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Bad Debt Collection Specialist Jobs (NOW HIRING)

RSI

Bad Debt Collector

Glendale, AZ · On-site

$17/hr

As a Recovery Specialist, you're involved with dialing out and taking calls, all in the mission to ... You'll flex your skills in skip tracing to track down those debtors and make sure you're on top of ...

RSI ENTERPRISES INC

Bad Debt Collector

Glendale, AZ · Remote

$17/hr

As a Recovery Specialist, you're involved with dialing out and taking calls, all in the mission to ... You'll flex your skills in skip tracing to track down those debtors and make sure you're on top of ...

RNR Tire Express

Collection Specialist

Saint Louis, MO · On-site

$20/hr

The specialist will actively contact customers to arrange payments, negotiate solutions, and ... Knowledge of debt collection regulations (e.g., FDCPA) is a plus. * Ability to work in an office ...

RNR Tire Express

$16.25 - $21.75/hr

The specialist will actively contact customers to arrange payments, negotiate solutions, and ... Knowledge of debt collection regulations (e.g., FDCPA) is a plus. * Ability to work in an office ...

RNR Tire Express

Collection Specialist

Saint Louis, MO · On-site

$20/hr

The specialist will actively contact customers to arrange payments, negotiate solutions, and ... Knowledge of debt collection regulations (e.g., FDCPA) is a plus.Ability to work in an office ...

Vets Hired

Credit & Collection Specialist

Cypress, CA

$23 - $30.75/hr

... debt collection, and payment reconciliation. The role supports revenue protection by maintaining customer accounts, assigning credit limits, resolving payment issues, monitoring financial risk, and ...

KURV

Collections Manager

Cleveland, OH

Supervise, train, and mentor a team of collection specialists. * Develop and implement collection ... Proven track record of improving collection performance and reducing bad debt.

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Bad Debt Collection Specialist information

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How much do bad debt collection specialist jobs pay per hour?

As of Sep 12, 2026, the average hourly pay for bad debt collection specialist in the United States is $23.00, according to ZipRecruiter salary data. Most workers in this role earn between $18.03 and $28.61 per hour, depending on experience, location, and employer.

What does a bad debt collection specialist do?

A Bad Debt Collection Specialist is responsible for recovering overdue payments from individuals or businesses who have failed to pay their debts. They contact debtors by phone, mail, or email to negotiate repayment plans, resolve outstanding balances, and keep detailed records of all communication and payment progress. These specialists also assess the likelihood of collecting debts, may recommend legal action when necessary, and ensure compliance with relevant laws and regulations such as the Fair Debt Collection Practices Act (FDCPA). Their goal is to minimize financial losses for their employer while treating debtors professionally and ethically.

What are the key skills and qualifications needed to thrive as a bad debt collection specialist, and why are they important?

To thrive as a Bad Debt Collection Specialist, you need strong negotiation, analytical, and communication skills, often supported by a background in finance or customer service. Familiarity with debt collection software, CRM systems, and knowledge of relevant regulations such as the Fair Debt Collection Practices Act (FDCPA) is essential. Persistence, empathy, and conflict resolution abilities help build rapport and manage difficult conversations with debtors. These skills ensure effective recovery of outstanding debts while maintaining compliance and positive client relations.

What are some common challenges faced by bad debt collection specialists, and how can they be managed effectively?

Bad Debt Collection Specialists often encounter challenges such as unresponsive or hostile debtors, strict regulatory requirements, and the need to balance assertiveness with empathy. Effective management of these challenges involves maintaining clear, professional communication, keeping thorough documentation of all interactions, and staying updated on relevant laws and regulations. Building strong negotiation and conflict resolution skills is key, and many organizations provide ongoing training and support to help specialists navigate these demanding situations successfully.

What is the difference between Bad Debt Collection Specialist vs Credit Analyst?

AspectBad Debt Collection SpecialistCredit Analyst
CredentialsTypically requires high school diploma or equivalent; certifications like ACA or NACA are a plusUsually requires a bachelor's degree in finance, accounting, or related field; certifications like CFA or CPA are common
Work EnvironmentCollections agencies, financial institutions, or corporate finance departmentsBanks, lending companies, or financial services firms
Employer & Industry UsageFocuses on recovering unpaid debts for various industriesAnalyzes credit data to assess risk and approve loans

While both roles involve financial analysis, the Bad Debt Collection Specialist primarily focuses on recovering overdue debts, whereas the Credit Analyst evaluates creditworthiness to prevent bad debts. Their work environments and required credentials differ, but both are essential in managing financial risk and maintaining cash flow.

