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Collections Representative Jobs in Phoenix, AZ (NOW HIRING)

Concord Servicing

Collections Representative

Scottsdale, AZ

$17.25 - $22.25/hr

The Collections Representative is responsible for contacting borrowers regarding past-due loan accounts, negotiating repayment arrangements, and resolving delinquencies in a compliant and borrower ...

Concord Servicing

Collections Representative

Scottsdale, AZ · On-site

$17.25 - $22.25/hr

The Collections Representative is responsible for contacting borrowers regarding past-due loan accounts, negotiating repayment arrangements, and resolving delinquencies in a compliant and borrower ...

Concord Servicing

Collections Representative

Scottsdale, AZ · On-site

$17.25 - $22.25/hr

The Collections Representative is responsible for contacting borrowers regarding past-due loan accounts, negotiating repayment arrangements, and resolving delinquencies in a compliant and borrower ...

Peyton Resource Group (PRG)

Be Seen First

Collections Representative

Phoenix, AZ · On-site

$17 - $21.75/hr

* Responsible for understanding the members' needs and delivering personalized solutions and education that will improve their overall financial security. In addition, this role protects the financial ...

Fresenius Medical Care

PAR Collections

Chandler, AZ · On-site +1

$16.75 - $21.75/hr

The Patient Account Representative - Collections provides administrative support to the collections operations within the assigned function(s). Through ongoing database maintenance, the Patient ...

Empereon Constar

1st Party Collections

Phoenix, AZ · On-site

$16.50 - $21.25/hr

Our 1st Party Collectors thrive in a quick collections-cycle environment and play a fundamental role in achieving our ambitious customer acquisition and revenue growth objectives. The ideal candidate ...

Empereon Constar

3rd Party Collections

Phoenix, AZ · On-site

$16.50 - $21.25/hr

Our 3rd Party Collectors thrive in a quick collections-cycle environment and play a fundamental role in achieving our ambitious customer acquisition and revenue growth objectives. The ideal candidate ...

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Collections Representative information

See Phoenix, AZ salary details

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How much do collections representative jobs pay per hour?

As of Aug 22, 2026, the average hourly pay for collections representative in Phoenix, AZ is $18.99, according to ZipRecruiter salary data. Most workers in this role earn between $16.25 and $21.01 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 Phoenix, AZ as of August 2026, with employment types broken down into 1% As Needed, 83% Full Time, 14% Part Time, and 2% Contract. Highlights an 71% Physical, 1% Hybrid, and 28% Remote job distribution, with an average salary of $39,497 per year, or $19 per hour.

Collections Representative

Concord Servicing

Scottsdale, AZ

$17.25 - $22.25/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 17 days ago

Job description

Concord is a Loan Servicing Fintech company committed to helping borrowers navigate their financial obligations with clarity and respect. Our Collections team plays a critical role in maintaining positive borrower relationships while protecting the financial integrity of our servicing portfolio. This is an onsite position based at our Contact Center in Scottsdale, AZ.

The Collections Representative is responsible for contacting borrowers regarding past-due loan accounts, negotiating repayment arrangements, and resolving delinquencies in a compliant and borrower-friendly manner. The ideal candidate brings 2-3 years of collections or contact center experience and is comfortable working in a high-volume, fast-paced environment.

Duties and Responsibilities:

  • Contact borrowers via inbound and outbound calls to address past-due loan accounts and secure payment commitments
  • Negotiate repayment plans, deferrals, and other arrangements in accordance with company policy and regulatory guidelines
  • Accurately document all account activity, payment arrangements, and borrower interactions in the loan servicing system
  • Adhere to all applicable federal and state regulations, including FDCPA, FCRA, and CFPB guidelines
  • Identify and escalate accounts requiring special handling, hardship assistance, or supervisor review
  • Meet or exceed individual performance metrics including contact rates, promises to pay, and collector effectiveness
  • Collaborate with team members and leadership to resolve complex account issues and contribute to departmental goals
  • Maintain a professional and empathetic demeanor in all borrower interactions, reflecting Concord's commitment to respectful service

Requirements

  • 2-3 years of experience in collections, loan servicing, or a related contact center environment.
  • Working knowledge of FDCPA, FCRA, and other applicable consumer lending regulations.
  • Strong negotiation and communication skills with a demonstrated ability to resolve delinquencies effectively and empathetically.
  • Proficiency with loan servicing platforms or CRM systems; ability to learn proprietary software quickly.
  • Excellent attention to detail and ability to manage a high volume of accounts with accuracy and urgency.
  • High school diploma or equivalent required; associate's or bachelor's degree in a related field preferred.
  • Must be able to work onsite at the Chandler, AZ Contact Center; this position is not eligible for remote work.

Benefits

  • Health Care Plan (Medical, Dental & Vision)
  • Retirement Plan (401k, IRA)
  • Life Insurance (Basic, Voluntary & AD&D)
  • Paid Time Off (Vacation, Sick & Public Holidays)
  • Family Leave (Maternity, Paternity)
  • Short Term & Long Term Disability
  • Training & Development
  • Free Food & Snacks
  • Wellness Resources

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