Skip Tracer/Deficiency Collector – Auto Finance

Southern Auto Finance Company, LLC; Pompano Beach (FL); On-site; USD 45,000 - 65,000; Full time

Job summary

SAFCO is seeking an experienced Skip Tracer/Deficiency Collector for our auto finance portfolio, based in Pompano Beach, FL. This onsite role demands proactive investigation, customer engagement, and negotiation to maximize recoveries.

Ideal candidates bring non-prime portfolio experience, knowledge of repossession and deficiency processes, and the ability to engage hard-to-reach customers. Fluency in English/Spanish is a plus.

Qualifications

• Experience in auto finance collections or skip-tracing is required.
• Experience with non-prime portfolios and complex recovery accounts.
• Knowledge of repossession, deficiency, and recovery processes.
• Ability to locate and engage difficult-to-reach customers.
• Strong communication and negotiation skills.
• Experience using skip-tracing systems, dialers, and loan-servicing platforms.
• Bilingual English/Spanish is a plus.

Responsibilities

• Locate difficult-to-find customers using skip-tracing tools and techniques.
• Manage delinquent and deficiency accounts through inbound and outbound communication.
• Negotiate repayment arrangements and settlements.
• Coordinate with recovery agents and national forwarding companies.
• Manage repossession and recovery activity with outside vendors.
• Meet outbound-call and recovery performance expectations.
• Maintain complete and timely account documentation.
• Follow FDCPA and company compliance standards.
• Develop solutions for complex accounts that resisted recovery.

Skills

Skip tracing

Collections

Negotiation

Communication

Problem-solving

Skip-tracing systems

Bilingual English/Spanish

Job description

Position:Skip Tracer/Deficiency Collector – Auto Finance

Location: Pompano Beach, FL

Job Id:296

# of Openings:0

Skip Tracer/Deficiency Collector – Auto Finance

Find Solutions. Drive Recoveries. Build Your Future.

Are you an experienced auto finance skip tracer who knows how to locate hard-to-find customers, negotiate effective resolutions, and deliver measurable recoveries?

SAFCO is seeking a resourceful and results-driven Skip Tracer / Deficiency Collector to work complex accounts within our non-prime auto finance portfolio. This role requires more than making calls—you’ll investigate, build customer engagement, negotiate solutions, and resolve accounts others cannot.

This position is based at our Pompano Beach, Florida-area headquarters and requires onsite attendance five days per week. Hybrid and remote arrangements are not available.

What You’ll Do

• Locate difficult-to-find customers using advanced skip-tracing tools and investigative techniques
• Manage delinquent and deficiency accounts through inbound and outbound communication
• Negotiate repayment arrangements, settlements, and voluntary surrenders
• Coordinate with direct recovery agents and national forwarding companies
• Manage repossession and recovery activity with outside vendors
• Meet established outbound-call, recovery, and other performance expectations
• Maintain complete, accurate, and timely account documentation
• Follow all applicable FDCPA requirements and company compliance standards
• Develop solutions for complex accounts that have resisted previous recovery efforts

What You’ll Bring

• Previous auto finance collections or skip-tracing experience required
• Experience working non-prime portfolios and complex recovery accounts
• Strong understanding of repossession, deficiency, and recovery processes
• Demonstrated ability to locate and engage difficult-to-reach customers
• Effective communication, negotiation, and problem-solving skills
• Experience using skip-tracing systems, dialers, and loan-servicing platforms
• Ability to work in a goal-driven environment with established performance standards
• Bilingual English/Spanish skills are a plus

At SAFCO, we believe talented people should have the opportunity to build meaningful careers and share in the results they help create.

Potential

Bring your investigative instincts, persistence, and recovery experience to a role where those strengths are recognized and valued.

Opportunity

Take ownership of challenging, high-value accounts and make a visible impact on team and company performance.

Prosperity

Earn competitive base pay plus a performance-driven incentive plan. Your ability to locate customers, resolve accounts, and generate recoveries can directly increase your earning potential.

Are You Ready?

This opportunity is best suited for an experienced skip tracer or deficiency collector who understands non-prime auto finance and does not give up when an account becomes difficult.

We are an EOE/drug-free workplace.

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