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 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 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 within 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 (C1/C2)
• 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
• Must be based in Latin America
• Ability to work during U.S. business hours

• 100% Remote Work
• Highly Competitive USD Pay
• Paid Time Off
• Work with Autonomy
• Work with Top American Companies
• Engagement activities
• Work-life balance support
• Access to a diverse, global network of 600+ professionals in 25+ countries
• Collaboration with a multicultural team
• Opportunity to work with senior, seasoned professionals