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Credit Card Collections Jobs (NOW HIRING)

St Mary's Bank

Collections Specialist I

Manchester, NH · On-site

$18 - $24.50/hr

Qualifications • High School diploma with at least three years of collection experience in mortgage, mobile home, consumer loans and/or credit card collections. • Knowledge of a year of Fair Debt ...

Holtzman Corp

Settlement Analyst

Mount Jackson, VA · On-site

Duties include complicated balancing of credit card collections from our numerous gas consignment stations including complex multi-layered research and troubleshooting. Candidate will also ...

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$54.5K

$87.1K

$127K

How much do credit card collections jobs pay per year?

As of Jun 29, 2026, the average yearly pay for credit card collections in the United States is $87,109.00, according to ZipRecruiter salary data. Most workers in this role earn between $71,000.00 and $100,000.00 per year, depending on experience, location, and employer.

What are some common challenges faced in a Credit Card Collections role and how are they managed?

One of the main challenges in a Credit Card Collections role is effectively communicating with customers who may be experiencing financial difficulties, leading to emotionally charged or sensitive conversations. To manage this, collectors receive training in de-escalation techniques and negotiation strategies, allowing them to find mutually agreeable payment solutions while maintaining professionalism and empathy. Additionally, strict adherence to regulatory guidelines, such as the Fair Debt Collection Practices Act (FDCPA), is essential in every interaction. Successful collectors focus on building rapport and trust with customers, which helps increase recovery rates and supports long-term customer retention.

What are the key skills and qualifications needed to thrive in the Credit Card Collections position, and why are they important?

To thrive in Credit Card Collections, you need strong communication and negotiation skills, a keen understanding of financial processes, and often a high school diploma or equivalent. Familiarity with collections software, CRM systems, and basic office applications is commonly required, and certifications in credit and collections can be advantageous. Empathy, patience, problem-solving, and resilience are valuable soft skills that help navigate challenging customer interactions. These competencies are crucial for recovering outstanding payments while maintaining positive customer relations and adhering to industry regulations.

What is a Credit Card Collections job?

A Credit Card Collections job involves contacting customers who have overdue credit card payments to remind them of their balances and help them find ways to make payments. Collections agents negotiate payment plans, provide information about outstanding debts, and follow company policies and legal regulations. The goal is to recover past-due payments while maintaining a professional and respectful relationship with the cardholder. Strong communication, problem-solving, and negotiation skills are essential for success in this role.

More about Credit Card Collections jobs
What cities are hiring for Credit Card Collections jobs? Cities with the most Credit Card Collections job openings:
What states have the most Credit Card Collections jobs? States with the most job openings for Credit Card Collections jobs include:
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Credit Card Collections jobs near you
Infographic showing various Credit Card Collections job openings in the United States as of June 2026, with employment types broken down into 83% Full Time, 16% Part Time, and 1% Temporary. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $87,109 per year, or $41.9 per hour.

Credit & Collections Analyst

flowcontrol

Charlotte, NC

Other

Posted 9 days ago

Job description

Job Summary:

We are seeking a highly motivated and detail-oriented Credit and Collections Analyst to join our team in our Charlotte, NC office. This is a permanent, full-time position reporting directly to the Supervisor of Credit and Collections. The ideal candidate will be a strong team player who can effectively manage and prioritize multiple responsibilities while maintaining a focus on delivering results.

 

Essential Duties and Responsibilities:

  • Review and perform collections for an assigned portfolio of customer accounts
  • Proactively follow up on high-value invoices via phone and email in alignment with team collection strategies to ensure timely payment
  • Investigate and follow up on past due accounts to determine root causes
  • Identify and implement strategies to improve customers’ DSO (Days Sales Outstanding) and reduce payment cycles
  • Maintain accurate records, collection notes, and customer information in the Prophet 21 (P21) system
  • Email monthly statements to customers within the assigned portfolio
  • Review sales orders placed on credit hold and evaluate risk
  • Assess payment history to determine credit hold status or credit limit adjustments
  • Investigate and resolve unauthorized deductions in collaboration with the sales branch
  • Establish repayment plans for delinquent accounts within policy guidelines
  • Process customer credit card payments as required
  • Develop and maintain strong partnerships with internal teams, including Sales, Cash Application, and Billing
  • Build and nurture relationships with external customers, ensuring timely and professional communication
 
Education and Experience Requirements:
  • Bachelor’s degree in Finance, Business Administration, or a related field
  • 3 to 5 years of experience in B2B collections
  • Proficiency in Microsoft Office, with strong skills in Microsoft Excel
  • Experience with Prophet 21 (P21) software is strongly preferred

Key Competencies:

  • Strong analytical and problem-solving skills
  • Excellent verbal and written communication skills
  • Ability to work independently and within a team
  • Capable of managing multiple tasks and priorities in a fast-paced environment
  • Customer-focused with a proactive approach to issue resolution
  • This is an excellent opportunity for a finance professional looking to grow their career with a stable and supportive organization. If you are passionate about credit and collections and enjoy building relationships both internally and externally, we encourage you to apply.

 

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