90-Day Collections Representative

Hankey Group; Dallas (TX); On-site; USD 42,000 - 111,000; Full time

Benefits offered by this job

Medical, Dental, and Vision benefits

401K matching

Wellness Program

Job summary

Westlake Financial is seeking a 90-Day Collector in Dallas to manage accounts more than 90 days past due and reduce delinquency with persistence and negotiation. You will locate customers and collateral, arrange payment solutions, and work with repossession agents as needed.

The role requires 3+ years of backend subprime and auto collections experience, a high school diploma, and strong knowledge of FDCPA. A fast-paced environment with overtime is common.

Qualifications

• 3+ years of backend subprime collections experience required.
• Auto collections experience required.
• High school diploma or equivalent required.
• Strong skip-tracing knowledge to locate customers or collateral.
• Excellent communication and negotiation skills with professional phone etiquette.
• Understanding of FDCPA and related collection laws.

Responsibilities

• Contact customers with accounts >90 days past due to discuss payment options and resolve delinquencies.
• Use skip-tracing techniques to locate customers and collateral locations.
• Negotiate payment solutions tailored to each customer’s situation.
• Achieve monthly goals while maintaining quality, compliance, and professionalism.
• Collaborate with repossession agents to recover collateral when required.
• Reduce delinquency rates through consistent follow-up and strategic communication.
• Handle a high volume of calls in a fast-paced, goal-oriented environment.

Skills

Skip-tracing

Negotiation

Communication

Multitasking

Flexibility

Microsoft Excel

Microsoft Outlook

FdCPA knowledge

Education

High school diploma or equivalent

Tools

Microsoft Excel

Microsoft Outlook

Web-based applications

Job description

WESTLAKE WARRIOR | Late Stage Collections Dallas, TX | On-site

Why Westlake?

• Base Pay:
• $20.00 per hour plus bonus potential of up to $5,800 monthly based on individual and team performance.

• Tiered Retention Bonus:
• Receive $500 upon completion of 3 months from the start date.
• An additional $500 upon completion of 6 months from the start date.

• *Incentive:
• If the department exceeds its goal, eligible agents in the bonus range will receive a \"kicker\" ranging from $100.00 to $750.00, based on goal achievement.
• * All agent incentive opportunities may vary monthly, and are not guaranteed, and are subject to change.

What You’ll Do

As a 90-Day Collector, you’ll manage accounts that are over three payments past due and play a key role in reducing delinquency for Westlake Financial. This position requires persistence, attention to detail, and strong skip-tracing and negotiation skills to help customers bring their accounts current and locate collateral when necessary.

• Contact customers with accounts more than 90 days past due to discuss payment options and resolve delinquencies.
• Use skip-tracing techniques to locate customers who are difficult to reach and identify collateral locations.
• Negotiate payment solutions tailored to each customer’s situation to help bring accounts current.
• Achieve monthly goals while maintaining quality, compliance, and professionalism.
• Collaborate with repossession agents to recover collateral when required.
• Reduce delinquency rates in your assigned queue through consistent follow-up and strategic communication.
• Handle a high volume of calls efficiently in a fast-paced, goal-oriented environment.

What We’re Looking For

• Strong skip-tracing knowledge and ability to locate customers or collateral effectively.
• Excellent communication and negotiation skills with professional phone etiquette.
• Flexible schedule – able to work overtime and weekends when needed.
• Proven ability to multitask and stay organized in a fast-paced, high-volume environment.
• Thorough understanding of state and federal collection laws, including the Fair Debt Collection Practices Act (FDCPA).
• Proficient computer and typing skills with familiarity in Microsoft Excel, Outlook, and web-based applications.
• Team-oriented mindset with a positive, dependable attitude.
• 3+ years of backend subprime collections experience required.
• Auto collections experience required.
• High school diploma or equivalent required.

Full Time Benefits

• Medical, Dental, and Vision benefits
• Life Insurance, Flexible Spending Account
• 401K matching
• Employee Stock Ownership Program in a $14.2 Billion Company, plus company matching
• Wellness Program, Daily Team Exercises
• Westlake University, Certification Programs
• Career Path Opportunities
• Discounts on Parks, Museums, Movie Tickets, and Attractions
• AT&T Wireless Discounts
• Employee Loan Assistance
• Annual Flu Shots, Biometric Screenings
• Paid Vacations Days
• Paid Sick Days
• Paid Holidays
• Rental Car Discounts
• Dell Member Purchase Program
• UKG Wallet

About Us

Westlake Financial is the largest privately held auto finance company in the United States with demonstrated growth year over year. We continue to expand our teams and diversify our business model. This leads to cementing us as a leader in the automotive lending industry. Westlake continues to grow its market share within the Auto Industry with assets in excess of 22B. We have business relationships in all 50 states, including Puerto Rico. We are looking to acquire talented individuals as we expand our market share. Westlake Financial believes in PEOPLE with the PURPOSE and PASSION to assist our more than 22,000 dealer partners throughout North America.

ACKNOWLEDGMENTS

We will consider for employment all qualified Applicants, including those with Criminal Histories, in a manner consistent with the requirements of applicable state and local laws, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. We are an equal opportunity employer and do not unlawfully discriminate in employment. No question on this application is used for the purpose of limiting or excluding any applicant from consideration for employment on a basis prohibited by local, state, or federal law. Equal access to employment, services, and programs is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the organization.