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Credit Collections Jobs in Phoenix, AZ (NOW HIRING)

pca

Sales Servicing Specialist

Waddell, AZ · On-site

Responsible for overall account management, which may include recordkeeping, credit applications, forecasts, budgets and credit collections from delinquent accounts. Basic Qualifications: * Bachelor ...

Splash Financial

Collections Specialist

Phoenix, AZ

$21/hr

And we've been able to refinance $6+ Billion in loans through our network of Splash, powered credit ... Splash is remote-first, and proud of it -- though our collections team works in-person at our ...

Splash Financial

Collections Specialist

Mesa, AZ · On-site

$21/hr

And we've been able to refinance $6+ Billion in loans through our network of Splash, powered credit ... Splash is remote-first, and proud of it - though our collections team works in-person at our ...

Adecco

Call Center Collections Specialist

Tempe, AZ

$22/hr

Order updated credit bureau report or initiate skip tracing process in accordance with established ... Communicate regularly with collections supervisor on status of problem accounts in accordance with ...

Adecco

Call Center Collections Specialist

Tempe, AZ · On-site

$22/hr

Order updated credit bureau report or initiate skip tracing process in accordance with established ... Communicate regularly with collections supervisor on status of problem accounts in accordance with ...

Chadwell Supply

Credit Specialist

Phoenix, AZ · On-site

$21 - $23/hr

Credit Specialist Opportunity Smart, innovative, and hard-working? Perfect! We are growing and need ... Previous collections, accounts receivable, accounts payable or property management experience.

Chadwell Supply

Credit Specialist

Phoenix, AZ · On-site

$21 - $23/hr

Overview The Credit Specialist is responsible for communicating with customers regarding credit ... Previous collections, accounts receivable, accounts payable or property management experience.

Chadwell Supply

Credit Specialist

Phoenix, AZ · On-site

$21 - $23/hr

Overview The Credit Specialist is responsible for communicating with customers regarding credit ... Previous collections, accounts receivable, accounts payable or property management experience.

JPMorgan Chase & Co

Auto Collections Specialist III

Tempe, AZ · On-site

$18 - $24.50/hr

As a Collections Specialist III within JPMorganChase, you will play a crucial role in mitigating ... S. in credit card sales and deposit growth and have the most-used digital solutions - all while ...

Concord Servicing

Collections Representative

Scottsdale, AZ · On-site

$17.25 - $22.25/hr

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 ...

Chadwell Supply

Property Management Credit

Phoenix, AZ · On-site

$21 - $23/hr

Previous collections, accounts receivable, accounts payable or property management experience ... Grants extension of credit. * Receives payments and posts amount to customer account as needed.

Concord Servicing

Collections Representative

Scottsdale, AZ

$17.25 - $22.25/hr

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 ...

Aveanna Healthcare

Collections Specialist

Chandler, AZ · On-site

$19/hr

As a Collections Specialist here at Aveanna, you'll play a vital role in our Revenue Cycle department, ensuring invoices sent to payers are processed and settled efficiently. We are looking for ...

Concord Servicing

Collections Representative

Scottsdale, AZ · On-site

$17.25 - $22.25/hr

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 ...

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How much do credit collections jobs pay per hour?

As of Sep 7, 2026, the average hourly pay for credit collections in Phoenix, AZ is $24.37, according to ZipRecruiter salary data. Most workers in this role earn between $20.77 and $27.69 per hour, depending on experience, location, and employer.

What is credit collections?

Credit Collections refers to the process of recovering unpaid debts from individuals or businesses who have borrowed money or purchased goods or services on credit. Professionals in this field work to ensure that overdue accounts are paid, often by contacting customers, negotiating payment plans, and sometimes initiating legal action if necessary. The goal is to minimize financial losses for the company while maintaining positive customer relationships whenever possible. Credit Collections specialists must have strong communication and negotiation skills, as well as a good understanding of financial regulations and company policies.

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

To thrive as a Credit Collections Specialist, you need a solid understanding of accounting principles, credit management, and collections processes, typically supported by a relevant degree or equivalent experience. Familiarity with collections software, CRM systems, and proficiency in Excel are often required, along with knowledge of relevant regulations. Excellent negotiation, communication, and problem-solving skills help professionals handle challenging conversations and build positive client relationships. These skills are crucial for maximizing recoveries, maintaining customer goodwill, and ensuring compliance with legal standards.

