opportunity for someone looking to build a career in finance and accounting, with potential for growth into supervisory or specialized roles. If you are detail-oriented, goal-driven, and enjoy problem-solving, we encourage you to apply for this position.

Responsibilities

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  • Contact clients to collect outstanding debts via phone, email, or mail
  • Negotiate repayment plans and payment schedules
  • Maintain accurate records of all communications and transactions
  • Monitor accounts to identify outstanding debts
  • Follow up with clients on agreed payment plans
  • Escalate unresolved accounts to legal or management teams
  • Ensure compliance with debt collection laws and company policies
  • Prepare reports on collection activity and account status
  • Collaborate with accounting and legal departments
  • Meet monthly and quarterly collection targets

Requirements

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  • High school diploma or equivalent; associate degree preferred
  • Proven experience as a debt collector or in a similar role
  • Familiarity with relevant laws and regulations (e.g., FDCPA)
  • Excellent communication and negotiation skills
  • Strong organizational and time-management abilities
  • Ability to handle sensitive information with discretion
  • Proficiency in MS Office and collection software
  • Detail-oriented and goal-driven
  • Ability to work independently and as part of a team
  • Fluency in English; additional languages a plus

Potential interview questions

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  • Do you have prior experience in debt collection?
  • Are you familiar with the Fair Debt Collection Practices Act?
  • Can you describe a time you successfully negotiated a payment plan?
  • How do you handle difficult or uncooperative clients?
  • What collection software have you used in the past?
  • Are you comfortable working with monthly performance targets?
  • How do you ensure compliance with legal and company policies?
  • What strategies do you use to recover overdue payments?
  • Are you available to work flexible hours if needed?
  • Why are you interested in this position?