Collection Specialist

Job Description

Job Description

Location: Sunny Isles Beach, Florida (On-Site)
Company: Neto Capital
Employment Type: Full-Time
Working Hours: 9:30AM–5:30PM
Start Date: Immediate / Based on availability
Compensation: Competitive compensation + commission + performance-based bonuses

Position Overview

We are looking for a Collection Specialist to join Neto Capital’s Collections and Portfolio Operations team.

This is a dynamic, meaningful, and sensitive role that combines ongoing client communication, payment tracking, handling problematic accounts, managing difficult conversations, finding practical solutions, working with CRM systems, basic data analysis, and maintaining organized and accurate collections processes.

The role is ideal for someone with strong interpersonal skills, assertiveness, confidence, the ability to manage challenging conversations, strong organization, execution discipline, and the ability to work in a fast-paced and dynamic environment.

The Collection Specialist will be responsible for managing ongoing communication with clients who are past due, at risk, or not meeting payment terms, while maintaining professional communication, organized documentation, consistent follow-up, and processes designed to improve collections, reduce risk, and support the performance of the company’s portfolio.

Key Responsibilities

• Manage ongoing communication with clients regarding payments, past-due balances, open balances, and payment arrangements.

• Conduct collection calls in a professional, assertive, and clear manner.

• Track past-due accounts, missed payments, returns, failed payments, and risk patterns.

• Conduct daily and systematic follow-up with clients based on file status and company policy.

• Document calls, actions, payment promises, statuses, and notes in the company’s systems and CRM.

• Work with Operations, Underwriting, Risk, Legal, Sales, and company management on sensitive accounts.

• Identify early warning signs, changes in client behavior, reduced activity, or increased risk.

• Assist in building practical solutions with clients, including payment coordination, arrangements, status updates, and escalation when needed.

• Work with Excel / Google Sheets to track files, payments, statuses, reports, and basic analysis.

• Use AI tools for call summaries, information organization, drafting messages, basic analysis, tracking, and improving workflows.

• Maintain complete, accurate, and organized documentation of all collection activity.

• Support internal reporting on collections status, performance, risks, and open accounts.

• Identify recurring processes that can be improved and suggest ways to make collections work more efficiently.

• Work in a dynamic environment with goals, volume, multiple tasks, and short timelines.

Requirements

• At least 1 year of experience in Collections, Customer Service, Account Management, Sales, Operations, Client Relations, or a similar role — required.

• Bachelor’s degree — advantage.

• Bachelor’s degree in Business Administration, Finance, Economics, Communications, Law, Psychology, Behavioral Sciences, or a related field — strong advantage.

• Strong interpersonal skills and ability to manage difficult conversations.

• Assertiveness, confidence, and ability to lead conversations professionally.

• Ability to handle objections, pressure, sensitive situations, and challenging clients.

• Strong proficiency in Excel / Google Sheets — required.

• Basic ability to work with data, spreadsheets, reports, tracking, and analysis — required.

• Experience using AI tools for writing, summaries, organizing information, research, and process improvement — required.

• Experience working with CRM or client management systems — strong advantage.

• Strong organization, attention to detail, and follow-up ability.

• Ability to work independently and manage schedules.

• Ability to work in a fast-paced, dynamic, and multi-tasking environment.

• High personal responsibility and discretion when working with sensitive financial information.

Nice to Have

• Previous collections experience in finance, FinTech, lending, business financing, banking, or financial services.

• Experience working with business clients in the U.S.

• Experience managing payment arrangements, delinquent accounts, default cases, or recovery processes.

• Familiarity with Salesforce, HubSpot, Zoho, or similar CRM systems.

• Basic understanding of financial products, credit, payments, balances, debt, or portfolio management.

• Experience working with Risk, Legal, Operations, or Underwriting teams.

• Additional languages — strong advantage, especially Spanish.

• Experience using AI tools to improve documentation, call summaries, task management, and status analysis.

Who You Are

• You are assertive, communicative, and confident.

• You know how to manage difficult conversations professionally, clearly, and respectfully.

• You have strong interpersonal skills and the ability to build trust even in complex situations.

• You are organized, consistent, and do not let tasks fall through the cracks.

• You follow up until the loop is closed.

• You are independent, responsible, and highly execution-oriented.

• You perform well in a dynamic, fast-paced, and sometimes high-pressure environment.

• You know how to combine a service-oriented approach with assertiveness and goal orientation.

• You are comfortable working with CRM, spreadsheets, data, systems, and AI tools.

• You are looking for a role with real responsibility, clear goals, impact on company performance, and growth potential.

Why Join Neto Capital?

• Opportunity to join a growing FinTech company and play a central role in portfolio performance.

• A meaningful role that combines communication, collections, data, operations, and risk management.

• Close collaboration with Operations, Risk, Underwriting, Legal, and company management.

• Dynamic, entrepreneurial, and family-oriented work environment.

• Exposure to FinTech, data, AI, financing, payments, and portfolio management.

• Opportunity to grow into more advanced roles in Collections, Recovery, Portfolio Management, Operations, or Risk.

• Competitive compensation, commission, and performance-based bonuses.

Neto Capital is a fast-growing fintech company operating in the U.S. small business financing space. We're not a brokerage — we're a technology company that funds businesses. We combine financial and operational expertise with data, automation, and cutting-edge AI/ML to make funding faster, smarter, and more transparent.

Here's what makes us different: most MCA shops win on volume and grind. We win on technology. Our sales team gets access to the best AI and tech tools on the market — the kind that surface the right merchants, sharpen your pitch, and move deals to funded faster than anyone else in the industry. While our competitors hand reps a dialer and a list of dead leads, we hand you a real edge. You still bring the drive — but here, your drive is multiplied by tools that actually help you win.

Neto Capital operates in a dynamic, entrepreneurial, and family-oriented environment built around one idea: when you succeed, we succeed. We invest heavily in our people — training, coaching, technology, warm leads, and a culture that pushes you to be great. Whether you're a seasoned vet looking for a smarter home or a hungry newcomer ready to break into financial sales, we set you up to win.

Company Description

Neto Capital is a fast-growing fintech company operating in the U.S. small business financing space. We're not a brokerage — we're a technology company that funds businesses. We combine financial and operational expertise with data, automation, and cutting-edge AI/ML to make funding faster, smarter, and more transparent.\r\n\r\nHere's what makes us different: most MCA shops win on volume and grind. We win on technology. Our sales team gets access to the best AI and tech tools on the market — the kind that surface the right merchants, sharpen your pitch, and move deals to funded faster than anyone else in the industry. While our competitors hand reps a dialer and a list of dead leads, we hand you a real edge. You still bring the drive — but here, your drive is multiplied by tools that actually help you win.\r\n\r\nNeto Capital operates in a dynamic, entrepreneurial, and family-oriented environment built around one idea: when you succeed, we succeed. We invest heavily in our people — training, coaching, technology, warm leads, and a culture that pushes you to be great. Whether you're a seasoned vet looking for a smarter home or a hungry newcomer ready to break into financial sales, we set you up to win.