Credit Collections Specialist Jobs
Credit Collections Specialist jobs are open across banking, healthcare, fintech, and consumer lending, from entry-level collector to senior specialist and collections supervisor, with specializations in medical billing recovery, commercial debt, and accounts receivable management. See the openings below and apply to the ones that match your experience.
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- Help design, implement and continuously improve the collections process to minimize collection risk while maintaining the customer relationship.
- Provide support to internal customers (Sales Service Reps and Account Managers) through meaningful metrics, standard reports, credit evaluation and collections trends.
- Monitor US & Canadian AR aging reports for assigned customers.
- Expedite collection of receivables for assigned accounts.
- Remove roadblocks through cooperative problem resolution and relationship building.
- Ensure payment remittances are received and processed in a timely and accurate manner.
- Collaboratively work with the AR Cash Applications Analyst to ensure payments or credits on account that are unapplied to invoices are researched and resolved timely.
- Use spreadsheets to analyze discrepancies between customer and company receivable details.
- Communicate with Sales Service Reps and Account Managers to provide information on customer delinquencies and credit issues and participate in the development and implementation of solutions.
- Access and understand D&B and CRM credit reports and provide credit-related input to Management for customer decisions.
- Communicate with customers and document the information obtained from these communications.
- Willingness to cross-train and serve as a backup for the essential functions of other teammates.
- Experience resolving high-volume discrepancies that warrant in-depth investigations and implementing process improvements.
- Energetic, eager to learn, process-improvement driven, well organized and self-motivated.
- Experience in dealing with large customers on a commercial level.
- Good computer and typing skills.
- Excellent verbal and written communication skills, including the ability to effectively communicate with internal and external customers.
- Able to work under pressure and meet deadlines, while maintaining a positive attitude and providing exemplary customer service.
- Able to work independently and complete assignments within parameters of provided instructions, prescribed routines and standard practices.
- Bachelor degree in Business Administration, Accounting or Finance preferred
- Five + years of credit and collections experience, including the evaluation of customer credit
- Working knowledge of SAP business system software is strongly preferred
- Proficient in Microsoft Office applications (Word and Excel) a plus
- Exposure to international collections a plus
- This individual must have commercial experience
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Who's Hiring



Top Industries Hiring
- Agriculture & Farming
- Staffing & Recruiting
- Technology & Software
- Distribution & Wholesale
What Employers Look For
The qualifications that appear most often in credit collections specialist jobs.
- 1-3 years of experience in debt collections, accounts receivable, or a related billing role
- Working knowledge of the Fair Debt Collection Practices Act and relevant compliance regulations
- Proficiency with collections software such as CUBS, Ontario Systems, or similar platforms
- Strong verbal and written communication skills for negotiating payment arrangements with debtors
- High school diploma or equivalent required, associate or bachelor's degree preferred by many employers
- Experience with skip-tracing tools and credit reporting systems to locate and contact debtors
Tips for Your Credit Collections Specialist Job Search
Quantify your recovery metrics on your resume
Hiring managers in collections want to see numbers. List your average monthly recovered amount, your contact-to-payment conversion rate, or how far you reduced delinquency ratios. Vague claims about communication skills won't move your application forward the way a concrete result will.
Highlight FDCPA compliance knowledge clearly
Many applicants skip mentioning Fair Debt Collection Practices Act familiarity, assuming it's implied. Call it out directly on your resume and in cover letters. Employers screening for compliance-aware candidates will shortlist you faster when it appears as a named competency, not buried in a job duty.
Apply early to roles that fit
Migrate Mate lists credit collections specialist openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Filter openings by the debt portfolio type
Medical debt, commercial accounts, and consumer revolving credit require different skills and scripts. When searching, target postings that name the portfolio type you have experience with. Your resume should mirror that same language so it clears automated screening quickly.
Prepare a skip-tracing or collections software example
Interviewers frequently ask you to walk through how you located an unresponsive debtor or worked a high-volume queue. Have a specific example ready that covers the tool you used, your approach, and the outcome. Generic answers about being persistent rarely satisfy a collections manager.
Negotiate compensation using total-comp framing
Collections roles often include base pay plus performance bonuses tied to recovery rates. When discussing offers, ask how the bonus structure is calculated and how achievable the targets have been for the existing team. That question surfaces real earning potential better than focusing on base salary alone.
Credit Collections Specialist Jobs: Frequently Asked Questions
Which companies are hiring the most credit collections specialists?
The companies hiring the most credit collections specialists right now include Julius Silvert, EPB, and QUAD, with the largest share of openings in Pennsylvania, Illinois, and Ohio, based on current listings on Migrate Mate as of November 2026. Healthcare systems, consumer lenders, and third-party collections agencies consistently account for the bulk of active postings.
How many credit collections specialist jobs are remote?
About 73% of credit collections specialist openings are fully remote or hybrid as of November 2026, reflecting strong employer comfort with phone-based roles operating off-site. Positions focused on consumer debt recovery and medical billing follow-up tend to have the highest share of remote availability compared to in-office commercial collections roles.
How do you become a credit collections specialist?
Start by earning at least a high school diploma, then build familiarity with the Fair Debt Collection Practices Act and basic credit reporting concepts. Entry-level roles in customer service, billing, or accounts receivable give you transferable experience. From there, employers typically train you on their specific collections software and internal call scripts before you work accounts independently.
Can you get hired as a credit collections specialist with little experience?
Yes, many employers hire candidates with no direct collections background if you can demonstrate strong phone communication skills, comfort with conflict resolution, and a basic understanding of billing or payment processes. Roles in customer service, call centers, or medical billing are common entry points that collections hiring managers treat as equivalent experience.
What does the credit collections specialist interview process look like?
Most collections interviews include a phone or video screen focused on your communication style, followed by one or two in-person or virtual rounds. Expect situational questions about handling difficult debtors, negotiating payment plans, and staying compliant under pressure. Some employers include a brief role-play exercise where you practice a mock collections call before an offer is extended.
Where can I find and apply to credit collections specialist jobs?
You can find and apply to credit collections specialist 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 portfolio background, then apply directly to each one that fits.
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Find roles that match your experience and apply in just a few clicks.
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