Debt Collector

We are seeking a motivated and results-driven Collections Specialist to join our growing recovery team. This individual will be responsible for managing delinquent merchant cash advance (MCA) accounts, contacting business owners, negotiating payment arrangements, and maximizing recoveries on charged-off and defaulted accounts. The ideal candidate is persistent, professional, and comfortable handling difficult conversations with business owners while maintaining compliance with company policies and applicable regulations. Key Responsibilities Manage a portfolio of delinquent MCA and commercial debt accounts. Contact business owners and guarantors via phone, email, and text messaging. Negotiate payment arrangements, settlements, and workout plans. Investigate merchant financial situations and identify recovery opportunities. Document all collection activities accurately within the CRM system. Perform skip tracing and locate hard-to-find merchants and guarantors. Review bank statements, payment histories, and account documentation. Collaborate with attorneys and legal partners on escalated accounts. Monitor payment plans and follow up on broken promises to pay. Meet or exceed monthly recovery and collection goals. Maintain compliance with company policies and applicable collection regulations. Identify potential fraud, asset transfers, or other collection risks. Qualifications Required 2+ years of collections, debt recovery, MCA collections, commercial collections, or related experience. Strong negotiation and objection-handling skills. Ability to manage high call volumes and difficult conversations. Excellent verbal and written communication skills. Strong organizational skills and attention to detail. Preferred Experience collecting merchant cash advances. Experience with commercial debt recovery or B2B collections. Knowledge of UCC filings, confessions of judgment, judgments, and commercial collections. Skip tracing experience. Legal collections experience. Key Traits for Success Competitive and goal-oriented. Persistent without being aggressive. Strong problem-solving abilities. Comfortable working in a fast-paced environment. Self-motivated and accountable. Professional demeanor when dealing with business owners and attorneys. Why Join Us High-growth commercial recovery environment. Opportunity to earn significant commission income. Work alongside industry experts in merchant cash advance recovery and commercial debt collections. #J-18808-Ljbffr Search Solution Group