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Auto Collection Specialist Jobs (NOW HIRING)

Collabera

Collection Specialist

Greensboro, NC

$18 - $24.25/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

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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How much do auto collection specialist jobs pay per hour?

As of Aug 15, 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 is an auto collection specialist?

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.

Is an auto collection specialist a stressful job?

An auto collection specialist's job can be stressful due to the need to handle difficult conversations with customers and meet collection targets. The role often requires strong communication skills, attention to detail, and the ability to work under pressure, especially in high-volume environments. However, stress levels vary depending on the workplace and individual resilience.

What are the key skills and qualifications needed to thrive as an auto collection specialist?

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.
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What job categories do people searching Auto Collection Specialist jobs look for?

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Auto Collection Specialist jobs near you
Infographic showing various Auto Collection Specialist job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 83% Full Time, 13% Part Time, and 3% Contract. Highlights an 90% Physical, 3% Hybrid, and 7% Remote job distribution, with an average salary of $44,646 per year, or $21.5 per hour.

Collection Specialist

Coastal Community Federal Credit Union

Houston, TX • On-site

$16.50 - $22.25/hr

Full-time

Posted 15 days ago

Job description

The Collection Specialist manages delinquent accounts across mortgage, auto, and signature (unsecured consumer) loan portfolios. This role focuses on recovering outstanding balances, negotiating sustainable repayment solutions, and preserving customer relationships while ensuring strict compliance with federal, state, investor, and company requirements.
Requirements
Key Responsibilities
  • Portfolio Management: Monitor and manage a mixed portfolio of delinquent mortgage, auto, and signature loan accounts through all stages of delinquency.
  • Customer Outreach: Initiate timely, documented contact via phone, email, and written correspondence to discuss past-due balances, options, and next steps.
  • Repayment Negotiation: Negotiate and document payment arrangements, loan modifications, forbearance plans, reinstatements, settlements, and other loss-mitigation solutions tailored to loan type.
  • Auto Collections Efforts: Coordinate repossession referrals when appropriate; work with recovery vendors and title services; verify vehicle information and lien status; pursue voluntary surrender or reinstatement options when feasible.
  • Signature Loan Collections Efforts: Apply strategies for unsecured debt recovery including structured payment plans, settlement offers, and skip-tracing to locate borrowers; escalate to legal collections when required.
  • Documentation and System Updates: Maintain accurate, audit-ready records of all collection activity, borrower communications, and account status updates in the servicing system.
  • Compliance and Risk Management: Ensure all collection activities comply with FDCPA, RESPA, state laws, investor servicing requirements, and internal policies; flag and escalate potential legal or regulatory issues.
  • Loss Mitigation Coordination: Collaborate with underwriting, foreclosure, legal, and loss-mitigation teams to evaluate options and implement approved solutions.
  • Skip Tracing and Research: Use internal tools and third-party services to locate borrowers, verify employment and assets, and update contact information.
  • Reporting and Metrics: Produce regular status reports and performance metrics such as cure rates, promise-to-pay adherence, recovery amounts, and days delinquent.
  • Customer Service: Provide clear, professional guidance to borrowers about options and timelines while protecting the company's financial interests.

Qualifications
  • Experience: 2+ years in collections, loan servicing, or related financial recovery roles; experience with mortgage, auto, and unsecured consumer loans strongly preferred.
  • Education: High school diploma or GED required; Associate degree or higher in finance, business, or related field preferred.
  • Technical Skills: Proficiency with loan servicing systems and CRM tools; strong MS Office skills, especially Excel. Experience with skip-trace and repossession vendor platforms is a plus.
  • Regulatory Knowledge: Familiarity with FDCPA, RESPA, state foreclosure and repossession laws, and investor servicing guidelines.
  • Certifications: Relevant certifications in collections, mortgage servicing, or loss mitigation are advantageous.

Skills and Competencies
  • Communication: Clear, persuasive verbal and written communication with borrowers and internal partners.
  • Negotiation: Strong ability to structure repayment plans and settlements that balance borrower capacity and portfolio performance.
  • Attention to Detail: Accurate documentation and careful review of account histories, legal notices, and title/vehicle records.
  • Organization: Ability to manage a high-volume caseload and prioritize tasks to meet deadlines.
  • Problem Solving: Analytical approach to evaluate borrower situations and recommend appropriate actions.
  • Emotional Intelligence: Empathy and professionalism when handling sensitive borrower circumstances.
  • Teamwork: Collaborative approach with legal, underwriting, repossession vendors, and servicing teams.
  • Compliance Mindset: Consistent application of regulatory and investor rules in daily activities.

Working Conditions and Compensation
  • Schedule: Full-time; may require extended hours during peak periods or to meet legal deadlines.
  • Physical Requirements: Primarily office-based work with extended computer use. May require occasional coordination with field vendors.

Equal Opportunity: Employer is an equal opportunity employer committed to diversity and inclusion.

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