What are popular job titles related to Bad Debt Collection Specialist jobs?

For Bad Debt Collection Specialist jobs, the most frequently searched job titles are:

Infographic showing various Bad Debt Collection Specialist job openings in the United States as of August 2026, with employment types broken down into 87% Full Time, 11% Part Time, and 2% Contract. Highlights an 78% Physical, 2% Hybrid, and 20% Remote job distribution, with an average salary of $47,832 per year, or $23 per hour.

Credit Collections Coordinator

El Segundo, CA • On-site

Cypress HCM
Recruiting and Staffing Services • 51 - 200 employees
Learn more about Cypress HCMexternal

$40 - $42/hr

Full-time

Re-posted 24 days ago

Key responsibilities

  • Manage a portfolio of customer accounts to collect outstanding receivables and ensure accounts are reconciled.

  • Proactively contact customers to follow up on past due balances and resolve billing discrepancies.

  • Maintain accurate documentation of collection efforts, handle customer inquiries related to collections, disputes, and account adjustments.

Job description

Credit Collections Coordinator
 
This is an exciting opportunity to join a growing global company in the medical equipment industry!               
A credit and collection specialist must be self motivated and directed, and adept at establishing each days agenda, according to workflow and developing situations. The credit and collection specialist’s primary focus is to manage a portfolio of assigned accounts to ensure collection efforts are exhausted, and the accounts are firmly reconciled. This role is responsible for, but not limited to maximizing, cash collections and minimizing bad debt. This role shall meet and exceeded collection metrics and departmental objectives. This role requires interpersonal communication and organizational skills. This role must also be able to adapt to a fast-paced environment and high volume transactions.
 
Responsibilities:
  • Responsible and accountable for a portfolio of customer accounts by collecting an outstanding receivables. Minimize bad debt or write off by ensuring accounts are handled timely, appropriately, and per company policy. 
  • Proactive contact and consist of follow up with customers on outstanding and past due balances.
  • Keeps accurate and up-to-date notes or documentation on all collection efforts.
  • Provides customer service regarding collection issues and disputes, customer refunds, maintenance of accounts for adjustments, account reconciliation, order holds and releases, and credit line increase needs.
  • Able to organize, prioritize, and manage multiple responsibilities in a high volume, fast-paced environment.
  • Research, reconcile, and resolve billing discrepancies by working with the appropriate billing areas and escalating to management as necessary
  • Utilize appropriate judgment in resolution of adjustments, disputes, unapplied payments, reconciliation, and placing accounts on hold due to payment delays or delinquency.
  • Escalate passive accounts as per the departmental calculation
  • Assist in preparing documentation for submission of customers to third-party agencies and/or write-offs.
  • Build and maintain strong working relationships with internal and external customers
  • Manage reports and analyze data pertaining to their portfolio
  • Participate in meetings, projects, process improvement initiatives, trainings, and other collection related tasks as identified by management.
  • Cross train with peers and leaders on customer portfolios for coverage purposes
  • Handle distribution of customer invoices and statement
  • Handle incoming and outgoing, phone calls and emails.
 
Qualifications:
  • Minimum 3 years collections experience
  • 4 year Bachelor’s degree in Finance or Accounting or relevant experience in lieu of a degree
  • Experience with SAP or other ERP
  • Customer Service, negotiation skills, and attention to detail
  • Effective communication, organization, analytical, and problem solving skills
  • Proficient and Microsoft Office, particularly Excel, and inter-company software
  • Strong sense of urgency and customer centric mindset
 
Pay Rate: $40-$42/hour
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About Cypress HCM

Sourced by ZipRecruiter

We deliver consistently superior recruiting by virtue of trusting, communicative relationships with companies and candidates alike. From Fortune 100s to startups, clients lean on us to fulfill their range of needs from contract to full-time positions. With an intimate knowledge of the industries we serve, a keen sense of what makes for high-performing talent in any role, and shared sense of urgency, our clients will tell you: your solution begins here.

Industry

Recruiting and staffing services

Company size

51 - 200 Employees

Headquarters location

Walnut Creek, CA, US

Year founded

2005

Social media

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