Collections Representative Jobs in USA with Visa Sponsorship
Collections representatives can qualify for H-1B visa sponsorship when the role requires specialized accounting, finance, or business administration knowledge. Success depends on demonstrating that debt recovery and customer account management requires a bachelor's degree, not just collections experience. For detailed occupation requirements, see the O*NET profile.
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Get Access To All JobsINTRODUCTION
Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys.
Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience.
Position Summary:
Responsible for the collection and resolution of delinquent auto loan accounts. Utilizes telephone, automated dialer, and written correspondence in a fast-paced goal-oriented collections department. Provides customer service regarding collection issues and available collection programs. Accountable for reducing delinquency for assigned accounts.
Essential Duties and Responsibilities:
- Confers with customers by telephone in an attempt to collect current and past due payments, determines the reason for delinquency, and updates customer information.
- Confirms account holder by following safeguards procedures on every call.
- Documents conversations and arrangements accurately in the collection system.
- Adheres to collection standards of conduct policy on all accounts including third parties.
- Treats all contacts in a courteous and professional manner.
- Reviews customers’ files and offers programs to qualified customers to minimize delinquency.
- Use established procedures to make effective use of extensions and due dates to changes to resolve delinquent accounts.
- Utilizes collection skip tools to locate accounts leading to resolution.
- Recommend accounts for repossession or legal action.
- Maintains delinquent rates at or below objectives.
- Meet daily and weekly production goals (Calls and dollars collected).
- Compliance with all company policies and procedures.
- This position involves regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth.
- All other duties assigned.
Qualifications and Competencies Required
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Required Experience:
Minimum 2 years of collection-related experience
Education:
High School Diploma / GED
Additional Requirements:
- Overtime required – required on an as needed basis.
- Travel 0-10% – as required on an as needed basis.
- Must have reliable transportation and live within a commutable distance to one of the following cities: Atlanta, GA; Dallas, TX; Detroit, MI; Houston, TX; Phoenix, AZ.
Qualifications Preferred:
- Moderate computer knowledge of MS Excel and MS Word software and keyboard skills including minimum accuracy requirements.
- Ability to recognize problems, resolve or escalate as needed, including using a variety of talk-offs to convince the customer to make a payment.
- Speak and listen effectively to customers via phone, and tolerate stressful interactions with customers.
- Multi-task in a high energy standard office and/or home environment.
- Knowledge of and compliance with the Fair Debt Collection Practices Act, local, state, and federal collection laws.
Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.
Work Environment
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.
Work Schedule
This position requires the ability to work various shifts to accommodate business needs. Typically, between the hours of 8AM-6PM Monday through Friday and on weekends as needed. Travel is required 10% of the time.
Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.
Salary and Benefits:
At Stellantis Financial Services, you can make a difference in a critical role within our high-performing culture. We offer career development opportunities, competitive pay, and a comprehensive benefits package, including:
- Pay Rate: $19–$24/hour, based on experience and skills
- Start Date: Our next onboarding class is scheduled to begin September 14th, 2026
- Potential Bonus: Performance-based monthly bonus opportunities
- Supplemental Pay: Referral bonuses
- Flexibility: High-performing associates can create their own weekly work schedules
- Hybrid Work Arrangement: When not working remotely, enjoy office spaces with breathtaking views
- Dress Code: Comfortable, casual work environment
- Language Skills: Spanish-speaking skills are valued and rewarded, but not required
Benefits Include:
- Retirement plan - 401(k) match
- Health insurance (medical, dental, vision, and prescription coverage) and savings/spending accounts
- Virtual office visits
- Employee Assistance and Wellness programs
- Company-provided life and disability insurance
- Supplemental insurance options (life, critical illness, auto, pet, identity theft, and legal services)
- Tuition reimbursement
- Paid time off (holidays, flexible vacation, and sick time)
- Vehicle discounts for loans or leases
INTRODUCTION
Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys.
Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience.
Position Summary:
Responsible for the collection and resolution of delinquent auto loan accounts. Utilizes telephone, automated dialer, and written correspondence in a fast-paced goal-oriented collections department. Provides customer service regarding collection issues and available collection programs. Accountable for reducing delinquency for assigned accounts.
Essential Duties and Responsibilities:
- Confers with customers by telephone in an attempt to collect current and past due payments, determines the reason for delinquency, and updates customer information.
- Confirms account holder by following safeguards procedures on every call.
- Documents conversations and arrangements accurately in the collection system.
- Adheres to collection standards of conduct policy on all accounts including third parties.
- Treats all contacts in a courteous and professional manner.
- Reviews customers’ files and offers programs to qualified customers to minimize delinquency.
- Use established procedures to make effective use of extensions and due dates to changes to resolve delinquent accounts.
- Utilizes collection skip tools to locate accounts leading to resolution.
- Recommend accounts for repossession or legal action.
- Maintains delinquent rates at or below objectives.
- Meet daily and weekly production goals (Calls and dollars collected).
- Compliance with all company policies and procedures.
- This position involves regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth.
- All other duties assigned.
Qualifications and Competencies Required
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Required Experience:
Minimum 2 years of collection-related experience
Education:
High School Diploma / GED
Additional Requirements:
- Overtime required – required on an as needed basis.
- Travel 0-10% – as required on an as needed basis.
