Collections Representative Jobs
Collections Representative jobs are open across financial services, healthcare, utilities, and consumer lending, at levels from entry-level to senior and team lead, with specializations in third-party collections, medical billing recovery, and commercial debt. Find a role that fits from the openings below and apply directly.
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INTRODUCTION
CarMax, the way your career should be! Resolve customer issues while working for an industry leader.
At CarMax Auto Finance we put the needs of our customers first, while helping to make the car buying experience better. Exceptional customer service is at the heart of everything we do and drives CarMax to be industry leaders. You’ll work with different departments and teams to help resolve customer questions/issues, and help to influence and educate customers on their account. In this role you will work with our customers to ensure their car buying experience has been an excellent one and keep CarMax as the company of choice for car buying. This is a hybrid work arrangement after 90 days and successful performance in role.
ROLE AND RESPONSIBILITIES
- Make outbound collection calls in addition to taking incoming calls to/from customers and influence customers to make payments on the past due account.
- Educate customers regarding their account, finance charges accruals, late fees, credit reporting, payment options and account management options all while annotating accounts in inter-company systems to document all interactions.
- Advise customers of the status of their account by reviewing account information and influencing customers to make payments on the account.
- Work with other departments/personnel where necessary to resolve customer concerns.
- Perform the above functions while meeting department expectations.
Improve customer experience with every interaction
Empathy with our customers, and transparency in every interaction are vital to your success. From dealing with complex customer issues to posting payments, you will balance the needs of our customers with meeting the metrics and expectations of your position. You will effectively resolve customer issues, while helping CarMax Auto Finance to meet their bottom line and performing all tasks in accordance with applicable policies/laws.
BASIC QUALIFICATIONS
- High school diploma or 1 month related experience/training.
- Basic to moderate computer knowledge and keyboard skills including minimum accuracy requirements.
- Multi-task in a high energy standard office environment.
- Speak and listen effectively with CarMax customers via phone and tolerate stressful interactions with customers.
- Ability to recognize problems, resolve or escalate as needed, including using a variety of talk offs to influence the customer to make a payment to keep the account current.
ABOUT CARMAX
CarMax disrupted the auto industry by delivering the honest, transparent, and high-integrity experience customers want and deserve. This innovative thinking around the way cars are bought and sold has helped us become the nation’s largest retailer of used cars, with over 200 locations nationwide.
Our amazing team of more than 25,000 associates work together to deliver iconic customer experiences. Along the way, we help every associate grow their career and achieve their best, at work and in their community. We are recognized for our commitment to training and diversity and are one of the FORTUNE 100 Best Companies to Work For®.
CarMax is an equal opportunity employer, and all qualified candidates will receive consideration for employment without regard to race, color, age, religion, sex, sexual orientation, gender identity, genetic information, national origin, protected veteran status, disability status, or any other characteristic protected by law.
Upon an applicant's request, CarMax will consider reasonable accommodation to complete the CarMax Job Application.
LOCATION
9002 - Carmax Auto Finance - 225 Chastain Meadows Ct NW, Kennesaw, Georgia, 30144
INTRODUCTION
CarMax, the way your career should be! Resolve customer issues while working for an industry leader.
At CarMax Auto Finance we put the needs of our customers first, while helping to make the car buying experience better. Exceptional customer service is at the heart of everything we do and drives CarMax to be industry leaders. You’ll work with different departments and teams to help resolve customer questions/issues, and help to influence and educate customers on their account. In this role you will work with our customers to ensure their car buying experience has been an excellent one and keep CarMax as the company of choice for car buying. This is a hybrid work arrangement after 90 days and successful performance in role.
ROLE AND RESPONSIBILITIES
- Make outbound collection calls in addition to taking incoming calls to/from customers and influence customers to make payments on the past due account.
- Educate customers regarding their account, finance charges accruals, late fees, credit reporting, payment options and account management options all while annotating accounts in inter-company systems to document all interactions.
- Advise customers of the status of their account by reviewing account information and influencing customers to make payments on the account.
- Work with other departments/personnel where necessary to resolve customer concerns.
- Perform the above functions while meeting department expectations.
Improve customer experience with every interaction
Empathy with our customers, and transparency in every interaction are vital to your success. From dealing with complex customer issues to posting payments, you will balance the needs of our customers with meeting the metrics and expectations of your position. You will effectively resolve customer issues, while helping CarMax Auto Finance to meet their bottom line and performing all tasks in accordance with applicable policies/laws.
BASIC QUALIFICATIONS
- High school diploma or 1 month related experience/training.
- Basic to moderate computer knowledge and keyboard skills including minimum accuracy requirements.
- Multi-task in a high energy standard office environment.
- Speak and listen effectively with CarMax customers via phone and tolerate stressful interactions with customers.
- Ability to recognize problems, resolve or escalate as needed, including using a variety of talk offs to influence the customer to make a payment to keep the account current.
ABOUT CARMAX
CarMax disrupted the auto industry by delivering the honest, transparent, and high-integrity experience customers want and deserve. This innovative thinking around the way cars are bought and sold has helped us become the nation’s largest retailer of used cars, with over 200 locations nationwide.
