Recovery Collections/Legal Recovery

Chapman Automotive Group; Scottsdale (AZ); On-site; USD 26,000 - 30,000; Full time

Benefits offered by this job

Competitive hourly pay

Monthly performance bonuses

Professional development

Employee discounts

Volunteer opportunities

Job summary

Chapman Automotive Group is seeking an experienced Recovery Collections/Legal Recovery leader to drive high-risk portfolio recovery efforts in Scottsdale, AZ. The role demands deep subprime expertise, advanced skip tracing, and the ability to negotiate settlements while preserving borrower dignity.

You will own escalated accounts, guide strategy, and mentor junior collectors. Expect compliance with FDCPA and state laws, plus a collaborative team environment and performance bonuses.

Qualifications

• 4+ years of collections experience with subprime portfolios.
• 3+ years in senior/lead/management-level collections role.
• Demonstrated success recovering high-risk/subprime accounts.
• Advanced skip tracing expertise and digital footprint research.
• Strong negotiation skills for creative repayment solutions.
• High emotional intelligence to communicate with distressed borrowers.
• Knowledge of consumer protection laws and regulatory compliance.
• Strong analytical and reporting skills.

Responsibilities

• Manage delinquent/subprime loan accounts across early to late stages of collections.
• Use advanced skip tracing to locate borrowers and collateral using databases, credit bureau data, public records, and digital research.
• Negotiate repayment plans, settlements, restructures, and hardship modifications tailored to subprime profiles.
• Evaluate borrower financial capacity and recommend loss mitigation strategies.
• Lead recovery on escalated or high-balance or legally sensitive accounts.
• Ensure strict FDCPA and state law compliance and company policies.
• Monitor portfolio trends by subprime risk tier and adjust strategy to improve recoveries.
• Mentor junior collectors handling subprime accounts.

Skills

Subprime strategy

Skip tracing

Negotiation

Emotional intelligence

Regulatory compliance

Leadership

Analytics

Job description

Position Overview

We are seeking an experienced and strategic Recovery Collections/Legal Recovery person to lead high-risk portfolio recovery efforts. This role requires deep expertise in subprime loan performance, advanced skip tracing capabilities, strong negotiation skills, and the emotional intelligence necessary to work effectively with financially vulnerable borrowers.

The ideal candidate understands the nuances of subprime lending — higher default risk, complex borrower situations, and the need to balance recovery performance with compliance and customer dignity. This individual will take ownership of escalated accounts, guide collection strategy, and drive measurable recovery results.

Key Responsibilities

• Manage and resolve delinquent and/or charged-off subprime loan accounts across early, mid, and late stages of collections.
• Execute advanced skip tracing strategies to locate borrowers and collateral using third-party databases, credit bureau data, public records, digital research, and investigative tools.
• Negotiate repayment plans, settlements, restructures, and hardship modifications tailored to subprime borrower profiles.
• Evaluate borrower financial capacity and recommend appropriate loss mitigation strategies.
• Lead recovery efforts on escalated, high-balance, or legally sensitive accounts.
• Ensure strict compliance with FDCPA and other state laws, and company policies.
• Monitor portfolio trends specific to subprime risk tiers and recommend strategy adjustments to improve roll rates and recoveries.
• Mentor and support junior collectors handling subprime accounts.
• Coordinate with repossession vendors, legal counsel, bankruptcy teams, and external agencies as needed.
• Maintain detailed documentation of all borrower interactions and collection activities.

Required Qualifications

• 4+ years of collections experience, with direct experience managing subprime loan portfolios.
• 3+ years in a senior, lead, or management-level collections role.
• Demonstrated success recovering high-risk or subprime accounts.
• Advanced skip tracing expertise, including experience using skip tools, public records searches, credit analysis, and digital footprint research.
• Strong negotiation skills with the ability to structure creative repayment solutions.
• High emotional intelligence and the ability to communicate professionally with distressed borrowers.
• In-depth knowledge of consumer protection laws and regulatory compliance.
• Strong analytical and reporting skills.

Preferred Qualifications

• Experience in subprime auto finance, unsecured auto loans and installment lending.
• Bilingual (Spanish preferred).
• Experience managing repossession and post-charge-off recovery processes.

Core Competencies

• Subprime Portfolio Strategy
• Advanced Skip Tracing & Investigation
• High-Level Negotiation
• Empathy & De-escalation
• Risk Mitigation
• Regulatory Compliance
• Leadership & Accountability
• Results-Driven Performance

What We Offer

• Competitive Compensation! Ranging from $19 - $22 per hour depending on experience, plus monthly performance bonuses averaging $1000 per month.
• Professional Development: Access ongoing training and growth opportunities to advance your career.
• Supportive Team Environment: Join a collaborative team where your contributions are valued.
• Employee/Family Discounts: Enjoy discounts on vehicle purchases and services for you and your family.
• Volunteer Opportunities and more!