Auto Loan Collections Specialist — High-Impact Negotiator

Pfs Corp; Louisville (KY); On-site; USD 42,000 - 56,000; Full time

Job summary

Security Finance in Louisville, KY is seeking a Collections Specialist to manage delinquent auto-loan accounts from early delinquency to repossession referral. You will communicate with customers to understand their situation, explain options, negotiate payment plans, and keep accurate records.

The role emphasizes high-volume outreach, skip-tracing, and collaboration with internal departments. A strong focus on professional customer service and compliance with guidelines is required.

Qualifications

• Two or more years of collections experience.
• Auto-finance, consumer-lending, or closely related collections experience preferred.
• Strong negotiation, problem-solving, and conflict-resolution skills.
• Strong verbal and written communication skills.
• Ability to manage a high-volume account queue with accuracy and attention to detail.
• Ability to organize and prioritize multiple time-sensitive responsibilities.
• Ability to handle confidential financial information with professionalism and discretion.
• Comfort using account-management and communication systems.
• Ability to collaborate effectively with branch management and internal departments.
• Valid driver’s license, legally required automobile insurance, and reliable transportation for occasional local visits.
• High school diploma or equivalent.

Responsibilities

• Manage assigned auto-loan accounts beginning at one day past due through repossession referral and support.
• Handle a high volume of inbound and outbound customer communications using approved channels.
• Work with customers to understand delinquency and identify appropriate resolution options.
• Negotiate payment arrangements within guidelines and monitor payments.
• Maintain accurate and timely records of customer communications, attempts, arrangements, complaints, and changes.
• Use skip-tracing and account-research methods to locate customers and update contact information.
• Answer routine questions and resolve concerns within guidelines, escalating sensitive matters when needed.
• Identify accounts meeting repossession criteria and make branch management recommendations.
• Provide requested account information and documentation related to reposessions and insurance matters.
• Conduct occasional local visits when contact fails and repossession is imminent.
• Complete welcome calls for new auto-loan accounts to verify information and explain options.
• Provide backup support for administrative branch functions while keeping collections as priority.
• Provide courteous, professional service to customers, dealers, and internal partners.

Skills

Collections experience

Negotiation

Communication skills

Problem-solving

Attention to detail

Time management

Confidential data handling

Driver's license

Education

High school diploma or equivalent

Job description

Security Finance in Louisville, KY is seeking a Collections Specialist to manage delinquent auto-loan accounts from early delinquency to repossession referral. You will communicate with customers to understand their situation, explain options, negotiate payment plans, and keep accurate records.

The role emphasizes high-volume outreach, skip-tracing, and collaboration with internal departments. A strong focus on professional customer service and compliance with guidelines is required.