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Collections Officer Jobs in California (NOW HIRING)

Earnest

Director of Collections Strategy

San Francisco, CA · On-site +1

$221K - $253K/yr

The Director of Collections will report to our Chief Product Officer. As the Director of Collections you will: * Build and lead the end-to-end collections strategy across personal loans and student ...

PayJoy

Global Collections Director

San Francisco, CA

$258K - $279K/yr

This is a cross-functional role reporting to the COO and co-founder and will drive meaningful ... Define and execute PayJoy's global collections strategy to deliver predictable portfolio ...

StartX

Global Collections Director

San Francisco, CA · On-site

$258 - $279/hr

This is a cross-functional role reporting to the COO and co-founder and will drive meaningful ... Define and execute PayJoy's global collections strategy to deliver predictable portfolio ...

Earnest

Director of Collections Strategy

San Francisco, CA · On-site +1

$221K - $253K/yr

The Director of Collections will report to our Chief Product Officer. As the Director of Collections you will: * Build and lead the end-to-end collections strategy across personal loans and student ...

PayJoy

Global Collections Director

San Francisco, CA

$258K - $279K/yr

This is a cross-functional role reporting to the COO and co-founder and will drive meaningful ... Define and execute PayJoy's global collections strategy to deliver predictable portfolio ...

PayJoy

Global Collections Director

San Francisco, CA · On-site

$258K - $279K/yr

This is a cross-functional role reporting to the COO and co-founder and will drive meaningful ... Define and execute PayJoy's global collections strategy to deliver predictable portfolio ...

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All JobsCollections Officer JobsCollections Officer Jobs in California

Collections Officer information

See California salary details

$13

$22

$40

How much do collections officer jobs pay per hour?

As of Aug 19, 2026, the average hourly pay for collections officer in California is $22.96, according to ZipRecruiter salary data. Most workers in this role earn between $16.35 and $29.18 per hour, depending on experience, location, and employer.

What is a collections officer?

A collections officer collects debts on behalf of a company or organization. As a collections officer, you work with delinquent accounts and attempt to collect payment from the debtors. You follow all legal processes necessary to collect the amount owed, which may include taking legal action against the borrower. Your job duties may require you to locate and contact the debtors and make personal visits to collect payment. Qualifications for this career include investigative experience and excellent negotiation skills.

What does a collections officer do?

A Collections Officer is responsible for recovering outstanding debts from individuals or businesses on behalf of a company or financial institution. They contact debtors via phone, email, or letters to negotiate repayment plans and ensure payments are made on time. Collections Officers also maintain records of communications, follow up on overdue accounts, and may escalate unresolved cases to legal teams. Their goal is to minimize financial losses while maintaining a professional and respectful relationship with clients.

What are the key skills and qualifications needed to thrive as a collections officer, and why are they important?

To thrive as a Collections Officer, you need a solid understanding of debt collection practices, financial regulations, and strong numerical skills, often supported by a background in finance or business administration. Familiarity with collections management software, CRM systems, and regulatory compliance tools is typically required. Excellent negotiation, resilience, and interpersonal communication skills help Collections Officers engage effectively with clients and resolve payment issues. These skills ensure effective debt recovery, maintain customer relationships, and uphold organizational financial health.

How does a collections officer typically collaborate with other departments to resolve outstanding accounts?

Collections Officers frequently work closely with customer service, sales, and finance teams to resolve outstanding accounts. They may coordinate with customer service to clarify account discrepancies or payment issues and work with the sales team to understand client history and maintain positive relationships. Regular communication with the finance department is also essential for updating payment records and ensuring compliance with company policies. This cross-functional collaboration helps Collections Officers effectively address payment concerns while preserving customer relationships.

What is the difference between Collections Officer vs Credit Analyst?

AspectCollections OfficerCredit Analyst
Required CredentialsHigh school diploma, sometimes certifications in collections or financeBachelor's degree in finance, accounting, or related field
Work EnvironmentFinancial institutions, debt collection agencies, banksBanks, lending companies, financial services firms
Employer & Industry UsagePrimarily in debt recovery and customer service rolesInvolved in assessing creditworthiness and loan approvals
Common Search & Comparison IntentUnderstanding roles in debt collectionEvaluating credit risk and financial analysis

While both roles operate within the financial sector, a Collections Officer focuses on recovering outstanding debts and managing delinquent accounts, often requiring strong communication skills. A Credit Analyst assesses the creditworthiness of individuals or businesses to inform lending decisions, typically requiring analytical skills and financial knowledge. Both roles are essential in financial institutions but serve different functions in credit management.

