Senior Collections Specialist – Fintech & Commercial Finance
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What you'll do
- Manage and prioritize a portfolio of high-balance, complex delinquent commercial accounts based on risk, balance, and aging.
- Evaluate business cash flow and financial health to structure viable repayment plans, settlements, and workout arrangements within authority limits.
- Act as the primary escalation point for sensitive, high-value, or severe risk collections cases.
- Conduct due diligence, financial research, and risk evaluations to minimize losses and prevent pre-charge-offs.
- Track, analyze, and report portfolio performance metrics and delinquency trends directly to management.
- Ensure strict adherence to FDCPA standards, state/federal regulations, and internal compliance protocols.
- Partner cross-functionally with Legal, Finance, Customer Service, and Sales teams to resolve root causes of recurring payment defaults.
- Mentor junior collections team members on negotiation best practices, compliance, and dispute resolution.
What they're looking for
- Experience: 5+ years of collections experience handling complex, high-balance, or high-risk accounts within fintech, merchant cash advance (MCA), commercial lending, or B2B financial services.
- Education: Bachelor’s degree in Finance, Business Administration, or related field (or equivalent practical experience).
- Communication: Exceptional verbal and written English skills (C1/C2) with proven de-escalation, conflict-resolution, and negotiation capabilities.
- Technical Skills: Proficiency with CRM systems, collections software, ACH banking processes, and Microsoft Excel.
- Regulatory Knowledge: Deep understanding of FDCPA guidelines and U.S. commercial collections regulations.
Summarised by NextRaise from the employer’s description, which follows in full below.
Full description from employer
About Truelogic
At Truelogic we are a leading provider of nearshore staff augmentation services headquartered in New York. For over two decades, we’ve been delivering top-tier technology solutions to companies of all sizes, from innovative startups to industry leaders, helping them achieve their digital transformation goals.
Our team of 600+ highly skilled tech professionals, based in Latin America, drives digital disruption by partnering with U.S. companies on their most impactful projects. Whether collaborating with Fortune 500 giants or scaling startups, we deliver results that make a difference.
By applying for this position, you’re taking the first step in joining a dynamic team that values your expertise and aspirations. We aim to align your skills with opportunities that foster exceptional career growth and success while contributing to transformative projects that shape the future.
Our Client
A technology-enabled, leading U.S. financial services provider specializing in fast, flexible working capital and revenue-based financing solutions for small and medium-sized businesses across the nation.
Job Summary
The Senior Collections Specialist plays a vital role in protecting company capital and maintaining healthy client relationships across a past-due portfolio. Managing complex, high-balance commercial accounts, this position evaluates financial hardship, negotiates structured workout plans, and drives loss mitigation efforts while ensuring strict compliance with regulations. Operating fully remotely in LATAM during U.S. business hours, the ideal candidate brings strong analytical judgment, expert negotiation skills, and commercial finance background to resolve delinquent accounts without compromising customer trust.
Responsibilities
Manage and prioritize a portfolio of high-balance, complex delinquent commercial accounts based on risk, balance, and aging.
Evaluate business cash flow and financial health to structure viable repayment plans, settlements, and workout arrangements within authority limits.
Act as the primary escalation point for sensitive, high-value, or severe risk collections cases.
Conduct due diligence, financial research, and risk evaluations to minimize losses and prevent pre-charge-offs.
Track, analyze, and report portfolio performance metrics and delinquency trends directly to management.
Ensure strict adherence to FDCPA standards, state/federal regulations, and internal compliance protocols.
Partner cross-functionally with Legal, Finance, Customer Service, and Sales teams to resolve root causes of recurring payment defaults.
Mentor junior collections team members on negotiation best practices, compliance, and dispute resolution.
Qualifications and Job Requirements
Experience: 5+ years of collections experience handling complex, high-balance, or high-risk accounts within fintech, merchant cash advance (MCA), commercial lending, or B2B financial services.
Education: Bachelor’s degree in Finance, Business Administration, or related field (or equivalent practical experience).
Communication: Exceptional verbal and written English skills (C1/C2) with proven de-escalation, conflict-resolution, and negotiation capabilities.
Technical Skills: Proficiency with CRM systems, collections software, ACH banking processes, and Microsoft Excel.
Regulatory Knowledge: Deep understanding of FDCPA guidelines and U.S. commercial collections regulations.
What We Offer
100% Remote Work: Enjoy the freedom to work from the location that helps you thrive. All it takes is a laptop and a reliable internet connection.
Highly Competitive USD Pay: Earn an excellent, market-leading compensation in USD, that goes beyond typical market offerings.
Paid Time Off: We value your well-being. Our paid time off policies ensure you have the chance to unwind and recharge when needed.
Work with Autonomy: Enjoy the freedom to manage your time as long as the work gets done. Focus on results, not the clock.
Work with Top American Companies: Grow your expertise working on innovative, high-impact projects with Industry-Leading U.S. Companies.
Why You’ll Like Working Here
A Culture That Values You: We prioritize well-being and work-life balance, offering engagement activities and fostering dynamic teams to ensure you thrive both personally and professionally.
Diverse, Global Network: Connect with over 600 professionals in 25+ countries, expand your network, and collaborate with a multicultural team from Latin America.
Team Up with Skilled Professionals: Join forces with senior talent. All of our team members are seasoned experts, ensuring you're working with the best in your field.
Company
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