Early Stage Collector

Early Stage Collector

CoWorx Staffing Services is hiring an Early-Stage Collector for our client located in Foothill Ranch, CA. Salary: $21.00-$27.00hr based on experience and qualifications.

Responsibilities:

• Contact customers via phone, email, text, and other approved communication channels regarding early-stage delinquent accounts.
• Build positive customer relationships by providing empathetic, solution-focused support.
• Negotiate payment arrangements and discuss hardship assistance options to help customers maintain current account status.
• Research account activity, payment history, and balances to resolve customer inquiries accurately and efficiently.
• Identify and escalate specialized issues, including fraud, bankruptcy, insurance claims, and title-related matters.
• Accurately document customer interactions, payment arrangements, and account updates within the Loan Management System (LMS).
• Perform basic skip tracing activities to locate customers and assets when necessary.
• Handle customer complaints professionally and escalate concerns through appropriate channels when required.
• Collaborate with Customer Service, Titles, and other internal departments to support account resolution efforts.
• Ensure compliance with all applicable regulations, company policies, and industry standards.
• Participate in special projects, process improvement initiatives, and other duties as assigned.

Desired Background/Skills:

• Associate's degree in Finance, Business, or a related field preferred; equivalent work experience will be considered.
• Minimum of 3 years of early-stage collections experience within the automotive, powersports, or consumer finance industry required.
• Excellent verbal and written communication skills with a strong focus on empathy, emotional intelligence, and active listening.
• Ability to de-escalate difficult conversations while maintaining professionalism and customer trust.
• Strong negotiation, interpersonal, and attention-to-detail skills.
• Proven ability to negotiate payment arrangements with tact, respect, and a solution-oriented approach, even in sensitive situations.
• Highly organized with a commitment to accurate documentation and compliance with company procedures, legal requirements, and regulatory standards.
• Comfortable using Loan Servicing Systems and CRM platforms; proficiency with Microsoft Excel, Word, and Outlook required.
• Experience with dialer platforms and digital communication tools is a plus.
• Strong knowledge of federal and state debt collection laws and regulations, including FDCPA, Rosenthal Act, Regulation F, FCRA, TCPA, GLBA, EFTA, SCRA, UDAAP, and Bankruptcy Code Sections 362 and 524.
• Ability to foster a positive, inclusive, and respectful team environment built on trust, collaboration, and accountability.
• Demonstrates professionalism in all interactions and contributes to a workplace culture that values teamwork, integrity, open communication, and shared success.

Other Information:

Don't miss out on this excellent opportunity to join a hardworking, supportive team- apply with us today to get started! CoWorx is an equal opportunity employer dedicated to fostering a diverse and inclusive team. We believe that a varied workforce enhances our business outcomes and contributes to a brighter future for our internal teams, Field Talent, customers, and communities. We are committed to considering all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, age, national origin, or veteran status, and we do not discriminate based on disability.