Payment Recovery Specialist I

Georgia's Own Credit Union; United States; Hybrid; USD 36,000 - 48,000; Full time

Job summary

Georgia’s Own Credit Union is seeking a Payment Recovery Specialist I to support charge-offs, bankruptcy, or credit reporting activities. You will maintain account information, respond to disputes, and coordinate with members, departments, credit bureaus, and vendors in a regulated, process-driven environment.

The role requires attention to detail, the ability to cross-train in a second specialty, and the commitment to meeting productivity and quality goals in a fast-paced setting.

Qualifications

• Minimum of 1 year of collections, bankruptcy, charge-off, credit reporting, and/or comparable financial services experience with measured success preferred.
• Minimum of 1 year of credit union or comparable financial institution experience.
• College experience preferred.

Responsibilities

• Research and respond to credit bureau, member, and internal disputes and inquiries accurately within required timelines.
• Submit electronic dispute responses and corrections through credit reporting platforms (e-OSCAR/PSCU).
• Maintain credit reporting queues and documentation for regulatory compliance.
• Review bankruptcy accounts and notices, document information, and track payments and updates.

Skills

Analytical skills

Multitasking

Interpersonal communication

Education

College experience preferred

Tools

e-OSCAR

PSCU

Job description

This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office.

SUMMARY

The Payment Recovery Specialist I supports the accurate and timely administration for one of three specialty functions: charge-offs, bankruptcy, or credit reporting activities. The Specialist maintains account and consumer information, researches and responds to disputes and inquiries, processes account updates, monitors assigned work queues, and coordinates with members, internal departments, credit bureaus, attorneys, and/or collection agencies. The role applies established procedures and regulatory requirements, as well as cross training in one additional specialty area to provide consistent operational support.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Credit Reporting

• Research and respond to credit bureau, member, and internal disputes and inquiries accurately within required regulatory and service timelines.
• Submit electronic dispute responses and corrections through applicable credit reporting platforms, including e-OSCAR and PSCU, and maintain complete supporting documentation.
• Maintain accurate consumer reporting in accordance with the Fair Credit Reporting Act, Metro 2 standards, and established policies, including specialized bankruptcy and charge-off coding.
• Review account and consumer data, identify reporting errors, complete corrections, and support quality-control standards.
• Maintain credit reporting queues, account notes, and supporting records to ensure timely follow-up, accurate documentation, and regulatory compliance.

Bankruptcy

• Review and maintain assigned bankruptcy accounts and queues, including Chapter 7, 11, and 13 cases, under established procedures.
• Document bankruptcy notices, plan information, statements of intention, case status, and required follow-up accurately and timely.
• Process and track bankruptcy payments, correspondence, notices, account updates, and specialized credit reporting codes.
• Communicate professionally with members, credit union staff, attorneys, trustees, and other vendors regarding bankruptcy matters.
• Escalate complex, sensitive, or exception bankruptcy items to the appropriate specialist, team lead, or management and assist with resolution as directed.

Charge-Offs

• Support charge-off account administration, including account research, recovery activity, payment posting and tracking, vendor placement, title release support, and account status updates.
• Maintain assigned charge-off queues and member records to ensure timely follow-up, accurate documentation, and compliance with applicable laws, regulations, and procedures.
• Process and track recovery payments, correspondence, notices, account updates, and specialized credit reporting codes.
• Communicate professionally with members, credit union staff, collection agencies, attorneys, and other vendors regarding charge-off and recovery matters.
• Escalate complex, sensitive, or exception charge-off items to the appropriate specialist, team lead, or management and assist with resolution as directed.
• Meet established productivity, quality, and service goals in a fast-paced environment and perform other duties as assigned.

EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS

• Minimum of 1 year of collections, bankruptcy, charge-off, credit reporting, and/or comparable financial services experience with measured success preferred.
• Minimum of 1 year of credit union or comparable financial institution experience.
• College experience preferred.

OTHER JOB QUALIFICATIONS

• Knowledge of laws/regulations, policies/procedures which affect job function.
• Effective analytical problem solving, organizational and planning skills.
• Ability to set priorities, multitask, and meet deadlines.
• Excellent interpersonal communication skills as well as effective public speaking skills.
• Strong motivational and influencing skills with demonstrated knowledge and understanding of financial services related products and overall financial services operations.

PHYSICAL REQUIREMENTS

To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation. Employee will be in an office environment (well-lighted, heated, and air-conditioned) typically stationed at a desk or table. Employee will be asked to sit and stand for various increments of time, and to lift/push up 10 lbs. Clerical office duties on various forms of technology are required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions. All positions that have lending responsibilities must comply with all requirements under the SAFE ACT, as well as the Credit Union’s policies and procedures related to the SAFE ACT. This includes an obligation on the employee’s part to ensure that NMLA registration pertaining to the SAFE ACT is kept current. The employee must notify the Credit Union within 30 days of any changes that need to be reflected on the NMLS registry.

EEO/EOE

Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any classification protected by federal, state, or local law.

Consistent with obligations under federal law, every company that is a federal contractor or subcontractor is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans.

We are an equal opportunity employer.

Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class.

Georgia’s Own Credit Union named to 2025 Top Workplaces USA list

Georgia’s Own Credit Union is proud to be named to the 2025 Top Workplaces USA list. Organizations must receive at least a 35% response rate on their employee engagement surveys to be considered for the Top Workplaces award from Energage. Questions range from employees’ experiences with work-life balance and their overall well-being to communication, innovation, and values within the organization.

As a full-service, not-for-profit financial institution, serving our members, giving back to our communities, and cultivating our employees is at the heart of what we do. That includes providing a flexible, innovative, engaging, and progressive work environment—just to name a few. We had an impressive participation rate of 75% in the employee engagement survey.

Below is what some of our incredible employees have to say about working for Georgia’s Own:

“In my work, I can be very flexible with my schedule, and I feel like I can contribute to the overall success of the company.”

“Georgia’s Own is truly a fabulous place to work. I love my job because regardless of what area, everyone is focused on ensuring that our members have what they need to succeed. And that’s a good mission!”

“I can contribute to the greater cause of providing our community with financial assistance to meet the dreams and needs of their families.”

“I love the people that I work with and the vision behind who Georgia’s Own is and continues to be. I love being a part of an organization that cares for the community, starting with their very own employees and members.”

We’re honored to be included among some of the most highly regarded organizations in the nation. This award would not have been possible without our extraordinary employees who work hand-in-hand to ensure our mission of Banking on Purpose remains the foundation of our work.

Banking on Purpose

While many things have changed throughout our long history as a credit union, acting with purpose—whether it’s serving our members, giving back to our communities, or cultivating our employees—has remained the foundation of what we do. Banking on Purpose explains our character and motivation. It drives our decision-making, and is the underlying reason why people should choose us as an employer and financial institution. Banking on Purpose is not just a tagline—it is our mission and vision, both internally and externally.

EEO/EOE

Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of actual or perceived age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any other characteristics protected by applicable federal, state, or local laws.

Consistent with obligations under federal law, Georgia’s Own is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans.