Job Description
Collections Specialist
Department: Collections & Recoveries
Employment Type: Permanent
Location: Atlanta
Reporting To: Sebastian Mesa
To meet the growing demand for our technology and services, we are now seeking a Collections Executive to join our US Collections & Recoveries team. This role plays a key role in managing merchant accounts, supporting repayment performance, and contributing to overall portfolio outcomes. You will be responsible for a portfolio of accounts, working directly with merchants to understand their situation, resolve underpayment or delinquency, and deliver balanced outcomes for both the customer and the business. The role requires strong communication, attention to detail, and the ability to manage multiple priorities in a fast-paced environment. In this role, you will have direct ownership of account progression and resolution, with a clear impact on recovery performance and merchant outcomes. This is a great opportunity for someone looking to build their career in fintech within a high-growth, performance-driven organization
Key Responsibilities
- Manage a portfolio of merchant accounts across various stages of delinquency.
- Contact merchants via phone and email to resolve outstanding balances and support repayment.
- Build professional relationships with merchants and handle sensitive conversations with confidence and empathy.
- Negotiate and implement payment solutions aligned with merchant circumstances and business objectives.
- Monitor account status and take ownership of progressing cases through to resolution.
- Maintain accurate and detailed records of all account activity within internal systems.
- Handle a high volume of tasks while maintaining strong attention to detail and organization.
- Assess account risk and escalate appropriately based on complexity, exposure, and stage within the collections process.
- Partner with internal teams to support account resolution and ensure the timely progression of complex cases.
- Use available account data and payment behavior to prioritize follow-up and support effective decision-making.
- Contribute to a positive, accountable, and results-driven team environment.
Skills, Knowledge & Expertise
- 5+ years of experience in accounts receivable, collections, credit control, or debt recovery
- Strong written and verbal communication skills
- Ability to manage challenging conversations in a professional and solution-oriented manner
- High attention to detail and accuracy across systems and documentation
- Strong organizational and time management skills
- Ability to work effectively in a fast-paced, target-driven environment with clear ownership of individual performance
- Proficiency in Microsoft Excel and Office tools Reliable, proactive, and team-oriented approach
Desirable Traits:
- Experience in fintech, financial services, or lending environments
- Exposure to collections and recoveries across different stages of arrears
- Experience managing higher-value or more complex accounts
- Familiarity with legal escalation, third-party collections, or recovery processes
- Comfort working with data to guide prioritization and follow-up.
- Adaptable and comfortable working in a high-growth environment
- Strong sense of ownership and accountability
- Positive attitude with a willingness to learn and grow
Job Benefits
We offer comprehensive benefits package that includes:
- Health Care Coverage. YouLend covers 80%; employee contribution is 20% of the premium.
- Medical Plan (medical insurance and prescription drug coverage)- Choice of 5 different plans through United Healthcare.
- Dental plan coverage
- Vision plan coverage
- Benefits can be for: Employee only; Employee & Spouse; Employee & Child; Employee & Family
- Retirement - 401K match. Employee match $1 for $1 up to 5% of salary.
- Basic Life & AD&D Insurance.
- International travel insurance covered if traveling abroad for work purposes.
- Paid Time Off (PTO)- 20 working days (4 weeks) + US public holidays
- Paid Office Parking
