MCA Collections Specialist

Infusion Capital; New York (NY); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Performance-based bonuses

Job summary

Infusion Capital in New York, NY seeks an experienced MCA Collections Specialist to join our team. The ideal candidate has hands-on MCA collections experience and understands working with merchants who have fallen behind or stopped paying.

This high-activity role requires strong communication, persistence, and a solid grasp of MCA collections and UCC filings. The position involves contacting merchants via phone, SMS, and email, negotiating payment arrangements, and maintaining thorough records

Qualifications

• 1+ years of MCA collections experience required.
• Strong knowledge of MCAs, UCC filings, defaults, and collections.
• Proven ability to cold call delinquent merchants and recover payments.
• Excellent negotiation and objection-handling skills.
• Able to manage a large portfolio with persistent follow-up.
• Experience using CRM, dialer, or collections software is a plus.

Responsibilities

• Contact merchants by phone, SMS, and email about delinquent MCA payments.
• Make high-volume calls to merchants who are behind on payments.
• Negotiate payment arrangements to bring accounts current.
• Follow up with merchants who promise to pay.
• Understand UCC filings and the collections process.
• Issue UCC notices per procedures and applicable law.
• Locate and reach hard-to-contact merchants.
• Prioritize accounts and coordinate with management, legal, and operations.
• Maintain detailed records of communications and payment commitments.
• Assist with escalated accounts with teams.

Skills

MCA collections

UCC filings

Cold calling

Negotiation

High-volume calls

CRM / collections system

Tools

CRM software

Job description

We are looking for an experienced MCA Collections Specialist to join our team. The ideal candidate has hands-on experience collecting on Merchant Cash Advances (MCAs) and understands how to work with merchants who have fallen behind or stopped making payments. This is a high-activity collections position requiring strong communication skills, persistence, and a solid understanding of MCA collections and UCC filings.

Responsibilities

• Contact merchants by phone, SMS, and email regarding delinquent MCA payments
• Make high-volume cold calls to merchants who have stopped or fallen behind on payments
• Work directly with merchants to understand their situation and negotiate payment arrangements to bring accounts current
• Follow up consistently with merchants who make promises to pay
• Understand and work with UCC filings and the collections process
• Send appropriate UCC-related notices and communications in accordance with company procedures and applicable law
• Locate and communicate with merchants who are difficult to reach
• Negotiate settlements, repayment plans, and payment reinstatement arrangements within company guidelines
• Maintain detailed records of merchant communications, payment commitments, and account activity
• Work closely with management and legal/operations teams on escalated accounts
• Identify merchants who can be successfully brought back onto regular payments and prioritize accounts accordingly

Requirements

• 1+ years of MCA collections experience preferred
• Must have a strong understanding of Merchant Cash Advances, UCC filings, defaults, and payment collections
• Proven experience cold calling merchants and successfully getting delinquent accounts back on payment
• Strong negotiation and objection-handling skills
• Comfortable making a high volume of calls every day
• Experience communicating through phone, SMS, and email
• Persistent, confident, and professional when dealing with difficult merchants
• Ability to work independently and manage a large portfolio of accounts
• Strong organizational and follow-up skills
• Experience with a CRM, dialer, or collections management system is a plus

Benefits

• Competitive base salary + performance-based bonuses/commissions.