Collections Specialist (Spanish Bilingual)

Preferred Credit, Inc.; Saint Cloud (MN); On-site; USD 46,000 - 53,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Short-term disability

Long-term disability

Voluntary benefits

Annual discretionary bonus

Earned Safe & Sick Time

Paid maternity & paternity leave

PTO & 8 paid holidays

Donation matching & time

401(k) match up to 5%

Tuition reimbursement & student loan

Job summary

Preferred Credit, Inc. in Minnesota is seeking a Spanish bilingual Collections Specialist to engage with customers about overdue accounts and arrange payment plans. This in-office role requires strong negotiation and empathetic communication.

The schedule is Monday–Friday, 7:00am–4:00pm CST with every other Saturday, and starting pay ranges from $22 to $25.50 per hour plus bilingual premium.

Qualifications

• High School diploma or GED with 2+ years in customer service or accounts receivable.
• Bilingual fluency in Spanish and English with strong negotiation skills.
• Professional phone presence and ability to handle high call volumes.

Responsibilities

• Engage with customers to discuss overdue accounts and explore repayment options.
• Negotiate and establish payment arrangements aligned with company policies.
• Maintain detailed records of all interactions and agreements.
• Communicate via phone, email, and written correspondence to support timely collections.
• Collaborate with team to monitor account status and escalate when needed.

Skills

Spanish & English bilingual

Negotiation skills

Customer service

Accounts receivable

Phone etiquette

Education

High School diploma or GED

Job description

Collections Specialist (Spanish Bilingual)

Job Category: Customer Service and Collections

Requisition Number: COLLE001518

• Posted : October 9, 2026
• Full-Time
• On-site

Locations

Showing 1 location

• Pay or shift range: $22 USD to $25.50 USD The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.

Description

Must be in Central MN and have reasonable commute to St. Cloud, MN due to in-office requirements.

SCHEDULE: Full-Time, Monday - Friday, 7:00am-4:00pm CST, every other Saturday 8a-5p CST with a flex day when working Saturday

COMPENSATION: Starting Pay $22 – $25.50 per hour. (The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.)

WHO WILL SHINE IN THIS ROLE

Are you looking for an opportunity to make a meaningful impact, grow your career in a supportive, people-first environment? PCI is seeking a Spanish Bilingual Collections Specialist who is empathetic, solutions-orientated, and driven to help customers resolve payment concerns in a respectful and professional manner.

This is an exciting opportunity to work in a valued-based organization where you’ll build positive relationships, use your negation skills, and contribute to PCI’s success - all while growing a career and making a difference.

WHAT YOU’LL DO

• Engage with customers to discuss overdue accounts and explore repayments options.
• Negotiates and establishes payment arrangements that support customer needs and company policies.
• Maintains detailed and accurate records of all interactions and agreements.
• Communicates via phone, email, and written correspondence to support timely collections.
• Collaborate with the team to monitor account status and escape when necessary.

WHAT WE’RE LOOKING FOR

Must-Have Qualifications:

• High School diploma or GED, with at least 2 years’ experience in customer service, accounts receivable, sales or a related field.
• Bilingual fluency in Spanish and English, with strong verbal communication and effective negotiation skills.
• Confident phone presence and ability to manage high call volumes professionally and empathetically.

Nice to have but not Required!

• 1+ year of collections experience
• Prior experience in a call center setting.

LOCATION & WORK SETTING

• Schedule: Full-Time, Monday - Friday, 7:00am-4:00pm CST, every other Saturday 8:00aa – 5:00pm CST with a flex day when working Saturday
• Work Setting: In-Office

COMPETITIVE COMPENSATION & BENEFITS

• Starting Pay: $22 – $25.50 per hour
• (The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.)
• Bilingual Pay: Earn an additional $2.00 per hour for Spanish Fluency! Bilingual fluency in Spanish and English with Strong written and verbal communications skills.

PCI offers competitive and comprehensive benefits including medical, dental, vision, short-term disability, long-term disability, and voluntary benefits.

Additional Perks that Go the Extra Mile:

• Annual Discretionary Bonus
• Earned Safe & Sick Time (ESST)
• Paid Maternity & Paternity Leave
• Paid Time Off (PTO) & 8 Paid Holidays
• Donation Matching & Paid Volunteer Time
• 401(k) Match – 100% of your deferrals up to 5%
• Tuition Reimbursement & Student Loan Match Program

EQUAL EMPLOYMENT OPPORTUNITY

PCI is an equal employment opportunity employer committed to diversity, equity, & inclusion. We make hiring decisions based on qualifications, merit, and business needs. If you need assistance or an accommodation due to disability, please contact PCI HR at [e-mail].

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.