MCA Collections Specialist

High Rise Capital; New York (NY); On-site; USD 65,000 - 85,000; Full time

Benefits offered by this job

Bonuses/Commissions

Job summary

High Rise Capital seeks an experienced MCA Collections Specialist in New York to drive collections on Merchant Cash Advances. You will handle high-volume outreach via phone, SMS, and email, while negotiating settlements and payment arrangements to bring accounts current.

The ideal candidate has strong negotiation skills, familiarity with MCA, UCC filings, and experience working with merchants who have fallen behind on payments.

Qualifications

• Experience with Merchant Cash Advances (MCA) collections and UCC filings.
• Strong cold-calling experience and ability to handle high-volume outreach.
• Excellent negotiation and objection-handling skills.
• Proven track record of bringing delinquent accounts current.
• Experience with CRM, dialer, or collections management systems preferred.

Responsibilities

• Contact merchants by phone, SMS, and email regarding delinquent MCA payments.
• Make high-volume cold calls to merchants who have fallen behind on payments.
• 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 UCC-related notices and communications per company procedures and law.
• Maintain records of merchant communications and payment activity.
• Collaborate with management and legal/operations on escalated accounts.
• Identify merchants who can be brought back onto regular payments.

Skills

MCA Collections

Cold Calling

Negotiation

Communication Skills

CRM Experience

Documentation

Tools

CRM System

Job description

We are looking for an experiencedMCA Collections Specialistto join our team. The ideal candidate has hands-on experience collecting onMerchant Cash Advances (MCAs)and understands how to work with merchants who have fallen behind or stopped making payments.

This is ahigh-activity collections positionrequiring strong communication skills, persistence, and a solid understanding of MCA collections and UCC filings.

Responsibilities

• Contact merchants byphone, SMS, and emailregarding delinquent MCA payments.
• Make high-volumecold callsto merchants who have stopped or fallen behind on payments.
• Work directly with merchants to understand their situation and negotiatepayment arrangementsto bring accounts current.
• Follow up consistently with merchants who make promises to pay.
• Understand and work withUCC filingsand the collections process.
• Send appropriateUCC-related notices and communicationsin 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 broughtback onto regular paymentsand prioritize accounts accordingly.

• 1+ years of MCA collections experience preferred.

• Must have a strong understanding ofMerchant Cash Advances, UCC filings, defaults, and payment collections.
• Proven experiencecold calling merchantsand successfully getting delinquent accounts back on payment.
• Strong negotiation and objection-handling skills.
• Comfortable making a high volume of calls every day.
• Experience communicating throughphone, 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.

Competitive base salary + performance-based bonuses/commissions.

Compensation will be based on experience and collections performance.