We are seeking a motivated and experienced Collections Specialist to help get deals back on track, reduce defaults, and protect portfolio performance. This role is critical to maintaining healthy cash flow and minimizing losses. You will work directly with merchants to resolve payment issues, restructure payment plans when appropriate, and cure accounts before they become full defaults. This is a performance-driven role with real upside for someone who knows how to communicate, negotiate, and close. Key Responsibilities • Contact merchants with missed or failing payments • Work accounts back into good standing • Negotiate payment resolutions, workout plans, and reinstatements • Monitor accounts to prevent future payment failures • Identify early warning signs of default and act proactively • Maintain detailed notes and updates in the CRM • Coordinate with internal teams (underwriting, legal, management) • Track and report on: • Cured accounts • Recovered balances • Default rate trends • Follow all compliance and communication guidelines Requirements Required Experience & Skills • 2+ years experience in collections, recoveries, or account resolution • Strong negotiation and communication skills • Ability to handle difficult conversations professionally • Organized, persistent, and results-driven • Comfortable working in a fast-paced environment • Experience using CRM systems for tracking and documentation Preferred (Nice to Have) • Experience in MCA, lending, or financial services • Experience with ACH collections and payment recovery • Understanding of default prevention strategies • Experience working with payment processors or banks • Bilingual (English/Spanish) a plus Benefits Compensation Structure • Base Salary • Commission on: • Accounts cured • Payments recovered • Reduction in default exposure • Clear performance metrics and uncapped upside What Success Looks Like • Deals are brought back into good standing • Default rates decrease over time • Merchants remain active and paying • Strong documentation and follow-through • Portfolio health improves month over month Why Join Us • High-impact role tied directly to company performance • Clear commission structure with real earning potential • Growing financial services company • Opportunity to advance into senior collections or portfolio management • Supportive, results-driven team environment