- Must have reliable transportation and live within a commutable distance to one of the following cities: Atlanta, GA; Dallas, TX; Detroit, MI; Houston, TX; Phoenix, AZ.
Qualifications Preferred:
- Moderate computer knowledge of MS Excel and MS Word software and keyboard skills including minimum accuracy requirements.
- Ability to recognize problems, resolve or escalate as needed, including using a variety of talk-offs to convince the customer to make a payment.
- Speak and listen effectively to customers via phone, and tolerate stressful interactions with customers.
- Multi-task in a high energy standard office and/or home environment.
- Knowledge of and compliance with the Fair Debt Collection Practices Act, local, state, and federal collection laws.
Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.
Work Environment
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.
Work Schedule
This position requires the ability to work various shifts to accommodate business needs. Typically, between the hours of 8AM-6PM Monday through Friday and on weekends as needed. Travel is required 10% of the time.
Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.
Salary and Benefits:
At Stellantis Financial Services, you can make a difference in a critical role within our high-performing culture. We offer career development opportunities, competitive pay, and a comprehensive benefits package, including:
- Pay Rate: $19–$24/hour, based on experience and skills
- Start Date: Our next onboarding class is scheduled to begin September 14th, 2026
- Potential Bonus: Performance-based monthly bonus opportunities
- Supplemental Pay: Referral bonuses
- Flexibility: High-performing associates can create their own weekly work schedules
- Hybrid Work Arrangement: When not working remotely, enjoy office spaces with breathtaking views
- Dress Code: Comfortable, casual work environment
- Language Skills: Spanish-speaking skills are valued and rewarded, but not required
Benefits Include:
- Retirement plan - 401(k) match
- Health insurance (medical, dental, vision, and prescription coverage) and savings/spending accounts
- Virtual office visits
- Employee Assistance and Wellness programs
- Company-provided life and disability insurance
- Supplemental insurance options (life, critical illness, auto, pet, identity theft, and legal services)
- Tuition reimbursement
- Paid time off (holidays, flexible vacation, and sick time)
- Vehicle discounts for loans or leases
See all 32+ Collections Representative Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Collections Representative roles.
Get Access To All JobsTips for Finding Collections Representative Jobs
Emphasize analytical requirements
Highlight how the role involves financial analysis, risk assessment, and data interpretation. Collections work requiring statistical modeling or payment behavior analysis strengthens the specialty occupation argument significantly.
Target financial services employers
Banks, credit unions, and fintech companies regularly sponsor collections roles because they understand the regulatory and analytical complexity. They're more likely to structure positions as specialty occupations.
Focus on compliance aspects
Roles involving FDCPA compliance, state collections laws, or regulatory reporting create stronger H-1B cases. Employers value collections representatives who understand complex legal frameworks governing debt recovery.
Highlight technology integration
Modern collections involves CRM systems, predictive analytics, and automated workflows. Experience with collections software and data analysis tools makes the specialty occupation case more compelling to USCIS.
Consider senior or specialized titles
Collections analyst, recovery specialist, or account resolution manager positions often have clearer degree requirements than entry-level collections representative roles. Title matters for visa petition strength.
Document process improvement experience
Collections roles that involve optimizing recovery processes, developing payment strategies, or analyzing portfolio performance demonstrate the analytical thinking that supports H-1B eligibility for this occupation.
Frequently Asked Questions
Do collections representative jobs qualify for H-1B sponsorship?
Collections representatives can qualify for H-1B visa sponsorship when the role requires specialized knowledge in finance, accounting, or business administration. The position must demonstrate that effective debt recovery requires theoretical and practical application of a specialized body of highly specialized knowledge, typically requiring a bachelor's degree in a related field.
How to find Collections Representative jobs with visa sponsorship?
To find Collections Representative jobs with visa sponsorship, use Migrate Mate, which specializes in connecting international candidates with sponsoring employers. Focus on financial services companies, banks, credit unions, and debt collection agencies that commonly hire for these roles and sponsor H-1B or other work visas. These employers often need skilled professionals to manage accounts receivable and customer payment processes.
What degree do I need for H-1B sponsorship in collections?
Most successful H-1B petitions for collections roles require a bachelor's degree in finance, accounting, business administration, economics, or a related field. The degree field should directly relate to the analytical, compliance, or financial management aspects of the collections position to satisfy USCIS specialty occupation requirements.
Which employers are most likely to sponsor collections representatives?
Financial institutions including banks, credit unions, mortgage companies, and fintech firms most commonly sponsor collections representatives because they understand the regulatory complexity and analytical requirements. Healthcare systems and large corporations with substantial accounts receivable also sponsor these roles when positioned as specialty occupations.
How can I strengthen my H-1B case for collections work?
Focus on analytical, compliance, and strategic aspects of collections rather than basic phone work. Emphasize experience with financial analysis, regulatory compliance, process improvement, and technology integration. Document any specialized training in collections law, data analysis, or financial risk assessment that supports the specialty occupation requirement.
What's the approval rate for collections H-1B petitions?
Collections representative H-1B petitions face higher scrutiny because USCIS often questions whether the role truly requires a specialty occupation. Success rates improve significantly when the position emphasizes analytical work, regulatory compliance, or financial analysis rather than routine collections activities. Proper job description framing is critical.
What is the prevailing wage requirement for sponsored Collections Representative 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.