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Credit And Collections Jobs in Rochester, NY (NOW HIRING)

Bounce AI

Commercial Collections Specialist

Rochester, NY · On-site

$22 - $26/hr

Attend ongoing training on commercial credit terms, negotiation tactics, and industry-specific practices. Requirements * Previous experience in commercial/B2B collections, credit and collections, or ...

Robert Half

Collections Specialist

Rochester, NY · On-site

$24 - $25/hr

We are looking for a Collections Specialist to support receivables activities for a long-term ... Working knowledge of credit and collection practices, including account follow-up, payment ...

Farm Credit East

Credit Analyst Associate

Batavia, NY · Hybrid

$55K - $80K/yr

Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with nearly $15 ...

WorldWide Electric Corp

Credit Analyst

Fairport, NY · On-site

The Credit Analyst is responsible for supporting the credit team responsibilities at WorldWide Electric. The Credit Analyst will work with the accounting team to ensure customer payments are entered ...

WorldWide Electric Corp

Credit Analyst

Fairport, NY · On-site

$50K/yr

The Credit Analyst is responsible for supporting the credit team responsibilities at WorldWide Electric. The Credit Analyst will work with the accounting team to ensure customer payments are entered ...

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All JobsCredit And Collections JobsCredit And Collections Jobs in Rochester, NY

Credit And Collections information

See Rochester, NY salary details

$53.8K

$86K

$125.4K

How much do credit and collections jobs pay per year?

As of Aug 27, 2026, the average yearly pay for credit and collections in Rochester, NY is $85,987.00, according to ZipRecruiter salary data. Most workers in this role earn between $70,100.00 and $98,700.00 per year, depending on experience, location, and employer.

What is a credit and collections specialist?

Credit and Collections professionals are responsible for assessing the creditworthiness of potential customers, setting credit limits, and ensuring that payments are collected on time. They work to minimize financial risk for their organization by monitoring accounts receivable, following up on overdue payments, and negotiating payment plans if necessary. These professionals play a key role in maintaining healthy cash flow and customer relationships while adhering to company policies and legal regulations.

What are the key skills and qualifications needed to thrive as a credit and collections specialist?

To excel as a Credit and Collections Specialist, you need strong analytical abilities, knowledge of credit risk assessment, and familiarity with accounting principles, often supported by a degree in finance or business. Expertise in credit management software (such as SAP or Oracle), spreadsheets, and sometimes certification like the Credit Business Associate (CBA) is often required. Excellent negotiation, communication, and problem-solving skills set top performers apart in this field. These abilities ensure timely payments, minimize financial risk, and help maintain positive client relationships essential for a company’s financial health.

What are some common challenges faced in a credit and collections role, and how can they be effectively managed?

Professionals in Credit and Collections often encounter challenges such as negotiating with customers over past-due accounts, handling high account volumes, and balancing the need for cash flow with maintaining customer relationships. Effective management of these challenges involves strong communication skills, familiarity with legal and regulatory guidelines, and the ability to analyze credit reports and payment histories. Utilizing up-to-date collection software and collaborating closely with sales and customer service teams can also help streamline processes and improve collection rates while keeping customer satisfaction in mind.

What is the difference between Credit And Collections vs Accounts Receivable Specialist?

AspectCredit And CollectionsAccounts Receivable Specialist
Primary FocusAssessing credit risk, collecting overdue paymentsManaging invoicing, recording payments, maintaining accounts
CredentialsCredit training, financial analysis skillsAccounting knowledge, ERP software experience
Work EnvironmentFinance or collections department, often high-pressureAccounting or finance department, detail-oriented
Common Industry UsageBanking, finance, credit firmsCorporate finance, accounting departments

While both roles involve financial transactions, Credit And Collections focuses on evaluating creditworthiness and recovering overdue payments, whereas Accounts Receivable Specialists handle invoicing, recording payments, and maintaining customer accounts. Understanding these differences helps employers and job seekers target the right skills and responsibilities for each position.

What is the career path for credit and collections?

A career in credit and collections typically starts with entry-level roles such as collections specialist or credit analyst. Progression can lead to senior positions like credit manager, collections supervisor, or credit director, often requiring experience, strong analytical skills, and knowledge of credit risk assessment tools. Certifications such as Certified Credit and Collection Professional (CCCP) can enhance advancement opportunities.

What is the job of credit and collections?

