Collections Specialist

Department: Operations Reports To: Senior Manager, B2B Account Recovery Location: Austin, TX (Primarily In-Office) About inKind inKind is transforming restaurant financing and customer engagement through an innovative fintech platform that provides restaurants with growth capital while helping consumers discover and enjoy dining experiences nationwide. Our mission is to help restaurants thrive by providing flexible capital and technology that drives repeat guests, while delivering exceptional dining experiences for consumers. As we continue to grow, we're looking for people who enjoy solving challenging business problems, working collaboratively, and taking ownership of meaningful outcomes. About the Role The Specialist, B2B Account Recovery plays an important role in protecting inKind's restaurant financing portfolio while preserving long-term relationships with our partners. Reporting to the Senior Manager, B2B Account Recovery, you'll manage a portfolio of restaurant partners experiencing financial distress or contractual default. You'll own recovery efforts from initial outreach through resolution, negotiating directly with restaurant owners and operators to develop practical solutions that maximize recovery while maintaining professionalism and trust. This isn't a traditional collections role. Success requires commercial judgment, negotiation skills, empathy, and the ability to balance financial outcomes with long-term business relationships. You'll work cross-functionally with Legal, Finance, Operations, Sales, and Partner Success while contributing ideas that continuously improve our recovery processes as we scale. What You'll Do Own a portfolio of restaurant partner accounts in default, driving recovery efforts from initial outreach through final resolution. Develop recovery strategies tailored to each partner's financial and operational circumstances. Maintain consistent communication with restaurant owners and operators while ensuring timely follow-up. Prioritize accounts based on financial exposure, contractual obligations, and business risk. Escalate complex or high‑risk matters appropriately while independently managing day‑to‑day recovery activities. Lead negotiations with restaurant owners to resolve contractual defaults through payment plans, settlements, restructures, or other mutually beneficial solutions. Balance recovery objectives with maintaining positive long‑term relationships wherever possible. Conduct difficult financial conversations professionally, confidently, and respectfully. Document negotiated agreements and ensure commitments are accurately executed. Review executed agreements to identify contractual obligations and default triggers. Prepare and issue notices of default and other recovery documentation. Coordinate closely with Legal on escalated matters, litigation support, and enforcement activities. Prepare and maintain UCC‑1 financing statements and supporting documentation. Ensure recovery activities remain compliant with company policies and applicable regulations. Process & Operational Excellence Maintain accurate records within Salesforce and internal systems. Keep documentation, notes, communications, and recovery milestones audit‑ready. Track portfolio performance and recovery metrics. Identify recurring issues, operational bottlenecks, and process improvement opportunities. Partner with the Senior Manager to continuously improve recovery workflows as the business scales. Who You Are You enjoy solving complex business problems and can remain calm and professional during difficult conversations. You're comfortable balancing financial outcomes with relationship management and know how to negotiate collaboratively while protecting the company's interests. You are: A confident communicator who can build credibility with restaurant owners and business operators. Commercially minded, with the ability to understand contracts, financial performance, and business risk. Organized and detail‑oriented, able to manage multiple active recovery cases simultaneously. Relationship‑driven, balancing firmness with empathy and professionalism. Curious about hospitality and motivated to understand the operational realities restaurant owners face. Collaborative and comfortable partnering across Legal, Finance, Partner Success, and Operations. Accountable and proactive, taking ownership of outcomes without requiring constant direction. Minimum Qualifications 3–5 years of experience in B2B collections, commercial account recovery, credit, receivables management, or a similar client‑facing financial role. Experience negotiating payment plans, settlements, or commercial resolutions. Strong understanding of commercial agreements and contractual obligations. Experience conducting financial negotiations with business owners or executive stakeholders. Experience using CRM platforms such as Salesforce, HubSpot, or similar systems. Strong organizational, written, and verbal communication skills. Ability to work full‑time from our Austin office. Preferred Qualifications Experience in hospitality, restaurant finance, fintech, banking, commercial lending, or alternative financing. Familiarity with secured lending concepts and UCC filings. Startup or high‑growth company experience. Experience partnering with legal teams during commercial recovery efforts. Why You’ll Love Working at inKind Build meaningful relationships with thousands of restaurant partners across the country. Join a fast‑growing fintech company transforming how restaurants access capital and grow their businesses. Work alongside smart, collaborative teammates who value ownership, curiosity, and execution. Have direct visibility into business performance and opportunities to influence operational improvements. Enjoy a high‑impact role where your work directly contributes to the company's financial success. Salary: $80,000 - 90,000 + Benefits Who we are: inKind connects passionate diners with exceptional restaurants across the country. inKind partners with thousands of restaurants and has millions of users who want to discover great places, dine confidently, and earn meaningful rewards. Through the inKind app, guests earn 20% back every time they dine, turning everyday meals into something more rewarding. From celebrated restaurant groups like José Andres and Michael Mina to beloved neighborhood favorites, inKind helps diners explore the best restaurants in town while supporting the restaurants and chefs who shape how their cities eat. Rooted in hospitality and built on a win‑win philosophy, inKind exists to help great restaurants thrive while inspiring guests to dine out more often. Every meal creates value on both sides of the table, empowering diners to savor more while strengthening the restaurant community. inKind is an Equal Opportunity Employer. We believe that diversity is vital to inKind's ability to provide our clients with the best recommendations and are committed to fostering a varied and inclusive work environment. Your race, color, ancestry, religion, gender, gender identity, national origin, sexual orientation, age, marital status, disability status, veteran status, or any other protected category have no bearing on our hiring decisions. By submitting this application, you acknowledge that inKind Cards, Inc. may share the information you provide with trusted third‑party service providers, including fraud detection and application processing partners, to evaluate your application and ensure the integrity of our hiring process. Your information will be handled in accordance with our Privacy Policy. 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