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Credit Collections Representative Jobs (NOW HIRING)

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 ...

Langley

Collections Representative

Newport News, VA · On-site

$17.64 - $21.78/hr

As a Collections Representative you'll receive competitive hourly pay plus the opportunity to earn ... Langley Federal Credit Union is one of the 100 largest credit unions in the United States with over ...

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Credit Collections Representative information

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How much do credit collections representative jobs pay per hour?

As of Sep 10, 2026, the average hourly pay for credit collections representative in the United States is $23.57, according to ZipRecruiter salary data. Most workers in this role earn between $20.91 and $25.48 per hour, depending on experience, location, and employer.

What is a credit collections representative?

Credit Collections Representatives are professionals responsible for contacting customers who have overdue accounts to arrange payment and resolve outstanding debts. They communicate with clients via phone, email, or mail, negotiate repayment plans, and maintain accurate records of all collection activities. Their goal is to recover funds for their organization while maintaining positive relationships with customers and adhering to relevant laws and regulations.

What skills and qualifications are needed to thrive as a credit collections representative?

To thrive as a Credit Collections Representative, you need a solid understanding of accounts receivable processes, strong negotiation skills, and typically a high school diploma or equivalent. Familiarity with collections management software, CRM systems, and basic accounting tools is essential for efficiency. Excellent communication, persistence, and problem-solving abilities are standout soft skills in this role. These skills ensure effective debt recovery, maintain customer relationships, and help achieve financial targets for the organization.

What are common challenges faced by credit collections representatives, and how can they be managed effectively?

Credit Collections Representatives often encounter challenges such as handling difficult conversations with customers, negotiating payment plans, and managing a high volume of accounts. Effective management of these challenges involves strong communication skills, empathy, and persistence. Utilizing customer relationship management (CRM) tools and collaborating closely with the finance and sales teams can help streamline processes and improve outcomes. Ongoing training and support from supervisors also play a key role in building confidence and maintaining professionalism in challenging situations.

What is the difference between Credit Collections Representative vs Accounts Receivable Clerk?

AspectCredit Collections RepresentativeAccounts Receivable Clerk
CredentialsHigh school diploma; some roles prefer collections or finance certificationsHigh school diploma; basic accounting knowledge often preferred
Work EnvironmentOffice setting, often interacting with customers and debtorsOffice setting, handling invoicing and payment processing
Industry UsageFinancial services, lending, credit companiesAny industry with invoicing, including retail and manufacturing
Search/Comparison IntentUnderstanding roles related to debt collection and credit managementManaging accounts receivable and payment processing

The main difference is that a Credit Collections Representative focuses on recovering overdue payments by contacting debtors, while an Accounts Receivable Clerk manages invoicing, payment processing, and maintaining customer accounts. Both roles are essential in financial operations but serve different functions within the credit and collections process.

What states have the most Credit Collections Representative jobs?

States with the most job openings for Credit Collections Representative jobs include:

What are popular job titles related to Credit Collections Representative jobs?

For Credit Collections Representative jobs, the most frequently searched job titles are:

Credit Collections Representative jobs near you
Infographic showing various Credit Collections Representative job openings in the United States as of August 2026, with employment types broken down into 86% Full Time, 12% Part Time, and 2% Contract. Highlights an 64% Physical, 1% Hybrid, and 35% Remote job distribution, with an average salary of $49,018 per year, or $23.6 per hour.

Credit & Collections

Saint Louis Park, MN • On-site

Allstate Peterbilt group
Trucking • 501 - 1,000 employees
Learn more about Allstate Peterbilt groupexternal

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 28 days ago

Key responsibilities

  • Work closely with the sales department to set up accounts and release pending orders.

  • Gather credit information, check references, and establish accounts within a set timeframe.

  • Call on past due accounts, make notations, provide documentation, and collect or reconcile disputes.

Allstate Peterbilt Group rating

8.4

Company rating: 8.4 out of 10

Based on 20 frontline employees who took The Breakroom Quiz

17th of 160 rated car dealerships

Job description

The Credit & Collections Representative position will work closely with the sales department to ensure timely set up of accounts and release of pending orders. The credit representative will gather credit information for the establishment of accounts within a set number of days, including checking references. The credit representative will call on past dues accounts, make notations on accounts, provide requested documentation on past due invoices, collect or reconcile disputes and/or discrepancies and establish working relationships with the accounts payable department of all assigned customer accounts. Other daily duties include, but are not limited to A/R processing of electronic payments for checks and credit card, and account maintenance within multiple systems.
Ideal candidate will have business to business collection experience and strong attention to detail. Multi-tasking and a sense of urgency is essential in this position. A basic understanding of general ledger accounts is needed. The ability to analyze credit history and assess risk within a limited amount of time is important.
Credit & Collections Qualifications:
  • 2-year accounting or related degree.
  • 3+ years' experience in the business-to-business collections arena
  • Ability to work with a high sense of urgency and take personal initiative.
  • Strong customer service background
  • Excellent problem solving, verbal, written communication and people skills are required.
  • Must have the ability to prioritize workload while ensuring all tasks are completed.
  • Must have interpersonal skills to interface with both internal and external customers.
  • Intermediate Excel and computer skills.

Other responsibilities include but are not limited to:
Working on special projects as assigned by the Credit Manager.
Credit & Collections Benefits Include:
  • 16 days PTO plus holidays available during first year of employment
  • Immediate transition into new health insurance coverage
  • Three different medical plans designed to fit your needs
  • FSA/HSA plans to help with medical and childcare reimbursement
  • Dental and Vision Insurance plans
  • Short and Long-Term Disability
  • Supplemental Term Life Insurance and other co-insurance options
  • 401(k) with Match
  • Multiple Tuition Reimbursement programs and scholarship opportunities
  • Extensive in-house training
  • Health and wellness benefits
  • Doctor on Demand mobile app
  • Verizon wireless employee discounts
  • CDL re-imbursement program
  • Multiple dealership locations to allow for relocation opportunities
  • Endless advancement opportunities throughout the company

Allstate Peterbilt Group is an Equal Opportunity, Affirmative Action, Minority, Female, Veteran, and Disability employer. The company is also a drug-free workplace; candidates are required to pass a drug test before beginning employment.
#INCorp1
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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