Repo Recovery Specialist

American Credit Acceptance; Spartanburg (SC); On-site; USD 36,000 - 48,000; Full time

Job summary

American Credit Acceptance, LLC is seeking a Repo Recovery Specialist in Spartanburg, SC. You will help ensure accuracy and compliance in repossession decisions while coordinating with vendors, counsel, and internal teams.

The role requires a high school diploma or GED and preferably 1+ year of collections experience. You’ll analyze accounts, document findings, and support loss mitigation processes with meticulous attention to detail.

Qualifications

• High School diploma or GED required; 1+ year of collections experience preferred.
• Strong problem-solving and ability to prioritize independently.
• Excellent written and verbal communication.
• Detail-oriented in a process-driven environment.

Responsibilities

• Communicate with customers and external counsel on Replevin matters.
• Review and analyze accounts to determine repossession eligibility and recovery opportunities.
• Perform quality assurance and internal control reviews to ensure accuracy of transactions, letters, and system codes.
• Investigate issues, identify root causes, and document findings and resolutions.
• Assign accounts for repossession or other outside action based on established parameters.
• Manage repossession invoices, reinstatement extensions, and control reports.
• Work directly with repossession vendors and auctions to support account resolution.
• Maintain accurate documentation and reporting for audits, reviews, and leadership visibility.
• Participate in special projects and perform other duties as assigned.

Skills

Problem solving

Attention to detail

Communication skills

Education

HS Diploma or GED

Job description

Description

At American Credit Acceptance, our mission is to help emerging credit consumers obtain affordable, reliable transportation—and that mission doesn’t stop once a contract is signed. As a Repo Recovery Specialist, you play a key role behind the scenes, ensuring decisions are accurate, compliant, and aligned with both customer impact and business risk.

This role blends analysis, quality assurance, and operational decision-making. You will use sound judgment, strong attention to detail, and effective partnership with internal teams and external vendors to support repossession activity and identify opportunities for recovery. Through every interaction, you’ll be guided by our commitment to integrity, accountability, and partnership, helping ensure the Loss Mitigation process is executed correctly and consistently.

About Repo Recovery

The Repo Recovery team focuses on accounts that require independent decision-making, investigation, and control oversight. In this role, specialists work closely with repossession vendors, auctions, and internal partners to ensure repossession-related activity is accurate, compliant, and properly documented.

You’ll support these efforts by:

• Reviewing account activity and documentation to determine appropriate next steps
• Ensuring accuracy and consistency across manual and automated communications
• Partnering with internal teams and external vendors to resolve issues and maintain process controls
• Identifying risks, trends, and recovery opportunities and escalating findings when needed

This team plays a critical role in minimizing loss, ensuring compliance, and protecting the integrity of Loss Mitigation operations.

What You’ll Do

• Communicate with customers and external counsel on Replevin matters.
• Review and analyze accounts to determine repossession eligibility and recovery opportunities
• Perform quality assurance and internal control reviews to ensure accuracy of transactions, letters, and system codes
• Investigate issues, identify root causes, and document findings and resolutions
• Assign accounts for repossession or other outside action based on established parameters
• Manage repossession invoices, reinstatement extensions, and control reports
• Work directly with repossession vendors and auctions to support account resolution
• Maintain accurate documentation and reporting for audits, reviews, and leadership visibility
• Participate in special projects and perform other duties as assigned

What You Bring

• Strong problem-solving skills with the ability to prioritize and work independently
• High attention to detail and accuracy in a process-driven environment
• Comfort navigating multiple systems, screens, and tools simultaneously
• Excellent written and verbal communication skills
• High School diploma or GED required; 1+ year of collections experience preferred
• Proven ability to multitask and manage competing priorities
• Prior experience with repossession, recovery, or quality assurance is a plus

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

EEO Statement

ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. ACA complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.

California Privacy Notice

As an employer of California residents, we are dedicated to protecting your privacy rights. Any personal information you provide during the application process will be used solely for permitted internal purposes and will be handled in accordance with applicable privacy laws. By applying to this position, you consent to the collection, use, and disclosure of your personal information as described in our Employee Privacy Notice.