Collections Specialist

Southern Auto Finance Company, LLC.; Pompano Beach, Northern (FL, KY); Hybrid; USD 40,000 - 60,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401(k) retirement plan

Paid time off

Paid holidays

Life and disability insurance

Job summary

Southern Auto Finance Company, LLC. is seeking motivated Collections Specialists for our Pompano Beach headquarters.

You will engage with customers who are behind on auto loan payments, listening to their situation and negotiating feasible solutions to protect both the customer and SAFCO. Previous collections, call-center, or customer service experience is helpful, but we will train strong communicators with sound judgment.

Qualifications

• Excellent communication and problem‑solving abilities.
• Comfort with a high-volume call environment and strict quality standards.
• Prior collections or customer-service experience is helpful but not required.

Responsibilities

• Contact customers with past-due auto loan payments via outbound calls and inbound inquiries.
• Assess customer circumstances and identify workable payment options.
• Negotiate payment arrangements and obtain commitments while preserving relationships.
• Document conversations, payments, and account activity accurately in systems.
• Perform basic skip tracing to update contact information and locate customers.
• Follow FDCPA and company policies, and participate in coaching and training.

Skills

Verbal communication

Active listening

Negotiation

Customer-focused approach

Documentation accuracy

Skip tracing

Bilingual EN/ES

Job description

SAFCO is seeking motivated, customer-focused professionals to join our team as Collections Specialists at our Pompano Beach headquarters.

In this role, you will work directly with customers who have fallen behind on their automobile loan payments. By listening to their circumstances, explaining available options, and negotiating workable solutions, you will help customers move forward while protecting the interests of the Company.

Previous collections, call-center, customer service, sales, banking, or financial-services experience is helpful, but we are also prepared to train candidates who demonstrate strong communication skills, sound judgment, resilience, and a desire to succeed.

Bilingual ability in English/Spanish or English/Portuguese is helpful but not required.

What You'll Do

Communicate with customers regarding past-due automobile loan payments through outbound dialer campaigns, manual calls, and incoming calls.

Listen carefully to understand the circumstances contributing to a customer's delinquency.

Work with customers to identify practical payment solutions that support both the customer and the Company.

Explain the importance of maintaining payments and rebuilding credit in a clear, respectful, and helpful manner.

Negotiate payment arrangements and secure commitments while maintaining positive customer relationships.

Accurately document customer conversations, payment arrangements, and account activity.

Perform basic skip tracing to locate customers and obtain updated contact information.

Manage assigned accounts and follow-up commitments with consistency and attention to detail.

Follow the Fair Debt Collection Practices Act, Company policies, and established quality-assurance standards.

Participate in training, coaching, and performance-development activities.

Assist with other responsibilities and team initiatives as needed.

What Will Help You Succeed

Strong verbal communication and active-listening skills

A professional, respectful, and customer-focused approach

Confidence handling challenging or sensitive conversations

Sound judgment and practical problem-solving ability

Persistence, emotional resilience, and a positive attitude

The ability to negotiate solutions and gain customer commitment

Strong organization, follow-through, and attention to detail

Comfort working with computers and learning new systems

Coachability and a willingness to apply feedback

The ability to work effectively in a structured, goal-oriented environment

Bilingual ability in English/Spanish or English/Portuguese is a plus

Why Build Your Career at SAFCO?

At SAFCO, our purpose is reflected in three words: Potential. Opportunity. Prosperity.

We recognize your Potential, provide the training and Opportunity to develop it, and help you build the skills and experience that can lead to long-term Prosperity.

As a member of our team, you can expect:

Comprehensive initial and ongoing training

Supportive coaching and professional development

Opportunities for career growth within collections, servicing, operations, and other areas of auto finance

Competitive compensation and performance-based earning opportunities

A professional, fast-paced, and collaborative work environment

Medical, dental, and vision coverage

Company-paid and voluntary life and disability insurance

A 401(k) retirement savings plan

Paid time off and paid holidays

Employee wellness, recognition, and community-involvement programs

An onsite position in our modern Pompano Beach corporate headquarters

SAFCO is an Equal Opportunity Employer and a drug-free workplace.

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