Collections Representative

NCB Management Services, Inc.; Jacksonville (FL); On-site; USD 38,000 - 52,000; Full time

Job summary

NCB Management Services, Inc. is seeking a Collections Representative to manage overdue accounts, contact customers, and negotiate payment plans while ensuring compliance with FDCPA and related regulations. The role emphasizes accurate documentation and collaboration with on-site teams.

Responsibilities include reviewing accounts, resolving disputes, and delivering professional customer service. On-site work and ongoing training are expected to maintain performance standards.

Qualifications

• High school diploma or equivalent.
• Experience in collections, customer service, or related field.
• Strong negotiation and communication skills.
• Proficiency in using computer software and databases.
• Knowledge of relevant laws and regulations, such as the FDCPA.

Responsibilities

• Contacting customers by phone, email, or mail to discuss overdue accounts and arrange payment.
• Negotiate payment plans with customers while ensuring timely debt recovery.
• Update and maintain accurate records of interactions, agreements, and account statuses.
• Research accounts to understand non-payment causes and determine next steps.
• Collaborate with on-site team members to resolve issues and keep account information accurate.

Skills

Negotiation

Communication

Customer service

FDCPA knowledge

Computer skills

Education

High school diploma

Tools

Databases

Office software

Job description

The Collections Representative is responsible for managing overdue accounts and recovering outstanding debts. Their primary duties include contacting customers through phone, email, or mail to discuss unpaid bills, negotiation payment plans and maintaining accurate records of all interactions all while ensuring compliance with relevant laws and regulations.

Essential Job Functions

• Contacting Customers: Reach out to customers through phone, email, or mail to discuss overdue accounts and arrange for payment.
• Negotiating Payment Plans: Collaborate with customers to establish manageable payment plans while ensuring timely debt recovery.
• Updating Account Information: Maintain accurate records of customer interactions, payment agreements, and account statuses in the company's database.
• Researching Accounts: Investigate and analyze customer accounts to understand the reasons for non-payment and determine the best course of action.
• Collaborating with Team Members: Work on-site with coworkers, management, and other departments to resolve customer issues and ensure accurate account information. Participate in on-site training and development activities to enhance skills and performance.
• Compliance: Ensure all collection activities comply with relevant laws and regulations, such as the Fair Debt Collection Practices Act (FDCPA).
• Problem-Solving: Identify and address any issues or disputes that arise during the collection process, working to find solutions that are acceptable to both the company and the customer.
• Customer Service: Provide excellent customer service by being empathetic, professional, and respectful during all interactions with customers.
• Monitoring Accounts: Regularly review account statuses to identify any changes or improvements and take appropriate action.

Physical Abilities

• Sitting for Extended Periods: Ability to sit comfortably for long periods while making calls and working on a computer.
• Manual Dexterity: Efficient use of a keyboard and mouse for data entry and navigating software applications.
• Speaking Clearly: Strong verbal communication skills for effective negotiation and conveying information.
• Hearing Ability: Good hearing to understand customer responses during phone conversations.
• Visual Ability: Ability to read and review documents, screens, and reports accurately.

Communication Skills

• Auditory Abilities: Active listening to understand customer concerns and ensure accuracy during conversations.
• Verbal Communication: Clear and confident speaking to convey information, persuade customers, and build rapport.
• Written Communication: Professional and clear writing for emails, messages, and accurate documentation.
• Reading and Comprehension: Understanding company policies, analyzing account details, and solving problems using written information.

Qualifications

• High school diploma or equivalent.
• Previous experience in collections, customer service, or related field.
• Strong negotiation and communication skills.
• Proficiency in using computer software and databases.
• Knowledge of relevant laws and regulations, such as the FDCPA.

This job description is to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this Company. This job description is not to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.