Senior Collections Specialist – Fintech, Commercial Finance

• 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 repayment plans, settlements, and workout arrangements within authority limits
• Serve 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 adherence to FDCPA standards, state and federal regulations, and internal compliance protocols
• Partner with Legal, Finance, Customer Service, and Sales teams to resolve recurring payment defaults
• Mentor junior collections team members on negotiation best practices, compliance, and dispute resolution

• 5+ years of collections experience handling complex, high-balance, or high-risk accounts in fintech, merchant cash advance (MCA), commercial lending, or B2B financial services
• Bachelor’s degree in Finance, Business Administration, or related field, or equivalent practical experience
• Exceptional verbal and written English skills at C1/C2 level
• Proven de-escalation, conflict-resolution, and negotiation capabilities
• Proficiency with CRM systems, collections software, ACH banking processes, and Microsoft Excel
• Deep understanding of FDCPA guidelines and U.S. commercial collections regulations

• Highly competitive USD pay
• Paid time off
• 100% remote work
• Flexible autonomy over work schedule
• Opportunities to work with top American companies on high-impact projects
• Engagement activities supporting well-being and work-life balance
• Collaboration with a diverse, global network across 25+ countries
• Access to seasoned senior professionals and multicultural teams