Collections Specialist

PFS Corp.; San Antonio (TX); Hybrid; USD 40,000 - 60,000; Full time

Benefits offered by this job

Medical, dental, vision, and life ins.

Paid time off

401(k) with company match

Employee assistance program

Professional development

Job summary

Professional Financial Services (PFS) is seeking a Collections Specialist to manage auto-loan accounts effectively. In this role, you will engage with customers who are behind on their payments, employing strong negotiation and communication skills to assist them in resolving their situations.

With a focus on building relationships and integrity, you'll help maintain company interests while offering lasting solutions.

Qualifications

• 2+ years of collections experience required.
• Auto finance or related collections experience preferred.
• Ability to handle sensitive financial information with discretion.

Responsibilities

• Manage assigned auto-loan accounts from delinquency through repossession referral.
• Make high-volume inbound and outbound calls to customers.
• Establish payment arrangements and monitor compliance.

Skills

Collections experience

Negotiation skills

Communication

Problem-solving

Conflict resolution

Attention to detail

Time management

Education

High school diploma or equivalent

Tools

Account management systems

Communication systems

Job description

Solve problems. Build relationships. Keep things moving.

Professional Financial Services (PFS) | Auto Finance

THE OPPORTUNITY

Collections isn't just about making a call and asking for a payment.

It's about listening, understanding the situation, negotiating a realistic solution, and knowing when to take the next step.

As a Collections Specialist with Professional Financial Services (PFS), you'll work directly with customers who have fallen behind on their auto loans. You'll use your collections experience, communication skills, and judgment to help customers get back on track—while protecting the company's interests and managing accounts responsibly.

If you're persistent without being pushy, confident having difficult conversations, and genuinely enjoy solving problems, this could be a great fit.

WHAT YOU WILL DO

Own your portfolio

Manage assigned auto-loan accounts from the first day of delinquency through repossession referral and support.

Connect with customers

Make high-volume inbound and outbound calls to understand why an account is delinquent, discuss available options, and work toward an appropriate resolution.

Negotiate solutions

Establish payment arrangements within company guidelines, monitor promises to pay, and follow up when commitments aren't met.

Know the details

Maintain accurate account records, document customer interactions, update account information, and ensure communications and arrangements are properly recorded.

Find the customer when needed

Use approved skip-tracing and account-research methods to locate customers and update contact information.

Use good judgment

Identify accounts that meet established criteria for repossession consideration and make recommendations to the Branch Manager.

Work across the business

Partner with Branch Management, Remarketing, Insurance Claims, dealers, and other internal teams to keep accounts moving and information flowing.

Step outside the branch when necessary

Make occasional local customer visits when telephone contact has been unsuccessful and an account is approaching repossession referral. These visits generally occur only a few times per month and are intended to provide another opportunity to resolve the account. Authorized visits may include documenting whether the vehicle is present and its general visible condition.

Build relationships from day one

Conduct welcome calls with newly opened auto-loan customers to verify contact information, answer questions, review payment expectations and payment options, and establish a positive relationship.

Be part of the team

Provide backup administrative support when needed and help maintain smooth branch operations, while keeping collections as your primary responsibility.

WHAT YOU WILL BRING

We're looking for someone who knows how to balance results with respect.

You'll ideally bring:

• 2+ years of collections experience
• Auto finance, consumer lending, or related collections experience preferred
• Strong negotiation, problem-solving, and conflict-resolution skills
• Excellent verbal and written communication
• Strong attention to detail and the ability to manage multiple time-sensitive priorities
• Comfort working with account-management and communication systems
• The ability to handle sensitive financial information with discretion
• A collaborative approach to working with branch leadership, internal teams, dealers, and other partners
• High school diploma or equivalent
• Valid driver's license, legally required automobile insurance, and reliable transportation for occasional local customer visits
• Availability to work evenings and Saturdays as required by branch operations

WHY PFS?

A job is one thing. A career is another.

Professional Financial Services is a stable company that believes in developing people from within. Many of our leaders started in frontline roles and built their careers here.

When you join PFS, you'll have the opportunity to:

Grow your career

Training, development, and opportunities to advance.

Work with leadership

Hands-on managers who know the business and support their teams.

Make an impact locally

Build relationships with customers, dealers, and the communities we serve.

Be part of a team

A workplace built around respect, accountability, and customer care.

BENEFITS

• Medical, dental, vision, and life insurance
• Paid time off and paid holidays
• 401(k) with company match
• Employee assistance program
• Extensive training and professional development
• Opportunities for advancement throughout the company

This position is subject to a background check for convictions directly related to its duties and responsibilities. Only convictions directly relevant to the role will be considered and will not automatically disqualify a candidate.