More about Collections Officer jobs

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What job categories do people searching Collections Officer jobs in California look for?

The top searched job categories for Collections Officer jobs in California are:

What are popular job titles related to Collections Officer jobs in CA?

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Collections Officer jobs near you
Infographic showing various Collections Officer job openings in California as of August 2026, with employment types broken down into 97% Full Time, and 3% Part Time. Highlights an 99% Physical, and 1% Remote job distribution, with an average salary of $47,755 per year, or $23 per hour.

Collections Officer 2

COASTHILLS FEDERAL CREDIT UNION

Santa Maria, CA • On-site

$24 - $28/hr

Full-time

Posted yesterday

New

Job description

SUMMARY


Under the general supervision of the Collections Supervisor, the Collections Officer 2 is responsible for performing a wide variety of member collections duties. Promotes and maintains a positive image of the Credit Union.


ESSENTIAL FUNCTIONS

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The following statements are intended to describe the general nature and level of work being performed by this position. It is not intended to be an exhaustive list of all duties, responsibilities, and skills required of this position. Other duties may be assigned to meet business needs.

Assists other team members within the Department.

Contacts members via telephone, letter, and email to determine reason for delinquency.

Reviews accounts to ensure member has complied with Credit Union requirements.

Evaluates credit lines for potential closure.

Credit Reporting Disputes: Researches and resolves all credit reporting issues and disputes.

Performs Impound Processing as assigned.

Responds to member issues, inquiries and requests and assists members with completing forms and documents.

Handles modifications, including evaluating hardship deferments, disaster relief, modification or re-age Requests.

Submits completed packets to management.

Negative Shares Duties: ODP/Negative (as assigned).

Evaluates account and loan history to determines how payment(s) will be applied.

Negotiates and establishes payment arrangements regarding loans and share accounts.

Researches account loan transactions to resolve payment errors.

Performs duties relating to death claims on loans (as assigned).

Adheres to all policies, procedures, and regulations regarding all Credit-Union related areas.

Complete NOI'S and Deficiency balance letters (as assigned).

.

Recommends loans for collateral seizure.

Adhere to Credit Union Policies and Procedures.

Processes member requests (as assigned).

Evaluates, negotiates, and submits offers to management for recommendation or approval (as assigned).

Utilizes skip tracing platforms to locate members or property.

Trains team members as directed by Supervisor, Manager, AVP Collections or VP Collections.

Regularly attends and participates in in-house training.

Performs duties as assigned by management and may be assigned to work at any location.


The qualifications listed below are representative of the knowledge, skill and/or ability required to perform the essential functions of this position.


Education and Experience

High School diploma or equivalent

Minimum of two years of experience in collections or related area

The following courses must be completed by new Collections Department employees during New Employee Orientation (NEO), and by current employees within ninety days of joining Collections Department:

  1. Fair Debt Collections Practices Act
  2. Fair Debt Reporting Act (FCRA)
  3. Servicemembers Series: Servicemembers Civil Relief Act (SCRA)


Certificates, Licenses and Registrations

None.


Knowledge

Credit Union products, services, programs and promotions.

Experience with computer systems and software.


Other Skills and Abilities

Performs duties accurately and efficiently, even with frequent interruptions.

Operates a variety of office equipment and machines.

Travels, attends, and participates in meetings, seminars, and conferences held before and after normal business hours that may require unaccompanied long-distance travel and overnight lodging.

Ability to work a variety of hours, including evenings and weekends.



AFFIRMATIVE ACTION/EEO STATEMENT:


CoastHills is an Equal Opportunity/Affirmative Action employer. We will consider all qualified applicants for employment without regard to race, color, religion, ancestry, gender, pregnancy, sex, sexual orientation, transitioning status, gender identity, gender expression, national origin, age, genetic information, military and veteran status, marital status, medical condition, mental disability, physical disability, or any other basis protected by local, state, or federal law.

For our EEO Policy Statement, please click here. If you’d like more information on your EEO rights under the law, please click here.