Our amazing team of more than 25,000 associates work together to deliver iconic customer experiences. Along the way, we help every associate grow their career and achieve their best, at work and in their community. We are recognized for our commitment to training and diversity and are one of the FORTUNE 100 Best Companies to Work For®.
CarMax is an equal opportunity employer, and all qualified candidates will receive consideration for employment without regard to race, color, age, religion, sex, sexual orientation, gender identity, genetic information, national origin, protected veteran status, disability status, or any other characteristic protected by law.
Upon an applicant's request, CarMax will consider reasonable accommodation to complete the CarMax Job Application.
LOCATION
9002 - Carmax Auto Finance - 225 Chastain Meadows Ct NW, Kennesaw, Georgia, 30144
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Find JobsCollections Representative Job Market
A snapshot from current openings nationwide, updated as new roles post.
Who's Hiring
- University of California - San Francisco5
- Northstar Location Services4
- Prog Leasing3
- Quest Diagnostics3
- Broward Health2
Top Industries Hiring
- Healthcare & Medical Services9
- Banking & Financial Services7
- Education6
- Hospitality & Tourism2
- Automotive1
What Employers Look For
The qualifications that appear most often in collections representative jobs.
- One or more years of outbound collections or accounts receivable experience
- Working knowledge of the Fair Debt Collection Practices Act and applicable state laws
- Proficiency with collections management software or CRM platforms
- Strong verbal communication skills with demonstrated ability to negotiate payment arrangements
- High school diploma or GED, with an associate or bachelor's degree preferred for senior roles
- Experience meeting daily call volume and monthly recovery quota targets
Tips for Your Collections Representative Job Search
Tailor your resume to compliance language
Collections roles are heavily regulated, so your resume should name the compliance frameworks you've worked under, such as the Fair Debt Collection Practices Act. Hiring managers look for this language immediately, and its absence can eliminate you before a phone screen.
Highlight specific collection software by name
Generic phrases like 'collections software' won't move your application forward. Name the platforms you've used, whether that's CUBS, Latitude, FICO Debt Manager, or a proprietary dialer. Matching the system listed in a job posting is a fast way to stand out.
Apply early to roles that fit
Migrate Mate lists collections representative openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Quantify your recovery and contact metrics
Collections hiring managers expect to see numbers on your resume, even rough ones. Recovery rate, average daily call volume, and accounts resolved per month all signal performance. If your previous employer tracked these, include them in context so the figures are meaningful.
Prepare for a mock call in your interview
Many collections interviews include a role-play scenario where you handle a resistant debtor. Practice staying firm but professional, paraphrasing what the 'debtor' says before responding, and offering a structured payment plan without going off-script on terms you can't authorize.
Follow up with a compliance-aware thank-you note
After your interview, a brief follow-up that references a specific compliance or process detail you discussed signals that you understand the regulatory weight of the role. It distinguishes you from candidates who send a generic note or skip follow-up entirely.
Collections Representative Jobs: Frequently Asked Questions
Which companies are hiring the most collections representatives?
The companies hiring the most collections representatives right now include University of California - San Francisco, Northstar Location Services, and Prog Leasing, with the largest share of openings in California, Texas, and Florida, based on current listings on Migrate Mate as of June 2026. Financial services firms, healthcare revenue cycle companies, and third-party collection agencies consistently post the highest volumes.
How many collections representative jobs are remote?
About 36% of collections representative openings are fully remote or hybrid as of June 2026, making it one of the more flexible roles in financial services. Positions focused on inbound payment arrangements and account management tend to be the most remote-friendly, while roles requiring in-person skip tracing or courthouse record access skew on-site.
How do you become a collections representative?
Start by earning a high school diploma or GED, then apply to entry-level accounts receivable or customer service roles to build comfort with payment conversations. Study the Fair Debt Collection Practices Act so you can speak to compliance in interviews. Gaining experience on a dialer-based team and learning one or two collections platforms strengthens your candidacy for higher-volume roles.
Can you get hired as a collections representative with little or no experience?
Yes, many employers hire entry-level collections representatives with no direct collections background if you have customer service, call center, or billing experience. Demonstrating familiarity with the Fair Debt Collection Practices Act, even self-studied, and showing you can handle difficult conversations calmly will set you apart from other candidates who rely on enthusiasm alone.
What does the collections representative interview process look like?
Most collections interviews begin with a phone screen focused on your experience with difficult conversations and compliance knowledge, followed by an in-person or video interview with a hiring manager. A role-play scenario simulating a debtor call is common at mid-size and large employers. Final rounds may include a background check and a review of any previous collection metrics or performance records.
Where can I find and apply to collections representative jobs?
You can find and apply to collections representative jobs on Migrate Mate, which lists current openings from employers across the United States. Search the listings to find roles that match your experience level and specialization, then apply directly to each one that fits.
See All 33+ Collections Representative Jobs
Jump back to the full list of openings and apply to any collections representative role that fits.
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