Auto Loan Collections: Cure Delinquency & Negotiate

Upgrade, Inc.; Phoenix (AZ); On-site; USD 42,000 - 50,000; Full time

Benefits offered by this job

PTO (Paid Time Off)

401K matching

Medical, dental and vision insurance

Downtown Phoenix location

Paid parking or transit options

Job summary

Upgrade, Inc. is seeking an Auto Collections Specialist in Downtown Phoenix to manage and resolve mid-stage delinquent auto loan accounts (60–89 days past due) with negotiation and loss-mitigation strategies.

Starting pay is $22.00 per hour. You will work in a fast-paced, metrics-driven environment, ensuring compliance with FDCPA and state laws while driving timely payments and cures.

Qualifications

• 1+ year of auto finance collections experience.
• Experience handling delinquent accounts in the 60+ DPD range.
• Strong negotiation and customer communication skills.
• Ability to handle difficult conversations professionally and confidently.
• Working knowledge of FDCPA and consumer protection regulations.
• Strong time management and organizational skills.

Responsibilities

• Manage a daily queue of auto loan accounts that are 60–89 days past due.
• Contact customers via outbound and inbound calls to resolve delinquency.
• Negotiate payment arrangements, settlements, and reinstatement options.
• Identify root causes of delinquency and recommend appropriate loss-mitigation solutions.
• Educate customers on account status, contract terms, and available resolution options.
• Drive timely payments and account cures to reduce delinquency and prevent repossession.
• Accurately document all account activity, call notes, and customer commitments.
• Maintain full compliance with FDCPA, CFPB, state regulations, and company policies.
• Meet or exceed daily, weekly, and monthly performance goals (RPC, PTP, dollars collected, cure rate, etc.).
• Escalate high-risk or complex accounts appropriately (hardship, fraud indicators, disputes, complaints, etc.).
• Partner with servicing, titles, insurance, and repossession teams as needed.

Skills

Negotiation

Communication

Time management

CRM systems

Attention to detail

Tools

CRM systems

Job description

Upgrade, Inc. is seeking an Auto Collections Specialist in Downtown Phoenix to manage and resolve mid-stage delinquent auto loan accounts (60–89 days past due) with negotiation and loss-mitigation strategies.

Starting pay is $22.00 per hour. You will work in a fast-paced, metrics-driven environment, ensuring compliance with FDCPA and state laws while driving timely payments and cures.