Late-Stage Collections Strategist

RTO National; Greenville (SC); On-site; USD 42,000 - 62,000; Full time

Benefits offered by this job

Competitive pay with monthly bonus pot

Paid time off holidays and floating

Medical, dental, vision insurance

Disability coverage

Employer-paid life insurance

Health Savings Account eligibility

Employee Assistance Program

401(k) retirement plan with Safe Harb

Job summary

RTO National is hiring a Late-Stage Collections Specialist to manage highly delinquent accounts in Greenville, SC. You will conduct outbound calls, negotiate payment arrangements, and document activity to minimize losses while following company policies.

The role requires 2–5 years in collections and strong negotiation, communication, and organizational skills. A high school diploma is required; associate degree preferred.

Qualifications

• High school diploma or equivalent required; associate degree or higher preferred.
• 2–5 years of collections, loss mitigation, account recovery, or related financial services experience; late-stage delinquency preferred.
• Strong negotiation skills with the ability to develop payment/workout or settlement solutions.
• Sound judgment and critical-thinking skills for quick assessment and decision-making.
• Strong verbal and written communication skills with professional customer interactions.

Responsibilities

• Manage and prioritize a portfolio of late-stage delinquent and written-off accounts.
• Conduct outbound collection calls and respond to inbound inquiries to resolve past-due balances.
• Lead firm, fair conversations with customers about status, options, and next steps.
• Negotiate realistic payment arrangements or settlements within guidelines.
• Apply persistent recovery strategies when outreach is difficult or prior arrangements fail.
• Maintain accurate account documentation and escalation decisions.
• Evaluate when to move accounts to legal or other escalation and coordinate recovery efforts.
• Own portfolio results including cash recovered and follow-up completion.

Skills

Negotiation skills

Communication skills

Time management

Attention to detail

Independent work

Education

High school diploma or equivalent

Associate degree or higher preferred

Job description

RTO National is hiring a Late-Stage Collections Specialist to manage highly delinquent accounts in Greenville, SC. You will conduct outbound calls, negotiate payment arrangements, and document activity to minimize losses while following company policies.

The role requires 2–5 years in collections and strong negotiation, communication, and organizational skills. A high school diploma is required; associate degree preferred.