Servicing Specialist

American Credit Acceptance, LLC; Spartanburg (SC); On-site; USD 23,000 - 25,000; Full time

Benefits offered by this job

Monthly incentive up to $200

Job summary

American Credit Acceptance, LLC is seeking a Servicing Specialist in Spartanburg, SC to engage customers about delinquent accounts and explore workable payment solutions. This role emphasizes empathetic, results-driven conversations and requires strong communication skills and a stable work history.

You will manage a portfolio, document activity, and work toward monthly performance goals in a fast-paced, metrics-driven environment.

Qualifications

• High School Diploma or GED.
• Strong communication skills (verbal and written).
• Ability to navigate multiple computer systems.
• Stable work history.
• Preferred: 1–3+ years in collections or customer service.
• Experience with auto-dialer systems is a plus.

Responsibilities

• Manage a portfolio of delinquent accounts (31+ days past due).
• Initiate and receive calls to resolve outstanding balances.
• Negotiate payment arrangements and next steps.
• Assess customer situations within policy guidelines.
• Utilize skip-tracing tools to locate updated information.
• Document activity accurately and handle escalated calls professionally.

Skills

Communication skills

Stable work history

Navigate computer systems

Education

High School Diploma or GED

Job description

Description

Onsite – Spartanburg, SC Start Date: October 5, 2026

Schedule: Mon – Fri, 8 AM – 5 PM (3 days a week) and 10 AM – 7 PM (2 days a week) Pay: $17–$18.50/hour (based on experience) Monthly Incentive: Up to $200 based on performance

At American Credit Acceptance, our mission is to help emerging credit consumers obtain affordable, reliable transportation. For many of our customers, their vehicle isn’t optional — it’s how they get to work, care for family, and move forward.

When customers fall behind, that’s where you come in.

As a Servicing Specialist, you’ll serve as a key point of connection between our company and our customers. You’ll have real conversations about finances, negotiate solutions, and help customers take the right next step — all while protecting the performance of the portfolio you manage.

This is not a script-reading role. It’s a performance-driven position that requires resilience, sound judgment, and the ability to balance empathy with accountability.

We hire at three levels (I–III) based on experience. Candidates with prior collections experience are strongly encouraged to apply. We also welcome professionals from customer service, sales, or other roles that required handling objections, meeting goals, and navigating difficult conversations.

What You’ll Do

• Manage a portfolio of delinquent accounts ranging from early to high-risk (31+ days past due)
• Initiate and receive calls (manual and auto-dialer) to resolve outstanding balances
• Negotiate payment arrangements and establish clear next steps
• Assess customer situations and make informed decisions within policy guidelines
• Utilize skip-tracing tools to locate updated customer information
• Document account activity accurately and thoroughly
• Handle escalated calls professionally
• Work toward monthly performance goals while maintaining a respectful customer experience

This role is fast-paced and metrics-driven. Success requires consistency, accountability, and the ability to stay focused and solution-oriented throughout the day.

What Makes You a Strong Fit

• You are comfortable asking for payment and discussing financial obligations
• You can stay calm and professional during challenging conversations
• You balance empathy with firmness
• You are motivated by goals and performance incentives
• You are coachable and continuously looking to improveYou bring sound judgment and attention to detail

Qualifications

Required

• High School Diploma or GED
• Strong communication skills (verbal and written)
• Ability to navigate multiple computer systems
• Stable work history

Preferred

• 1–3+ years of collections experience
• OR experience in customer service, sales, or another role requiring negotiation and goal achievement
• Experience using an auto-dialer system
• Demonstrated history of meeting or exceeding performance goals
• College coursework or degree

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.