Collections Representative

Concord; Scottsdale (AZ); On-site; USD 45,000 - 55,000; Full time

Benefits offered by this job

Health Care Plan

Retirement Plan

Life Insurance

Paid Time Off

Family Leave

Disability Coverage

Training & Development

Free Food & Snacks

Wellness Resources

Job summary

Concord in Scottsdale, AZ is seeking a Collections Representative to contact borrowers with past-due accounts and secure payment commitments. You will negotiate repayment plans and document all activity in the servicing system, while ensuring compliance with FDCPA, FCRA, and CFPB guidelines.

The role requires 2–3 years in collections or a related contact center, with strong negotiation, communication, and detail orientation, onsite at the Chandler? AZ Center as noted.

Qualifications

• 2–3 years of collections or contact center experience.
• Knowledge of FDCPA, FCRA, and CFPB guidelines is preferred.
• Strong negotiation and communication skills.
• Proficiency with loan servicing platforms or CRM systems; able to learn proprietary software quickly.
• Excellent attention to detail with ability to manage a high volume of accounts.

Responsibilities

• Contact borrowers via inbound and outbound calls to address past-due accounts and secure payment commitments.
• Negotiate repayment plans and other arrangements in line with policy and regulations.
• Document all account activity and borrower interactions in the loan servicing system.
• Adhere to FDCPA, FCRA, CFPB guidelines and related regulations.
• Identify accounts needing supervisor review or hardship assistance and escalate as needed.
• Meet or exceed personal performance metrics like contact rates and promises to pay.
• Collaborate with teammates to resolve complex account issues.

Skills

Negotiation

Communication

CRM systems

Loan servicing

Attention to detail

Education level

Education

High school diploma

Associate or Bachelor's degree preferred

Tools

CRM systems

Loan servicing software

Proprietary software

Job description

Concord is a Loan Servicing Fintech company committed to helping borrowers navigate their financial obligations with clarity and respect. Our Collections team plays a critical role in maintaining positive borrower relationships while protecting the financial integrity of our servicing portfolio. This is an onsite position based at our Contact Center in Scottsdale, AZ.
The Collections Representative is responsible for contacting borrowers regarding past-due loan accounts, negotiating repayment arrangements, and resolving delinquencies in a compliant and borrower-friendly manner. The ideal candidate brings 2-3 years of collections or contact center experience and is comfortable working in a high-volume, fast-paced environment.
Duties and Responsibilities:

• Contact borrowers via inbound and outbound calls to address past-due loan accounts and secure payment commitments
• Negotiate repayment plans, deferrals, and other arrangements in accordance with company policy and regulatory guidelines
• Accurately document all account activity, payment arrangements, and borrower interactions in the loan servicing system
• Adhere to all applicable federal and state regulations, including FDCPA, FCRA, and CFPB guidelines
• Identify and elevate accounts requiring special handling, hardship assistance, or supervisor review
• Meet or exceed individual performance metrics including contact rates, promises to pay, and collector effectiveness
• Collaborate with team members and leadership to resolve complex account issues and contribute to departmental goals
• Maintain a professional and empathetic demeanor in all borrower interactions, reflecting Concord's commitment to respectful service

Requirements

• 2-3 years of experience in collections, loan servicing, or a related contact center environment
• Working knowledge of FDCPA, FCRA, and other applicable consumer lending regulations
• Strong negotiation and communication skills with a demonstrated ability to resolve delinquencies effectively and empathetically
• Proficiency with loan servicing platforms or CRM systems; ability to learn proprietary software quickly
• Excellent attention to detail and ability to manage a high volume of accounts with accuracy and urgency
• High school diploma or equivalent required; associate's or bachelor's degree in a related field preferred
• Must be able to work onsite at the Chandler, AZ Contact Center; this position is not eligible for remote work

Benefits

• Health Care Plan (Medical, Dental & Vision)
• Retirement Plan (401k, IRA)
• Life Insurance (Basic, Voluntary & AD&D)
• Paid Time Off (Vacation, Sick & Public Holidays)
• Family Leave (Maternity, Paternity)
• Short Term & Long Term Disability
• Training & Development
• Free Food & Snacks
• Wellness Resources