Collection Agent Jobs in USA with Visa Sponsorship
Collection agents help employers recover outstanding debts through phone calls, payment negotiations, and account management. Most collection agent roles don't qualify for H-1B sponsorship because they typically require only a high school diploma or general business degree, not specialized knowledge in a specific field. For detailed occupation requirements, see the O*NET profile.
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Get Access To All JobsINTRODUCTION
Purpose Financial, Inc. is an innovative consumer financial services company that offers a diverse suite of credit products, promoting financial inclusion and meeting consumers wherever they are. Through its brands, the company is committed to helping customers achieve their version of financial stability in the moment and in the future. Since 1997, Purpose Financial has been a pioneer in the consumer credit and financial services market offering money solutions in over 800 storefront locations and online lending. Providing services in over 23 states, Purpose Financial employs over 2,500 team members. At Purpose Financial we are always on the lookout for motivated individuals who share in our values of mutual respect to join our team of outstanding professionals.
We Offer
- Competitive Wages
- Health/Life Benefits
- Health Savings Account plus Employer Seed
- 401(k) Savings Plan with Company Match
- Paid Parental Leave
- Company Paid Holidays
- Paid Time Off including Volunteer Time
- Tuition Reimbursement
- Business Casual Environment
- Rewards & Recognition Program
- Employee Assistance Program
Position Summary
This position is responsible for contacting and successfully negotiating with customers to collect payment on overdue, defaulted or write-off loans, or other payments. This position will act as the liaison between creditors and customers through managing overdue accounts. Other duties as assigned.
JOB RESPONSIBILITY
Support
- Influence and advise customers on the payment options for debt recovery.
Influence
- Execute strategies for collection processes and procedures, including, but not limited to negotiating payment plans based upon company approved guidelines.
- Apply the elements of building positive rapport with different types of customers over the phone in order to retain customer loyalty while initiating processes for collection of payments.
Drive
- Initiate and handle both inbound and outbound calling to collect a debt.
- Understand the impact of attitude for handling Advance America Collection contacts professionally, to include showing empathy, assertiveness, tact and resilience.
Manage or Direct
- Achieve set revenue targets and call quality objectives.
Maintain
- Use questioning and listening skills that support effective telephone, email, chat and text communication.
Accountability
- Understand, adhere to and enforce all corporate policies including, but not limited to, Advance America’s Creed, Code of Ethics and Information Security Policies.
EDUCATION REQUIRED
High School Diploma or GED.
EXPERIENCE REQUIRED
Minimum of one year call center or customer service related experience. Three years of collections experience at a high-volume call center, and bi-lingual in Spanish is required. Must be able to demonstrate critical thinking, negotiating, and problem-solving skills. Background in a fast paced work environment a plus. Assist in collection efforts with customers requiring a Spanish speaking collections agent.
KNOWLEDGE REQUIRED
Excellent written and verbal communications skills in both English and Spanish as would be needed to communicate in person, by phone, and through email; adaptability and flexibility to changing environment; and comfortable working in a dynamic, high volume, fast-paced environment. Ability to read, write, evaluate, and apply information. Ability to interact professionally and exhibit appropriate social skills. Ability to understand and ensure compliance with policies, procedures, and laws governing our industry/business and products. Ability to develop and maintain business relationships.
Physical Requirements
Sitting for long periods of time; standing occasionally; walking; bending; squatting; kneeling; pushing/pulling; reaching; twisting; frequent lifting of less than 10 lbs., occasional lifting of up to 20 lbs.; typing; data entry; grasping; transferring items between hands and/or to another person or receptacle; use of office equipment to include computers; ability to travel to, be physically present at, and complete the physical requirements of the position at any assigned location.
- Ability and flexibility to work hours as assigned between 8:00am and 8:00pm Monday – Friday, 8:00am and 1:00pm on Saturdays, and potential Sunday hours as determined by business necessity.
COMPETENCIES
- Accepting Direction
- Adapting to Change
- Demonstrating Initiative
- Dependability
- Drive for Results
TRAVEL
No Travel
ATTIRE
Business Casual
OTHER
Must be eligible to work in the USA and able to pass a background check. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or disability.
Requisition ID: 45973
INTRODUCTION
Purpose Financial, Inc. is an innovative consumer financial services company that offers a diverse suite of credit products, promoting financial inclusion and meeting consumers wherever they are. Through its brands, the company is committed to helping customers achieve their version of financial stability in the moment and in the future. Since 1997, Purpose Financial has been a pioneer in the consumer credit and financial services market offering money solutions in over 800 storefront locations and online lending. Providing services in over 23 states, Purpose Financial employs over 2,500 team members. At Purpose Financial we are always on the lookout for motivated individuals who share in our values of mutual respect to join our team of outstanding professionals.
We Offer
- Competitive Wages
- Health/Life Benefits
- Health Savings Account plus Employer Seed
- 401(k) Savings Plan with Company Match
- Paid Parental Leave
- Company Paid Holidays
- Paid Time Off including Volunteer Time
- Tuition Reimbursement
- Business Casual Environment
- Rewards & Recognition Program
- Employee Assistance Program
Position Summary
This position is responsible for contacting and successfully negotiating with customers to collect payment on overdue, defaulted or write-off loans, or other payments. This position will act as the liaison between creditors and customers through managing overdue accounts. Other duties as assigned.
