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Collections Representative Jobs in Philadelphia, PA

Emsl

Credit and Collections Representative

Riverton, NJ · On-site

$23 - $24/hr

Credit And Collections Representative EMSL is seeking a Credit and Collections Representative in Cinnaminson, NJ. This is a hands on role performing business to business collections. Essential duties ...

Canon Careers

Collections Representative I

Burlington, NJ · Hybrid

$18.16 - $27.19/hr

We are seeking a Collections Representative I (Representative, Collections I) to join our team. In this role, you will be responsible for managing past-due accounts, including customers with balances ...

WLCC II

Collections Representative

Claymont, DE · On-site

$16 - $16.50/hr

Job purpose Under the direction of the Collection Manager, Must operate within the approved guidelines, policies and procedures of the FDCPA. Duties and responsibilities > Collector must make minimum ...

WLCC II

Collections Representative

Claymont, DE · On-site

$16 - $16.50/hr

Job purpose Under the direction of the Collection Manager, Must operate within the approved guidelines, policies and procedures of the FDCPA. Duties and responsibilities > Collector must make minimum ...

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How much do collections representative jobs pay per hour?

As of Aug 31, 2026, the average hourly pay for collections representative in Philadelphia, PA is $19.30, according to ZipRecruiter salary data. Most workers in this role earn between $16.49 and $21.35 per hour, depending on experience, location, and employer.

What does a collections representative do?

A Collections Representative is responsible for contacting individuals or businesses to collect overdue payments on accounts. They communicate with customers via phone, email, or mail to negotiate payment plans, resolve disputes, and ensure accounts are brought up to date. Additionally, they may update account records, process payments, and sometimes recommend further action for accounts that remain delinquent. Their role requires strong communication, negotiation skills, and a good understanding of company policies and relevant regulations.

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

To thrive as a Collections Representative, you need strong negotiation skills, attention to detail, and a high school diploma or equivalent. Familiarity with customer relationship management (CRM) software, collections databases, and payment processing systems is commonly required. Excellent communication, patience, and resilience are crucial soft skills for handling difficult conversations and maintaining professionalism. These abilities are vital for ensuring effective debt recovery while preserving positive customer relationships and adhering to compliance standards.

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

Collections Representatives often work closely with departments such as customer service, sales, and accounting to resolve outstanding balances. For example, they may coordinate with customer service to clarify billing issues or with accounting to verify payment records. Effective communication and teamwork are essential, as these collaborations help ensure accurate information, improve customer satisfaction, and increase the likelihood of successful collections. Being proactive in cross-department communication can also speed up account resolution and enhance overall workflow.

How much do collections representatives make?

Collections representatives typically earn a median annual salary of around $40,000 to $50,000, with experienced professionals or those in supervisory roles earning higher. Compensation can vary based on location, experience, and the complexity of accounts managed, and often includes commission or bonuses for successful collections.
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Collections Representative jobs near you
Infographic showing various Collections Representative job openings in Philadelphia, PA as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $40,140 per year, or $19.3 per hour.

Collections Representative

Aston, PA

Sun East Federal Credit Union
Commercial Banking • 51 - 200 employees
Learn more about Sun East Federal Credit Unionexternal

$16 - $20.75/hr

Full-time

Medical, Dental, Vision, Life, Retirement

Re-posted 27 days ago

Job description

Sun East Federal Credit Union is currently seeking a Collections Representative to join our Collections Team. The Collections Representative is responsible for performing collection of assigned delinquent accounts by telephone, correspondence and email. This person will always put the member and fellow employees first every day, exemplifying Sun East's Mission and Values in all that you do.

The Collections Representative will determine an appropriate plan of action for each delinquent account, i.e., letter and telephone. Contacts members regarding delinquent accounts, including MasterCard and negative balances, and handles all follow-up work related to the member contact. Completes follow-up work for members who have not continued repayment schedule as agreed upon. Completes follow-up work of appropriate reports. Process deferments on qualifying loan products in a timely manner. Conducts all member contact in compliance with the Fair Debt Collection Practice Act and accomplishes the job of collecting in a dignified manner. Performs other related duties as assigned.

This position requires a High School Diploma or equivalent. 1 to 2 years of previous collections experience and familiarity with collection laws and must have good computer skills along with excellent communication skills. This position will require working Monday through Friday 8:30 am to 5:00 pm and rotating weekends.

This Collections Representative position earns a competitive wage, depending on experience. We also offer a robust benefits package including medical, dental, vision, a flexible spending account (FSA), a 401(k) plan with company match, life insurance, an interest rate reduction on loans, and employee discounts on things such as movie tickets, theme parks and local events. If this sounds like the opportunity that you've been looking for, apply now!

Please be advised that credit, criminal, employment, and education background checks are conducted on potential candidates. A post-offer, pre-employment drug test is also conducted.

About Sun East Federal Credit Union

Headquartered in Aston, PA, Sun East was chartered in 1949 as the result of Sun Oil Company employees banding together to assist each other with their financial needs. From these humble beginnings, we have grown to serve the financial needs of more than 50,400 members throughout Delaware, Pennsylvania, and New Jersey. As a credit union, we are a cooperative financial institution, owned and operated by its members. The basis of our philosophy is "people helping people."

"Together, we will be our members' heroes and build relationships that create lasting legacies, one person at a time." In order, to hire and retain employees who will make this mission their own; we offer competitive pay, a comprehensive benefits package, and a rewarding work environment with opportunities for career development.

ARE YOU READY TO JOIN OUR TEAM?

If you feel that you would be right for this Collections Representative position, please fill out our initial 3-minute, mobile-friendly application. We look forward to meeting you!


Please be advised that credit, criminal, employment, and education background checks are conducted on potential candidates. A post-offer, pre-employment drug test is also conducted.

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