Collections Specialist I

Tharp Consulting; Raleigh (NC); On-site; USD 40,000 - 60,000; Full time

Job summary

Tharp Consulting seeks a Collections Specialist in Raleigh, NC to support member financial wellness while minimizing credit losses. You will manage delinquent consumer and small-business accounts, negotiate payment solutions, and document activity with accuracy in core systems.

You'll interpret aging and risk reports to prioritize outreach, collaborate with lending and member services teams, and ensure all collection practices comply with regulations and internal policies, delivering respectful,

Qualifications

• Strong verbal communication and customer-focused problem solving.
• Regulatory awareness and commitment to ethical, compliant collections.
• High attention to detail and accuracy in system documentation.
• Ability to analyze aging/risk information and exercise good judgment.
• Team collaboration mindset and alignment with a mission-driven approach to serving local communities.

Responsibilities

• Manage delinquent consumer and small-business accounts through inbound and outbound contact.
• Negotiate sustainable payment solutions with empathy, professionalism, and sound judgment.
• Document collection activity accurately in core systems and maintain compliant records.
• Interpret account aging and risk reports to prioritize outreach and determine appropriate next steps.
• Collaborate with lending and member services teams to coordinate solutions and support members.
• Ensure all collection practices comply with applicable regulations and internal policies.

Skills

Strong verbal communication

Regulatory awareness

Attention to detail

Analyze aging/risk information

Team collaboration

Job description

Collections Specialist

to support member financial wellness while minimizing credit losses.

• Manage delinquent consumer and small-business accounts through inbound and outbound contact.
• Negotiate sustainable payment solutions with empathy, professionalism, and sound judgment.
• Document collection activity accurately in core systems and maintain compliant records.
• Interpret account aging and risk reports to prioritize outreach and determine appropriate next steps.
• Collaborate with lending and member services teams to coordinate solutions and support members.
• Ensure all collection practices comply with applicable regulations and internal policies.

Qualifications & Skills

• Strong verbal communication and customer-focused problem solving.
• Regulatory awareness and commitment to ethical, compliant collections.
• High attention to detail and accuracy in system documentation.
• Ability to analyze aging/risk information and exercise good judgment.
• Team collaboration mindset and alignment with a mission-driven approach to serving local communities.