Delinquency & Collections Specialist

Default Brand; Montgomery (AL); On-site; USD 36,000 - 48,000; Full time

Job summary

Default Brand is seeking an experienced collections professional to proactively monitor and manage a portfolio of consumer loans in the early delinquency stage. You will contact members, negotiate repayment terms, and ensure accurate recording of all actions in the core system.

The role emphasizes precise file maintenance, timely payments processing, and adherence to internal policies and regulatory guidelines such as FCRA.

Qualifications

• Experience in consumer loan collections.
• Knowledge of Fair Credit Reporting Act (FCRA) guidelines.
• Proven ability to negotiate repayment terms and resolve delinquent accounts.

Responsibilities

• Monitors and manages a portfolio of consumer loans 11–50 days past due.
• Follows structured collection processes to contact members and negotiate repayment terms.
• Performs file maintenance and records teller postings and account status in the core system.
• Accepts and processes member payments with accuracy.
• Supports reporting of loan statuses to credit bureaus and other systems per policies.
• Maintains organized records of all member communications and activities.
• Performs skip tracing to locate members with outdated contact information.
• Escalates legal or operational risks with recommendations to management.
• Prepares delinquency reports and account watch lists for decision-making.
• Assists in responding to collection hotline calls and supports team members.
• Acts as backup to department adjusters and specialists when needed.
• Maintains professionalism and empathy while enforcing policy and protecting credit union relationships.
• Keeps current with policy and regulatory changes.
• Upholds a member-first mindset and builds relationships.
• Completes all training and performs other duties as assigned.

Skills

Debt collection

Regulatory compliance

Customer service

Job description

Default Brand is seeking an experienced collections professional to proactively monitor and manage a portfolio of consumer loans in the early delinquency stage. You will contact members, negotiate repayment terms, and ensure accurate recording of all actions in the core system.

The role emphasizes precise file maintenance, timely payments processing, and adherence to internal policies and regulatory guidelines such as FCRA.