Credit Representative Jobs
Credit Representative jobs are open across banking, fintech, retail credit, and collections agencies, at every level from entry-level to senior, with specializations in consumer credit, commercial accounts, and collections. See the openings below and apply to the ones that match your experience.
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Showing 5 of 14+ Credit Representative jobs
Judgment Recovery Specialist (Experienced Collector) – Summit Judgments
Murrieta, CA | $17/hr + up to 25% commission | Mon–Fri, 9am–4pm
Love the thrill of the close? Let’s talk.
At Summit Judgments, we help people collect money the court has already said they’re owed. That makes every recovery a real win, and with up to 25% commission, a lot of those wins are yours.
What’s in it for you:
- $17/hour base pay, paid weekly, so you always have steady money coming in
- Up to 25% commission on top of your base pay, UNCAPPED COMMISSION
- Commission paid monthly, between the 10th and 25th
- Weekly incentives and giveaways, because we like to keep things exciting
- ☀ Monday–Friday, 9am–4pm with a full hour for lunch. Optional Saturdays are available if you want extra hours.
- A small team that celebrates the wins together
What you’ll do:
- Track down and contact judgment debtors
- Negotiate payment arrangements and settlements
- Keep accurate records and follow up on every account
Who we’re looking for:
- At least 1 year of collections experience is required
- Confident, persistent, and good on the phone
- Knowledge of FDCPA and California collection laws is a big plus
Ready to turn your collections skills into serious paychecks? Apply now on Indeed!
Pay: From $17.00 per hour
Expected hours: 35.0 – 40.0 per week
Benefits:
- 401(k)
- Paid sick time
- Paid training
Work Location: In person
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Find Credit Representative JobsCredit Representative Job Market
Who's Hiring
Top Industries Hiring
- Distribution & Wholesale
What Employers Look For
The qualifications that appear most often in credit representative jobs.
- 1-3 years of experience in credit, collections, or accounts receivable
- Proficiency with credit management or collections software and ATS systems
- Working knowledge of FDCPA, FCRA, and applicable state credit regulations
- Strong verbal and written communication skills for debtor and client contact
- Associate or bachelor's degree in finance, business, or a related field
- Experience interpreting credit reports and financial statements from major bureaus
Tips for Your Credit Representative Job Search
Tailor your resume for credit metrics
Credit representative roles expect quantifiable results, so replace vague duties with concrete outcomes like delinquency rates reduced, accounts resolved, or collection ratios improved. Hiring managers in this field read numbers before they read job titles.
Highlight your FDCPA and FCRA knowledge
Many applicants skip compliance familiarity on their resume because they assume it's implied. It's not. Call out your working knowledge of the Fair Debt Collection Practices Act and Fair Credit Reporting Act by name, especially for collections-focused roles.
Filter openings by account type specialty
Consumer credit, commercial credit, and auto lending each have distinct skill expectations. When you search, target postings that match the account type you've worked with, since interviewers will probe your specific experience in that segment closely.
Apply early to roles that fit
Migrate Mate lists credit representative openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare for scenario-based interview questions
Interviewers in credit regularly ask how you've handled disputes, payment negotiations, or escalated accounts. Prepare two or three specific stories from past roles that show your judgment under pressure, not just your process knowledge.
Negotiate by citing portfolio complexity
When discussing compensation, anchor your ask to the complexity of accounts you've managed, such as high-balance commercial files or multi-agency collections workflows, rather than tenure alone. Complexity and risk management carry real weight in credit hiring conversations.
Credit Representative Jobs: Frequently Asked Questions
Which companies are hiring the most credit representatives?
The most active employers for credit representatives right now are EPB, Matson, and LIBERTY, and the most openings are in Illinois, Nevada, and California, based on current listings on Migrate Mate as of November 2026. Financial services firms, auto lenders, and healthcare revenue cycle companies are consistently among the heaviest hirers in this role.
How many credit representative jobs are remote?
About 67% of credit representative openings are fully remote or hybrid as of November 2026, with remote availability skewing higher for collections and consumer credit roles than for commercial credit positions that require in-person client interaction or on-site document review.
How do you become a credit representative?
Start by building a foundation in finance, accounting, or business through a degree program or relevant coursework. Gain early experience in customer-facing roles that involve billing, collections, or accounts receivable. Learn credit reporting platforms and familiarize yourself with the FDCPA and FCRA. Many employers hire candidates into entry-level credit roles and train them on proprietary systems from there.
Can you get a credit representative job with little or no experience?
Yes, many employers hire entry-level credit representatives if you can demonstrate strong communication skills, comfort with financial data, and basic knowledge of credit or collections regulations. Customer service backgrounds in banking, retail finance, or billing are frequently accepted as equivalent experience, and some employers provide paid training on their specific platforms and compliance requirements.
What does the credit representative interview process look like?
Most credit representative interviews run two to three stages. The first is typically a phone screen covering your background and comfort with collections or credit work. A second round often includes scenario questions about handling disputes, payment negotiations, or regulatory compliance situations. Some employers add a brief skills assessment testing your ability to read a credit report or navigate their collections software.
Where can I find and apply to credit representative jobs?
You can find and apply to credit representative jobs on Migrate Mate, which lists current openings from across the United States. Search for roles that match your experience level and account type specialty, then apply directly to each listing that fits.
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