Collection Agent Jobs
Collection Agent jobs are open from entry-level to senior and supervisory roles across debt collection agencies, financial services, healthcare billing, and utilities, with specializations in medical debt recovery, auto loan collections, and commercial accounts. Scan the live roles below and apply to whichever ones fit.
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Debt Collector
$25.00 per hour with un-capped monthly commissions. Most of our Unit Manager Collectors are earning commissions of $1,000 to $6,000 per month in addition to their hourly pay.
This role’s primary responsibility is maximizing recovery on a high-volume high-dollar collection desk. Debts would largely be Credit Union and Healthcare related. Ability to prioritize accounts is essential. Must make a high volume of outbound calls daily. Must hit or exceed monthly recovery goals. Applicant would also participate in our automated dialer campaigns.
Ideal applicants should be collection professionals with previous third-party collection agency experience and be highly motivated and possess excellent communication/negotiation skills.
Applicants with related first party collection experience working in a fast-paced collection environment will be considered.
Must be able to pass a background check.
Merchants Credit offers Medical Dental and a 401K plan.
If you believe you would be a good fit here at our agency, contact Bryan Donnelly Collection Manager (425) 643-2613 Ext.112 for a brief phone interview.
Job Type: Full-time
Base Pay: From $25.00 per hour
Benefits:
- 401(k)
- 401(k) matching
- Health insurance
- Life insurance
- Paid sick time
- Paid time off
Ability to Commute:
- Redmond, WA 98052 (Required)
Work Location: In person
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Who's Hiring
What Employers Look For
The qualifications that appear most often in collection agent jobs.
- Knowledge of the Fair Debt Collection Practices Act and related compliance regulations
- Experience working outbound and inbound collection calls using auto-dialer software
- Proficiency with collection management systems such as CUBS, FACS, or similar platforms
- Ability to negotiate payment arrangements and settlements with past-due account holders
- High school diploma or equivalent, with some roles preferring an associate degree in business or finance
- Strong verbal communication skills with documented ability to meet recovery targets
Tips for Your Collection Agent Job Search
Tailor your resume for compliance keywords
Collection agent job listings frequently scan for terms like FDCPA compliance, skip tracing, and payment negotiation. Use the exact language from each posting in your resume so your application clears automated screening before a recruiter ever reads it.
Highlight your call volume and recovery metrics
Employers want proof you can handle a full queue and close accounts. Replace vague duties with measurable outcomes, like average daily call volume handled or types of accounts you worked, without fabricating numbers you can't back up in an interview.
Apply early to roles that fit
Migrate Mate lists collection agent openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Filter by account type before applying
Medical, auto, commercial, and consumer debt collections each have distinct compliance requirements and dialer environments. Targeting openings that match your actual account experience helps you write a sharper cover letter and answer interview questions more confidently.
Prepare a concise FDCPA knowledge summary
Interviewers for collection agent roles routinely ask situational questions about the Fair Debt Collection Practices Act. Walking through one real scenario where you de-escalated a dispute or handled a cease-and-desist request shows applied knowledge, not just textbook awareness.
Negotiate on total compensation, not base alone
Many collection agent roles include commission or bonus structures tied to recovery rates or call targets. Before accepting an offer, ask how the incentive plan is calculated and whether top performers consistently hit it, so you're comparing full earning potential across offers.
Collection Agent Jobs: Frequently Asked Questions
Which companies are hiring the most collection agents?
The most active employers for collection agents right now are Thrivos, Merchants Credit, and Coury Hospitality, and the most openings are in Ohio, Arizona, and Washington, based on current listings on Migrate Mate as of August 2026. Agencies specializing in healthcare and financial services tend to post the highest volume of openings consistently.
How many collection agent jobs are remote?
About 25% of collection agent openings are fully remote or hybrid as of August 2026, reflecting the shift toward cloud-based dialer platforms and remote compliance monitoring. Roles focused on consumer debt and medical billing tend to offer the most remote flexibility, while on-site work remains more common in auto and commercial collections.
How do you become a collection agent?
Most employers require a high school diploma and will train you on their specific software and compliance procedures before you take live calls. Familiarize yourself with the Fair Debt Collection Practices Act before interviewing, as questions about it are standard. Starting in entry-level customer service or billing roles builds transferable negotiation skills that make you a stronger candidate.
Can you get a collection agent job with little or no experience?
Yes, many agencies hire entry-level collection agents and provide on-the-job FDCPA training. Customer service experience that involved handling complaints, processing payments, or resolving billing disputes is viewed favorably, even if it wasn't formally in collections. Emphasizing your comfort with phone-based work and your ability to stay calm under pressure helps you compete against candidates with direct experience.
What does the collection agent interview process look like?
Most collection agent interviews include an initial phone screen focused on your availability and comfort with outbound calls, followed by an in-person or video interview with a team lead or hiring manager. Expect situational questions about handling irate debtors, applying FDCPA rules, and meeting recovery goals. Some employers also conduct a brief roleplay scenario to assess your negotiation style before extending an offer.
Where can I find and apply to collection agent jobs?
You can find and apply to collection agent jobs on Migrate Mate, which lists current openings from across the United States. Search the roles available, find the ones that match your experience and preferred work setting, and apply directly to each listing that fits.
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