Collections Call Center Representative

Job Description

We are seeking an experienced Collections Call Center Representative to support one of our well established and widely respected Sacramento-area clients. This role is ideal for a professional with strong communication, negotiation, and customer service skills who thrives in a fast-paced environment and is committed to helping customers resolve delinquent accounts with empathy and efficiency. The Collections Call Center Representative is responsible for contacting customers regarding past-due accounts, negotiating repayment solutions, and documenting all interactions with accuracy and professionalism. This position also supports asset management activities, vendor coordination, and account research to ensure timely resolution and account retention. The qualified candidate will have a minimum of three years of collections experience within a banking or comparable financial environment, including hands on experience with auto loan collections.

• 9am-6pm M-F. 100% Onsite
• Pay: $25-$26 / hour DOE
• Length: 6 months

Key Responsibilities

• Engage customers through inbound and outbound calls to resolve delinquent accounts, applying strong negotiation, problem-solving, and customer service skills.
• Develop and secure repayment arrangements that meet organizational guidelines while supporting customers' financial circumstances.
• Communicate the implications of continued delinquency and provide guidance on available resources, including financial counseling options.
• Maintain expert knowledge of collections practices, including repossessions, charge-offs, bankruptcies, and related account-resolution procedures.
• Coordinate with internal teams and external vendors on account status, asset recovery activities, reinstatements, and payment processing.

Skills and Qualifications

• High school diploma or equivalent required.
• Minimum 3 years of collections experience in a financial institution with a background in delinquent auto loans, asset recovery, or repossession processes.
• Strong communication and customer-service skills.
• Demonstrated strength in negotiation, conflict resolution, and clear verbal/written communication.
• Proficient with computers, call center platforms, and standard office equipment; able to navigate multiple systems efficiently.
• Working knowledge of collections regulations and compliance standards, including FDCPA and applicable state/federal guidelines.