Collection Recovery Specialist

Citizens; Johnston (RI); On-site; USD 26,000 - 34,000; Full time

Job summary

Citizens is seeking a detail-oriented Collections and Recovery Specialist in Johnston, RI. The role focuses on collecting payments from individuals and businesses with delinquent accounts, supporting loss mitigation efforts and the bank’s financial health.

The position requires strong phone skills, negotiation ability, and the capacity to work well in a fast-paced, high-volume setting. In-office, 40 hours per week with a defined schedule and video interview steps.

Qualifications

• Strong phone communication, active listening, and negotiation skills.
• Demonstrated ability to thrive in a team-oriented environment.
• Excellent organizational skills and ability to perform in a fast-paced, high-volume setting.

Responsibilities

• Manage inbound and outbound calls to review and resolve delinquent accounts.
• Utilize effective servicing, negotiation, and problem-resolution techniques to collect payments.
• Assess customer financials to determine the most appropriate resolution based on their capabilities.
• Maintain accurate daily tracking of offset debits and work package maintenance.
• Document all transactions and interactions across systems of record to ensure compliance and support quality control reviews.

Skills

Phone communication

Active listening

Negotiation

Team player

Education

High School Diploma

Tools

AFS

TSYS

Mainframe

Relay

Debt Manager

Job description

Description

Starting Salary: $22.00/hour

Are you looking to jump start a career in banking? Are you interested in joining a team of professionals that help customers through their financial hardship while driving a tangible impact to the bottom line? Do you thrive in working in a fast paced environment that is ever changing? Our Collections and Recovery Specialist role may be the right career choice for you.

At Citizens, our colleagues are our greatest asset. This is why we go to great lengths to foster an engaged workforce in our Collections and Recovery teams. We are looking for colleagues with a positive attitude that are looking to learn.

Our Collections and Recovery colleagues have the support and training needed to grow their careers and make a lasting impact.

Qualified candidates must complete a video interview after applying as the next step, to be completed within 7 days of receiving the link.

Position Overview

We are seeking a highly motivated and detail-oriented professional to join our team in a critical collections role. This position is responsible for collecting payments from individuals and businesses with outstanding debt. The role directly supports loss mitigation efforts and contributes to the financial health of the organization.

Key Responsibilities

• Manage inbound and outbound calls to review and resolve delinquent accounts.
• Utilize effective servicing, negotiation, and problem-resolution techniques to collect payments.
• Assess customer financials to determine the most appropriate resolution based on their capabilities.
• Maintain accurate daily tracking of offset debits and work package maintenance.
• Document all transactions and interactions across systems of record to ensure compliance and support quality control reviews.

Required Skills & Experience

• Strong phone communication, active listening, and negotiation skills.
• Demonstrated ability to thrive in a team-oriented environment.
• Excellent organizational skills and ability to perform in a fast-paced, high-volume setting.

Preferred Qualifications

• High School Diploma or equivalent.
• Strong verbal and written communication skills.
• Working knowledge of systems including AFS, TSYS, Mainframe, Relay, and Debt Manager.

Work Schedule

• Hours: 40 per week
• Schedule: 4 days a week 9am-7pm with 1 day off during the week and Saturday shift 8am-12pm.
• 5 days in office

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you’ll find a customer‑centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth.