Auto Finance Collections Specialist

Obra-Capital,-Inc.; Carrollton (TX); On-site; USD 42,000 - 54,000; Full time

Job summary

Obra-Capital,-Inc. is seeking a Collections Representative to collect on past due accounts by calling customers, assessing financial situations, and negotiating repayment plans while complying with FDCPA and company policies.

The role includes skip tracing, coordinating with internal teams, and meeting monthly metrics, with confidentiality maintained as required. A high school diploma and strong communication skills are essential, with prior collections or customer service experience preferred.

Qualifications

• High school diploma or equivalent.
• Strong verbal communication and negotiation skills.
• Ability to handle difficult conversations with professionalism and empathy.
• Basic computer proficiency and experience with CRM or loan servicing systems.
• Prior experience in collections, auto finance, banking, or customer service (preferred).
• Knowledge of FDCPA and other relevant regulations and laws.
• Bilingual abilities (e.g., English/Spanish) a plus.

Responsibilities

• Collect on past due accounts within company guidelines and in accordance with Collection Department guidelines and all applicable laws and regulations, including the FDCPA.
• Assess customers’ financial situations and identify appropriate repayment solutions.
• Negotiate payment arrangements, extensions, or due‑date modifications within company guidelines.
• Handle customer complaints, find resolution on customer accounts andoffer excellent Customer Service.
• Handle incoming calls from customers, auto dealerships, other lendersand other third parties.
• Conduct skip tracing activities.
• Recommend accounts for repossession and/or legal action.
• Make outbound calls to customers with delinquent auto loans using an auto dialer.
• Achieve individual and departmental monthly established metrics and goals.
• Maintain confidentiality and handle sensitive financial information responsibly.
• Coordinate with internal teams (payment processing, insurance, customer service, etc.)
• Participate in ongoing training, coaching, and team meetings.
• Be assigned additional tasks by your supervisor to assist with the team's performance
• Additional responsibilities will be assigned based on business needs

Skills

Verbal communication

Negotiation

Customer service

CRM experience

FDCPA knowledge

Bilingual English/Spanish

Education

High school diploma

Tools

CRM software

Loan servicing systems

Job description

Obra-Capital,-Inc. is seeking a Collections Representative to collect on past due accounts by calling customers, assessing financial situations, and negotiating repayment plans while complying with FDCPA and company policies.

The role includes skip tracing, coordinating with internal teams, and meeting monthly metrics, with confidentiality maintained as required. A high school diploma and strong communication skills are essential, with prior collections or customer service experience preferred.