JOB RESPONSIBILITY
Support
- Influence and advise customers on the payment options for debt recovery.
Influence
- Execute strategies for collection processes and procedures, including, but not limited to negotiating payment plans based upon company approved guidelines.
- Apply the elements of building positive rapport with different types of customers over the phone in order to retain customer loyalty while initiating processes for collection of payments.
Drive
- Initiate and handle both inbound and outbound calling to collect a debt.
- Understand the impact of attitude for handling Advance America Collection contacts professionally, to include showing empathy, assertiveness, tact and resilience.
Manage or Direct
- Achieve set revenue targets and call quality objectives.
Maintain
- Use questioning and listening skills that support effective telephone, email, chat and text communication.
Accountability
- Understand, adhere to and enforce all corporate policies including, but not limited to, Advance America’s Creed, Code of Ethics and Information Security Policies.
EDUCATION REQUIRED
High School Diploma or GED.
EXPERIENCE REQUIRED
Minimum of one year call center or customer service related experience. Three years of collections experience at a high-volume call center, and bi-lingual in Spanish is required. Must be able to demonstrate critical thinking, negotiating, and problem-solving skills. Background in a fast paced work environment a plus. Assist in collection efforts with customers requiring a Spanish speaking collections agent.
KNOWLEDGE REQUIRED
Excellent written and verbal communications skills in both English and Spanish as would be needed to communicate in person, by phone, and through email; adaptability and flexibility to changing environment; and comfortable working in a dynamic, high volume, fast-paced environment. Ability to read, write, evaluate, and apply information. Ability to interact professionally and exhibit appropriate social skills. Ability to understand and ensure compliance with policies, procedures, and laws governing our industry/business and products. Ability to develop and maintain business relationships.
Physical Requirements
Sitting for long periods of time; standing occasionally; walking; bending; squatting; kneeling; pushing/pulling; reaching; twisting; frequent lifting of less than 10 lbs., occasional lifting of up to 20 lbs.; typing; data entry; grasping; transferring items between hands and/or to another person or receptacle; use of office equipment to include computers; ability to travel to, be physically present at, and complete the physical requirements of the position at any assigned location.
- Ability and flexibility to work hours as assigned between 8:00am and 8:00pm Monday – Friday, 8:00am and 1:00pm on Saturdays, and potential Sunday hours as determined by business necessity.
COMPETENCIES
- Accepting Direction
- Adapting to Change
- Demonstrating Initiative
- Dependability
- Drive for Results
TRAVEL
No Travel
ATTIRE
Business Casual
OTHER
Must be eligible to work in the USA and able to pass a background check. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or disability.
Requisition ID: 45973
How to Get Visa Sponsorship in Collection Agent
Target specialized collection roles
Look for positions requiring specific expertise like medical debt collection, international collections, or forensic accounting. These specialized roles are more likely to meet H-1B specialty occupation requirements.
Emphasize relevant certifications
Highlight credentials like Certified Debt Collection Professional (CDCP) or International Association of Commercial Collectors certification. These demonstrate specialized knowledge beyond basic collection skills.
Consider financial services companies
Large banks, credit card companies, and asset management firms often have complex collection operations that may qualify for sponsorship, especially for roles involving regulatory compliance.
Focus on compliance-heavy positions
Collection roles involving FDCPA compliance, state debt collection law interpretation, or consumer protection regulations may qualify as specialty occupations requiring specific legal knowledge.
Highlight analytical components
Emphasize data analysis, risk assessment, or portfolio management aspects of collection work. These analytical elements can help differentiate the role from basic customer service.
Consider alternative visa types
If you're Australian, the E-3 visa has lower requirements than H-1B. TN visa holders from Canada or Mexico should explore related financial analyst positions.
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Get Access To All JobsFrequently Asked Questions
Do collection agent jobs qualify for H-1B visa sponsorship?
Most basic collection agent positions don't qualify for H-1B sponsorship because they don't meet the specialty occupation requirement. However, specialized roles in medical debt collection, international collections, or compliance-focused positions at major financial institutions may qualify if they require specific expertise and a relevant bachelor's degree.
What degree do I need for collection agent visa sponsorship?
For H-1B eligibility, you typically need a bachelor's degree in finance, business administration, accounting, or a related field. The key is that the role must require specialized knowledge that directly relates to your degree. General collection positions that accept any bachelor's degree rarely qualify for sponsorship.
Which companies sponsor visas for collection agents?
Large financial services companies like JPMorgan Chase, Bank of America, and Wells Fargo occasionally sponsor specialized collection roles. Medical debt collectors at major healthcare systems and international collection agencies dealing with complex cross-border regulations are more likely to offer sponsorship than local collection agencies.
Can I get an E-3 visa as a collection agent from Australia?
E-3 visas still require specialty occupation status, so the same limitations apply. However, E-3 requirements are slightly more flexible than H-1B, and there's no lottery system. Focus on specialized collection roles at large financial institutions or positions emphasizing compliance, analytics, or international debt recovery.
What's the visa approval rate for collection agent positions?
USCIS doesn't publish approval rates by specific job title, but collection agent roles face higher scrutiny because many don't meet specialty occupation standards. Specialized positions with clear degree requirements and complex responsibilities have better approval odds than basic collection roles. Focus on compliance-heavy or analytical collection positions for the best chances.
What is the prevailing wage requirement for sponsored Collection Agent jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.
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