Auto Loans Collections Specialist

About the Role:

As an Auto Collections Specialist you will be responsible for managing and resolving mid-stage delinquent auto loan accounts that are for 60-89 days past due; through effective customer engagement, negotiation, and loss-mitigation strategies. This role focuses on curing delinquency, preventing charge-off and repossession, and maintaining strong compliance with all federal, state, and company regulations. Requires strong negotiation skills, critical thinking, urgency, and the ability to build rapport while driving results in a fast-paced, performance-driven environment.

Starting Pay: $22.00/Hour

What You'll Do:

• Manage a daily queue of auto loan accounts that are 60-89 days past due.
• Contact customers via outbound and inbound calls to resolve delinquency.
• Negotiate payment arrangements, settlements, and reinstatement options.
• Identify root causes of delinquency and recommend appropriate loss-mitigation solutions.
• Educate customers on account status, contract terms, and available resolution options.
• Drive timely payments and account cures to reduce delinquency and prevent repossession.
• Accurately document all account activity, call notes, and customer commitments.
• Maintain full compliance with FDCPA, CFPB, state regulations, and company policies.
• Meet or exceed daily, weekly, and monthly performance goals (RPC, PTP, dollars collected, cure rate, etc.).
• Escalate high-risk or complex accounts appropriately (hardship, fraud indicators, disputes, complaints, etc.).
• Partner with servicing, titles, insurance, and repossession teams as needed.

What We Look For:

• 1+ years of collections experience (auto finance preferred)
• Experience working delinquent accounts in the 60+ DPD range
• Strong negotiation and customer communication skills
• Ability to handle difficult conversations professionally and confidently
• Working knowledge of FDCPA and consumer protection regulations
• Strong time management and organizational skills
• Ability to thrive in a fast-paced, metrics-driven environment
• Proficiency with CRM and collection systems
• Bilingual (Spanish) required

Nice to Have:

• Auto finance or secured lending collections experience
• Experience with repossession prevention and reinstatement
• Familiarity with skip tracing and advanced contact strategies

What We Offer You:

• Great open office space
• Paid time off (PTO)
• 401K matching
• Medical, dental and vision insurance with employer paid options
• Conveniently located in the heart of Downtown Phoenix close to light rail and public transportation
• Paid parking or platinum pass
• New Hire Training Program
• Wellness Incentive Program
• Kitchen fully stocked with snacks and beverage

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