Collections Representative

Midway Auto Group; Dallas, Northern (TX, KY); On-site; USD 42,000 - 78,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

Life Insurance

Long-term disability

401K matching

Paid vacations

Paid sick days

Paid holidays

Gym access

Employee stock ownership program

Job summary

Westlake Financial is seeking a Collections Representative to help customers get back on track with their accounts. The role emphasizes inbound/outbound calls, negotiation, and compliant collection practices.

You will handle 31+ days past due accounts, use skip-tracing tools, and maintain detailed notes while meeting performance goals in a fast-paced team setting. Excellent communication is essential.

Qualifications

• Strong communication and negotiation skills required.
• Experience with FDCPA and debt collection laws.
• Proficient with computers and data entry.

Responsibilities

• Handle inbound and outbound calls to assist customers with past-due accounts.
• Reach out to customers to set up payments or repayment plans.
• Negotiate fair payment solutions while meeting performance goals.
• Keep detailed notes on all interactions and actions.
• Use skip-tracing tools to locate customers or collateral when needed.
• Review accounts for repossession following guidelines.
• Contribute to reducing delinquency and maintaining compliance.
• Manage a high volume of calls in a fast-paced, supportive team environment.
• Protect confidential information related to customers and accounts.

Skills

Strong communication

Negotiation

Flexible schedule

Multitasking

FDCPA knowledge

Data entry

Microsoft Excel

Outlook

Team player

High call-volume experience

Education

High school diploma or equivalent

Tools

Microsoft Excel

Outlook

Web-based applications

Data entry

Job description

Description

WESTLAKE WARRIOR | Early to Mid Stage Collections Dallas, TX | On-site

Why Westlake?

• Base Pay:
  • $17.00 per hour plus bonus potential of up to $3,000 monthly based on individual and team performance.
• Tiered Retention Bonus:
  • Receive $500 upon completion of 3 months from the start date.
  • An additional $500 upon completion of 6 months from the start date.
• *Incentive:
  • If the department exceeds its goal, eligible agents in the bonus range will receive a "kicker" ranging from $100.00 to $750.00, based on goal achievement.
  • * All agent incentive opportunities may vary monthly, and are not guaranteed, and are subject to change.

What You’ll Do:

As a Collections Representative, you’ll play an important role in helping customers get back on track with their accounts while supporting Westlake Financial’s success. You’ll use technology, communication, and problem-solving skills to assist customers who are 31+ days past due and help prevent loan losses through smart, compassionate collection efforts.

Handle inbound and outbound calls — providing friendly, professional support and following company policies and procedures.

Reach out to customers to set up payments or create plans to resolve past-due accounts.

Negotiate fair payment solutions while meeting performance and productivity goals.

Keep detailed and accurate notes on all customer interactions and account actions.

Listen actively and communicate clearly with customers, teammates, and management to resolve concerns and ensure a positive experience.

Use skip-tracing tools to locate customers or collateral when needed.

Review accounts for repossession when necessary, following company guidelines and mitigating factors.

Work toward department goals by helping reduce delinquency rates and maintaining quality and compliance standards.

Manage a high volume of calls in a fast-paced, supportive team environment.

Protect confidential information related to customers, accounts, and company operations.

What We’re Looking For:

Strong communication and negotiation skills with a professional phone presence.

Flexible schedule — open to working overtime and weekends when needed.

Able to multitask and stay organized in a fast-paced environment.

Understanding of collection laws, including the Fair Debt Collection Practices Act (FDCPA).

Proficient with computers — comfortable with data entry, web-based applications, and Microsoft Excel & Outlook.

Excellent telephone etiquette and ability to connect with customers respectfully.

Team player with a positive attitude and dependable work ethic.

At least one year of consumer collections experience in a high call-volume, auto-dialer environment.

Knowledge of collections and repossession processes — auto collection experience preferred.

• High school diploma or equivalent required.
• Medical, Dental, and Vision benefits
• Life Insurance and Long-term disability plans
• Flexible Spending Account
• 401K matching
• Employee Stock Ownership Program in a $18.2 Billion Company, plus company matching
• Wellness Programs
• Metro Tap Card and Metro-link Reimbursement (for Los Angeles, CA employees only)
• Discounts on Parks, Museums, Movie Tickets, and Attractions
• Annual Flu Shot
• Paid Vacations Days
• Paid Sick days
• Paid holidaysHGym (available in our Los Angeles, CA & Dallas,TX office)
• Rental Car Discounts, Dell Member Purchase Program
• UKG Wallet

ABOUT US

Westlake Financial is the largest privately held auto finance company in the United States with demonstrated growth year over year. We continue to expand our teams and diversify our business model. This leads to cementing us as a leader in the automotive lending industry.

Westlake continues to grow its market share within the Auto Industry with assets in excess of 22B. We have business relationships in all 50 states, including Puerto Rico. We are looking to acquire talented individuals as we expand our market share. Westlake Financial believes in PEOPLE with the PURPOSE and PASSION to assist our more than 22,000 dealer partners throughout North America.

ACKNOWLEDGMENTS

We will consider for employment all qualified Applicants, including those with Criminal Histories, in a manner consistent with the requirements of applicable state and local laws, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. We are an equal opportunity employer and do not unlawfully discriminate in employment. No question on this application is used for the purpose of limiting or excluding any applicant from consideration for employment on a basis prohibited by local, state, or federal law. Equal access to employment, services, and programs is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the organization.

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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