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Auto Collection Specialist Jobs (NOW HIRING)

Usf Fed Cred Union

Indirect Collections Specialist

Tampa, FL · On-site

$17.50 - $23.50/hr

A Think Big culture dedicated to performance excellence and continual growth Position Summary The Indirect Auto Collection Specialist is responsible for managing delinquent indirect auto loan ...

Usf Fed Cred Union

Indirect Collections Specialist

Tampa, FL · On-site

$17.50 - $23.50/hr

A Think Big culture dedicated to performance excellence and continual growth Position Summary The Indirect Auto Collection Specialist is responsible for managing delinquent indirect auto loan ...

Collabera

Collection Specialist

Greensboro, NC

$18 - $24.25/hr

Collectors average 80+ inbound and/or outbound calls per day using an auto dialer telephone system ... Previous Collection experience College degree desired, but not required Desire to resolve customer ...

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Auto Collection Specialist information

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How much do auto collection specialist jobs pay per hour?

As of Jun 9, 2026, the average hourly pay for auto collection specialist in the United States is $21.46, according to ZipRecruiter salary data. Most workers in this role earn between $17.79 and $24.04 per hour, depending on experience, location, and employer.

What are Auto Collection Specialists?

Auto Collection Specialists are professionals responsible for contacting customers who have overdue payments on their auto loans or leases. They work to recover outstanding debts by negotiating payment plans, resolving disputes, and ensuring compliance with legal and company policies. Their role often involves maintaining accurate records, providing excellent customer service, and sometimes collaborating with repossession agents if necessary. Auto Collection Specialists play a key role in minimizing financial losses for lending institutions while helping customers find manageable solutions.

What is the difference between Auto Collection Specialist vs Auto Finance Assistant?

Auto Collection SpecialistAuto Finance Assistant
Focuses on collecting payments and managing overdue accounts for auto loansAssists with processing auto loan applications and supporting finance department tasks
Requires knowledge of debt collection laws and customer service skillsRequires understanding of auto financing processes and customer support
Work environment often includes collections departments or finance officesWork environment typically involves finance or sales departments

The Auto Collection Specialist primarily handles overdue accounts and debt recovery, while the Auto Finance Assistant supports loan processing and customer service related to auto financing. Both roles require familiarity with auto finance procedures, but their core responsibilities differ in focus and daily tasks.

What are some common challenges faced by Auto Collection Specialists, and how can they be managed effectively?

Auto Collection Specialists often encounter challenges such as handling difficult customer interactions, meeting collection targets, and staying updated with compliance regulations. Successfully managing these challenges involves strong communication skills, empathy, and persistence when negotiating repayment plans with customers. Utilizing up-to-date account management software and participating in regular training sessions can help specialists stay organized and compliant. Additionally, collaborating with team members and supervisors provides valuable support and insights for handling complex cases.

What are the key skills and qualifications needed to thrive as an Auto Collection Specialist, and why are they important?

To thrive as an Auto Collection Specialist, you need strong knowledge of credit and collections processes, negotiation skills, and typically a high school diploma or equivalent. Familiarity with collections management software, CRM systems, and basic office applications is important for efficiently tracking accounts and processing payments. Excellent communication, problem-solving, and resilience are vital soft skills for handling sensitive customer interactions and overcoming objections. These competencies ensure timely debt recovery while maintaining positive customer relationships and adhering to regulatory guidelines.

What is the highest paid position at a car dealership?

At a car dealership, the highest paid position is typically the General Manager or Dealer Principal, who oversees all operations and sales. These roles often earn high salaries plus bonuses based on dealership performance, with compensation varying by dealership size and location.
More about Auto Collection Specialist jobs
What job categories do people searching Auto Collection Specialist jobs look for? The top searched job categories for Auto Collection Specialist jobs are:
Auto Collection Specialist jobs near you

Indirect Collections Specialist

Usf Fed Cred Union

Tampa, FL • On-site

$17.50 - $23.50/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 9 days ago

Job description

When joining USF Federal Credit Union, you can expect to work for a company that:

  • Strives to be the most influential partner in our Members’ financial journey.
  • Has been recognized with awards such as the “Sterling Governor’s Award for Excellence” and League of Southern Credit Unions & Affiliates “Credit Union of the Year”.
  • Has a culture of engagement, growth, process improvement and community volunteerism.


