Auto Loan Collections & Recovery Specialist

Upgrade, Inc.; Phoenix, Northern (AZ, KY); Hybrid; USD 26,000 - 34,000; Full time

Benefits offered by this job

PTO

401K matching

Medical insurance

Dental insurance

Vision insurance

Parking

Job summary

Upgrade, Inc. in Phoenix, AZ is seeking an Auto Collections Specialist to manage delinquent auto loan accounts (60–89 days past due) and drive cures through effective outreach and loss-mitigation strategies. The role demands negotiation skills, urgency, and strict compliance with FDCPA and state regulations.

Starting pay is $22.00 per hour. You will handle a daily queue, contact customers, arrange settlements, and document activity while meeting aggressive performance targets in a fast-paced,

Qualifications

• 1+ years of collections experience in auto finance.
• Experience working delinquent accounts in the 60+ DPD range.
• Knowledge of FDCPA and consumer protection regulations.
• Proficiency with CRM and collection systems.

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.
• Accurately document all account activity, call notes, and customer commitments.
• Meet or exceed daily, weekly, and monthly performance goals (RPC, PTP, dollars collected, cure rate).

Skills

Collections experience

Delinquency experience

Negotiation

Difficult conversations

FDCPA knowledge

Time management

Metrics-driven

CRM systems

Job description

Upgrade, Inc. in Phoenix, AZ is seeking an Auto Collections Specialist to manage delinquent auto loan accounts (60–89 days past due) and drive cures through effective outreach and loss-mitigation strategies. The role demands negotiation skills, urgency, and strict compliance with FDCPA and state regulations.

Starting pay is $22.00 per hour. You will handle a daily queue, contact customers, arrange settlements, and document activity while meeting aggressive performance targets in a fast-paced,