The job of credit and collections involves assessing customers' creditworthiness, setting credit limits, and managing the collection of outstanding debts. Professionals in this role use financial analysis, communication skills, and collection tools to ensure timely payments and minimize bad debt for a company.

What are the most commonly searched types of Credit And Collections jobs in Rochester, NY?

The most popular types of Credit And Collections jobs in Rochester, NY are:

What are popular job titles related to Credit And Collections jobs in Rochester, NY?

For Credit And Collections jobs in Rochester, NY, the most frequently searched job titles are:

What job categories do people searching Credit And Collections jobs in Rochester, NY look for?

The top searched job categories for Credit And Collections jobs in Rochester, NY are:

What cities near Rochester, NY are hiring for Credit And Collections jobs?

Cities near Rochester, NY with the most Credit And Collections job openings:

Credit And Collections jobs near you
Infographic showing various Credit And Collections job openings in Rochester, NY as of August 2026, with employment types broken down into 87% Full Time, 2% Temporary, and 11% Contract. Highlights an 83% In-person, 11% Hybrid, and 6% Remote job distribution, with an average salary of $85,948 per year, or $41.3 per hour.

Commercial Collections Specialist

Bounce AI

Rochester, NY • On-site

$22 - $26/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 16 days ago

Job description

Description
Bounce AI is a fintech startup transforming how businesses recover outstanding receivables, leveraging machine learning, automation, and deep personalization tailored to each account's financial situation.
For creditors, we:
  • Transform how they transact, giving creditors control over liquidity and risk.
  • Empower business debtors with a seamless, professional collections experience to maximize recoveries while preserving the business relationship.
  • Utilize a highly optimized workflow, from first contact to resolution; our platform evolves based on real interactions and continuously incoming data feeds.
  • Reduce legal and operational risk with automated compliance designed by experts and enforced by code.
  • Unlock account insights by exploring new data sources.

For business debtors, we:
  • Provide convenient, flexible ways to resolve outstanding balances, with representatives available via phone, email, or chat.
  • Offer a professional, discreet, and compliant process focused on reaching fair resolution.
  • Provide structured repayment terms or custom arrangements tailored to the business's cash flow.

About Us
We are looking for a Commercial Collector who can negotiate directly with business owners, controllers, and accounts payable contacts to resolve past-due commercial accounts - while maintaining professionalism and protecting the underlying business relationship. The successful candidate will own the full resolution process for their assigned portfolio, using sound judgment, financial acumen, and negotiation skill to recover outstanding balances.
How You'll Spend Your Time
  • Manage inbound and outbound communication with business owners, principals, and accounts payable/finance contacts via phone, email, and written correspondence.
  • Review account documentation - invoices, contracts, personal guarantees, aging reports - to build an accurate picture of each commercial account.
  • Negotiate repayment plans, settlements, or structured terms appropriate to the size and complexity of each commercial account.
  • Skip-trace and verify authorized signers or guarantors on business accounts as needed.
  • Meet key performance indicators (recovery rate, contact rate, resolution timelines) as outlined by management.
  • Adhere to compliance standards, including FDCPA (where applicable to personal guarantors), UCC, and state commercial collection regulations.
  • Escalate accounts appropriately for legal placement, dispute review, or bankruptcy handling.
  • Attend ongoing training on commercial credit terms, negotiation tactics, and industry-specific practices.

Requirements
  • Previous experience in commercial/B2B collections, credit and collections, or commercial lending preferred.
  • Strong understanding of business financials, cash flow constraints, and commercial credit terms.
  • Excellent verbal and written communication skills, with the ability to negotiate confidently with business owners and finance professionals.
  • High attention to detail and strong critical thinking for reviewing account documentation and structuring resolution plans.
  • Skilled at negotiation and conflict resolution, particularly with sophisticated or high-value counterparties.
  • Comfortable working in a fast-paced, evolving environment.

What We Offer
A successful Commercial Collector combines the tenacity and structure of traditional collections work with the business fluency of someone who can speak credibly to a business owner or CFO about cash flow, terms, and risk. They balance firmness with professionalism, understanding that today's debtor may be tomorrow's customer.
Current Available Full Time Shifts:
M-F 8:30am to 5:00pm
Paid Training Program:
2-week, full-time training program
Office Location:
This is an in-office role
Pay:
$22-$26 hourly
Benefits:
  • Full medical, dental, and vision
  • 401k with contribution matching up to 5%
  • 12 days of accrued PTO
  • 11 paid holidays

Bounce is an equal-opportunity employer that is dedicated to diversity and inclusion. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
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