Senior Collections Specialist – Fintech & Commercial Finance
Core
Manage and prioritize a portfolio of high-balance, complex delinquent commercial accounts by evaluating financial health, negotiating structured workout plans, and driving loss mitigation efforts.
Role type
Senior Collections Specialist (Commercial Finance)
Builds
Repayment plans, settlements, and workout arrangements for past-due commercial accounts
Domain
Fintech / Commercial Lending / Small and Medium-sized Business (SMB) Finance
Deliverable
client delivery
Required skills
complex account management, financial hardship evaluation, structured negotiation, due diligence, financial research, risk evaluation, regulatory compliance (FDCPA), cross-functional partnership, team mentorship
Preferred skills
experience in merchant cash advance (MCA), B2B financial services
Technologies
CRM systems, collections software, ACH banking processes, Microsoft Excel
Responsibilities
Manage and prioritize a portfolio of high-balance, complex delinquent commercial accounts based on risk, balance, and aging; Evaluate business cash flow and financial health to structure viable repayment plans, settlements, and workout arrangements within authority limits; Act as the primary escalation point for sensitive, high-value, or severe risk collections cases; Conduct due diligence, financial research, and risk evaluations to minimize losses and prevent pre-charge-offs; Track, analyze, and report portfolio performance metrics and delinquency trends directly to management; Ensure strict adherence to FDCPA standards, state/federal regulations, and internal compliance protocols; Partner cross-functionally with Legal, Finance, Customer Service, and Sales teams to resolve root causes of recurring payment defaults; Mentor junior collections team members on negotiation best practices, compliance, and dispute resolution
Seniority
Senior, hands-on IC with mentorship responsibilities