What’s in it for you:

  • Competitive pay, robust incentive programs, 401k matching, Mortgage and Auto Loan discounts
  • 4 weeks minimum paid time off work, work anniversary paid time off, 11 paid holidays and 8 hours paid volunteer time off.
  • Medical, Dental and vision plans with FSA option. (Employee Only Premiums for Dental and Vision are 100% Credit Union covered).
  • 100% Credit Union Paid Short-Term and Long-Term Disability and Life Insurance
  • Employee Assistance Program
  • Undergraduate and Graduate Tuition Reimbursement
  • In-depth New Employee Orientation showcasing Credit Union Values and Vision
  • A Think Big culture dedicated to performance excellence and continual growth


Position Summary

The Indirect Auto Collection Specialist is responsible for managing delinquent indirect auto loan accounts. This role emphasizes early- and mid-stage collections, member engagement, loss mitigation, and portfolio performance. The specialist will work to reduce delinquency, prevent charge-offs, and maintain positive member relationships while adhering to all regulatory and credit union policies.

Essential Functions Include:

  • Manage a portfolio of delinquent indirect auto loans, primarily within subprime credit tiers
  • Perform outbound and inbound collection calls in accordance with FDCPA and applicable state/federal regulations
  • Negotiate payment arrangements, extensions, deferments, and other loss mitigation solutions
  • Analyze member financial situations to recommend appropriate resolution strategies
  • Monitor accounts for risk indicators and escalate high-risk accounts as needed
  • Coordinate with dealerships, repossession vendors, and third-party agencies when necessary
  • Initiate repossession processes
  • Maintain accurate and detailed records of all collection activities in the core system
  • Ensure compliance with all regulatory requirements, including CFPB, NCUA, and internal policies
  • Meet or exceed established performance metrics (e.g., delinquency rates, roll rates, cure rates)
  • Provide exceptional member service while balancing risk and recovery objectives
  • Collaborate with internal teams (underwriting, lending, legal, bankruptcy) as needed

Reports to:

Collection Assistant Manager

Manages

This role does not have supervisory responsibilities

Required Competencies:

Excellent Time Management, Analytical and Organizational Skills, Collaboration, Passion, Innovation

Required Education and Experience:

  • High School Diploma or equivalent required
  • Minumium 3 years of experience in lending or collections with good knowledge of the Fair Debt Collection Act, TCPA, Fair Lending, Litigation process, Bankruptcy and Repossession.
  • Experience working in a credit union or financial institution strongly preferred
  • Proven track record of meeting or exceeding collection performance goals

Additional Skills

  • Skilled in negotiation, conflict resolution, and member communication
  • Ability to handle sensitive conversations with professionalism
  • Strong analytical and problem-solving skills
  • Detail-oriented with strong documentation habits
  • Proficient in collection systems, core banking platforms, and Microsoft Office
  • Ability to work independently and manage a high-volume workload
  • Strong organizational and time management skills

Physical Requirements:

Sitting frequently, walking occasionally, use of hands frequently, walking occasionally, use of hands frequently, hearing constantly, talking frequently, exerting up to 10lbs of force occasionally to life, carry, push, pull, or move objects.

Position Type/Expected Hours of Work:

Full-Time/40 hours per week

Classification

Non-Exempt

Other Duties

Please note this job description is not a comprehensive list of activities, duties or responsibilities that are required in this position. Duties, responsibilities and activities may change at any time with or without notice.

About Us:

For 60 years, USF FCU has experienced rapid growth and is dedicated to delivering financial solutions to improve our members’ lives. Our success is thrilling, but our core values of excellence, passion, innovation, community, and collaboration mean our relationships with our members and our employees will always be our top priority! We have grown to over 60,000 members and $800+ million in assets, robust online and mobile banking, 6 branch locations and thousands of shared branches and fee-free ATMs nationwide.

Our vision is to be the most influential partner in each member’s financial journey.

Our mission is to deliver financial solutions to improve members’ lives.