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Collections Officer Jobs in California (NOW HIRING)

Advantage Ambulance

Collections Specialist

Riverside, CA · On-site

$20 - $23/hr

Amenities...our CEO has been quoted saying "I want this place to be supportive, fun, inviting ... Minimum 2 years Collections experience (Required) * Ability to work an 8-hour shift Monday-Friday ...

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 ...

New

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 ...

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 · 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 ...

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 ...

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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 14, 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 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.

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.

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.

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.

More about Collections Officer jobs

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For Collections Officer jobs in California, the most frequently searched job titles are:

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 92% Full Time, 6% Part Time, and 2% Temporary. Highlights an 98% Physical, 1% Hybrid, and 1% Remote job distribution, with an average salary of $47,755 per year, or $23 per hour.

Loss Mitigation Officer 1

American First Credit Union

Brea, CA • On-site

$24.35 - $36/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 7 days ago

Job description

Loss Mitigation (Collection) Officer 1

As an American First Associate, you’ll play a vital role in serving the community while enjoying a rewarding career. We are a $1 Billion financial institution located in Orange County looking for Collections Officer with excellent customer service skills, initiative and a desire to work in a team setting.


Position Summary

As a Loss Mitigation Officer, you will collect on delinquent loans and over-drawn accounts to minimize losses and ensure that Credit Union assets are adequately protected while maintaining favorable member relations. You will determine and recommend modified payment schedules and extensions by evaluating members’ present status in order to make provisions for recovering outstanding balances. In addition, this position is responsible for processing all types of member levies and subpoena requests.


Qualifications

  • Minimum one-year experience in collections
  • Working knowledge and experience in all phases of collections, including bankruptcy, repossessions, fraud, skip-tracing, small claims, and truth-in-lending requirements.
  • Working knowledge of the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), Federal and State collection laws terms and definitions
  • Experience with automated collection systems including word processing and spreadsheet software.
  • Experience working with digital signing software (DocuSign), video conferencing (Microsoft Teams), and the ability to use online and digital resources to collaborate with others remotely.

The salary range for this position is $24.35-$30.44-$-$36.00

The salary range for positions are based on current market industry studies as well as job evaluations.

During the offer phase Management will determine the appropriate compensation within the compensation range based on experience, education and internal equity.


Schedule

  • Onsite Position Mon-Fri (40 hours a week) with an opportunity to work in a hybrid environment after 90 days of employment.
  • Monday-Friday 8:00 am – 4:30 pm
  • Occasional late shift 11:15 am-7:45 pm
  • Must Reside in California


Safe and Secure Since 1952. At American First, our allegiance is to the Member. As a financial cooperative, owned entirely by Members, our goal is to provide the highest quality financial services at the lowest possible cost. We offer excellent benefits: medical, dental, vision, paid life, Long term disability and AD&D insurance, generous 401(K) plan with employer match, free banking and discounts on consumer loans, paid holidays, vacation, sick, flexible spending accounts, tuition reimbursement, special recognition programs and much more.

To learn more about us, please visit us at https://www.amerfirst.org/JoinOurTeam.aspx




We perform thorough background and credit check.

American First Credit Union is an EEO/AA/Disability/Vets Employer

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