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 root causes of 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) with 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.

• 100% Remote Work: Enjoy the freedom to work from the location that helps you thrive. All it takes is a laptop and a reliable internet connection.
• Highly Competitive USD Pay: Earn an excellent, market-leading compensation in USD, that goes beyond typical market offerings.
• Paid Time Off: We value your well-being. Our paid time off policies ensure you have the chance to unwind and recharge when needed.
• Work with Autonomy: Enjoy the freedom to manage your time as long as the work gets done. Focus on results, not the clock.
• Work with Top American Companies: Grow your expertise working on innovative, high-impact projects with Industry-Leading U.S. Companies.
• A Culture That Values You: We prioritize well-being and work-life balance, offering engagement activities and fostering dynamic teams to ensure you thrive both personally and professionally.
• Diverse, Global Network: Connect with over 600 professionals in 25+ countries, expand your network, and collaborate with a multicultural team from Latin America.
• Team Up with Skilled Professionals: Join forces with senior talent. All of our team members are seasoned experts, ensuring you're working with the best in your field.