We are looking for an experienced MCA Collections Specialist to join our team. The ideal candidate has hands-on experience collecting on Merchant Cash Advances (MCAs) and understands how to work with merchants who have fallen behind or stopped making payments. This is a high-activity collections position requiring strong communication skills, persistence, and a solid understanding of MCA collections and UCC filings. Responsibilities • Contact merchants by phone, SMS, and email regarding delinquent MCA payments. • Make high-volume cold calls to merchants who have stopped or fallen behind on payments. • Work directly with merchants to understand their situation and negotiate payment arrangements to bring accounts current. • Follow up consistently with merchants who make promises to pay. • Understand and work with UCC filings and the collections process. • Send appropriate UCC-related notices and communications in accordance with company procedures and applicable law. • Locate and communicate with merchants who are difficult to reach. • Negotiate settlements, repayment plans, and payment reinstatement arrangements within company guidelines. • Maintain detailed records of merchant communications, payment commitments, and account activity. • Work closely with management and legal/operations teams on escalated accounts. • Identify merchants who can be successfully brought back onto regular payments and prioritize accounts accordingly. Requirements • 1+ years of MCA collections experience preferred. • To Apply: Please submit your resume and a brief description of your MCA collections experience, including the types of accounts you have handled and your experience getting merchants back onto payments. • Must have a strong understanding of Merchant Cash Advances, UCC filings, defaults, and payment collections. • Proven experience cold calling merchants and successfully getting delinquent accounts back on payment. • Strong negotiation and objection-handling skills. • Comfortable making a high volume of calls every day. • Experience communicating through phone, SMS, and email. • Persistent, confident, and professional when dealing with difficult merchants. • Ability to work independently and manage a large portfolio of accounts. • Strong organizational and follow-up skills. • Experience with a CRM, dialer, or collections management system is a plus. Benefits Competitive base salary + performance-based bonuses/commissions. Compensation will be based on experience and collections performance.