Collections Associate

Rippling; United States; On-site; USD 52,000 - 76,000; Full time

Benefits offered by this job

Equity

Benefits package

Job summary

Rippling is seeking a Collections Associate to join our fintech teams handling delinquent balances across cards, payroll, EOR, and subscriptions. You will work with the Collections Manager to recover past-due accounts through outbound calls, emails, and professional negotiations.

The role emphasizes clear communication, persistent follow-through, and strong judgment. You'll help improve processes, document activity, and contribute to playbooks as our collections function scales.

Qualifications

• 2+ years in collections or AR or a customer-facing financial services role.
• Strong written and verbal communication.
• Results-oriented with ownership of performance.
• Ability to manage high-volume accounts with attention to detail.
• Adaptable to evolving processes; help build them.
• Proficient with spreadsheets; experience with Retool and Salesforce.

Responsibilities

• Contact customers with past-due balances to resolve delinquencies.
• Negotiate payment arrangements and document activity.
• Investigate billing disputes and coordinate with internal teams.
• Escalate high-risk accounts with a clear summary to the manager.
• Meet or exceed performance targets on key metrics.
• Identify patterns and contribute to process improvements.

Skills

Communication

Attention to detail

Results oriented

Account management

Empathy

Tools

Retool

Salesforce

Job description

About the role

Rippling is a global fintech operating across software, payments, and lending, moving tens of billions of dollars across payroll, cards, and payment products. As our product surface area and geographic footprint expand, the complexity of servicing accounts and recovering unpaid obligations increases materially.

The Collections Associate will be one of Rippling's early hires in collections and will play a direct role in recovering delinquent balances across our financial products. This is a role for someone who is driven, detail-oriented, and genuinely motivated by the work of resolving past-due accounts - through strong communication, persistence, and good judgment. You will work closely with the Collections Manager and broader team as we continue to build out our operations, which means there is real opportunity to help shape how this function works at Rippling.

What you will do

• Contact customers with past-due balances across Rippling's financial products - including corporate cards, payroll, EOR, and subscription billing - via outbound calls, emails, and other channels to resolve delinquencies.
• Negotiate payment arrangements, settlements, and resolution plans within established policy guidelines, documenting all activity accurately in relevant systems.
• Investigate and resolve billing disputes or discrepancies in coordination with internal teams, ensuring customers receive timely and professional responses.
• Escalate complex, high-risk, or sensitive accounts to the Collections Manager with a clear summary of the situation and actions taken to date.
• Meet or exceed individual performance targets across key metrics.
• Help identify patterns, process gaps, and improvement opportunities as the team scales, contributing to the development of playbooks and best practices.

What you will need

• 2+ years of experience in collections, accounts receivable, or a customer-facing financial services role.
• Strong written and verbal communication skills, with the ability to navigate difficult conversations professionally and empathetically.
• A results-oriented mindset - you are motivated by outcomes and take personal ownership performance.
• Ability to manage a high volume of accounts with strong attention to detail and consistent follow-through.
• Comfort working in an environment that is still evolving; you can operate effectively without fully defined processes and contribute to building them.
• Basic proficiency with spreadsheets and the ability to work across multiple systems such s Retool and Salesforce; experience with collections or CRM platforms a plus.
• Familiarity with collections regulations (e.g., FDCPA) - willingness to learn and apply compliance requirements is essential.

Additional Information

Rippling is an equal opportunity employer. We are committed to building a diverse and inclusive workforce and do not discriminate based on race, religion, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, veteran or military status, or any other legally protected characteristics, Rippling is committed to providing reasonable accommodations for candidates with disabilities who need assistance during the hiring process. To request a reasonable accommodation, please email [e-mail]

Rippling highly values having employees working in-office to foster a collaborative work environment and company culture. For office-based employees (employees who live within a defined radius of a Rippling office), Rippling considers working in the office, at least three days a week under current policy, to be an essential function of the employee’s role.

This role will receive a competitive salary + benefits + equity. The salary for US-based employees will be aligned with one of the ranges below based on location; see which tier applies to your location here.

A variety of factors are considered when determining someone’s compensation- including a candidate’s professional background, experience, and location. Final offer amounts may vary from the amounts listed below.

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