What are some common challenges faced in a credit collections role, and how are they typically addressed?

Professionals in Credit Collections often encounter challenges such as negotiating with customers who are experiencing financial difficulties, managing a high volume of accounts, and maintaining positive customer relationships while ensuring timely payments. These challenges are typically addressed through strong communication and negotiation skills, using customer relationship management (CRM) tools to track interactions, and collaborating closely with sales and finance teams to resolve disputes. Ongoing training in conflict resolution and staying updated on company policies also help collections specialists navigate these situations effectively.

Is working in credit collections a good job?

Working in credit collections involves contacting customers to recover overdue payments and often requires strong communication and negotiation skills. The job can offer steady employment and opportunities for advancement, but it may also involve high-pressure situations and rejection. Compensation varies by employer and experience, and some roles may require certifications or familiarity with collection software.

What are the most commonly searched types of Credit Collections jobs in Phoenix, AZ?

The most popular types of Credit Collections jobs in Phoenix, AZ are:

What cities near Phoenix, AZ are hiring for Credit Collections jobs?

Cities near Phoenix, AZ with the most Credit Collections job openings:

Credit Collections jobs near you
Infographic showing various Credit Collections job openings in Phoenix, AZ as of August 2026, with employment types broken down into 90% Full Time, and 10% Part Time. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $50,697 per year, or $24.4 per hour.

Specialist, Collections, V1

Carrington Holding Company, LLC

Phoenix, AZ • On-site

$24.50/hr

Full-time

Medical, Retirement

Posted 28 days ago

Job description


Come join our amazing team and work at our office in Phoenix, AZ
JOB SUMMARY:
As a Collections Specialist, you will be responsible for counseling borrowers on methods for bringing their loan current and/or exploring alternative solutions. Negotiate loan workouts and/or modifications, occasionally needing to refer the most complex situations to a higher level Late Stage Collections Specialist. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, wherein the company operates.
This role is the intermediate level of the Late Stage Collections Specialist job family, and incumbents generally perform work of moderate complexity. Incumbents are able to perform both the collections activities and loan workout/modification functions performed by the Late Stage Collections Specialist job family. This level of Late Stage Collections Specialist becomes the single point of contact for borrowers. The approved starting pay is $24.50 per hour plus a monthly bonus incentive.
What You'll Do
• Explains detailed mortgage loan information to borrowers, including the HUD Waterfall, mortgage loan information, and loan workout and modification options to borrowers.
• Evaluates and helps determine the borrower's ability to pay, and collects appropriate financial information in a courteous and professional manner, striving for first-call resolution and in compliance with all applicable regulations.
• Counsels borrowers on their options through education of alternative solutions.
• Contacts borrowers, utilizing an automated dialing system (Aspect Dialer) for both inbound and outbound calls and conducts manual outbound calls.
• Provides alternatives to borrowers who demonstrate the ability and/or inability to pay, by offering loan modifications, short sales, Deed in Lieu of Foreclosure, and/or possible refinancing.
• Negotiates reasonable payment arrangements with borrowers, assembles and provides the required documents to complete a borrower "Request for Mortgage Assistance" package in compliance with department policies and procedures.
• Functions as the single point of contact for a borrower.
• May need to escalate borrowers to a licensed Loss Mitigation associate for specific workout details.
• Provide status on payments and payoff inquiries; review short sale requests; provide vendor information on Real Estate Owned (REO) properties; verify payment history and new servicer contact information; process payments.
• Assist with loan servicing website payments, denied access, and password resets.
• Respond to escrow, loss draft, and closing document inquiries.
• Provide status on a wide variety of loan servicing functions including loss draft, short sale, Deed in Lieu of Foreclosure, modification/refinance requests, payment/credit disputes, escrow refunds, vendors for REO properties, repayment plans, and down payments on foreclosure-pending mortgages.
• Perform other duties as assigned.
What You'll Need
• High school diploma or equivalent work experience
• Two (2) years of collections, loss mitigation, or single point of contact experience in a call center environment
• A minimum of two (2) years' experience in the Banking, Mortgage/Loan Servicing industries
• Strong knowledge of the Fair Debt Collection Practices Act
• Strong knowledge of relevant and industry-specific computer software packages
• Strong verbal communication skills - ability to express or exchange ideas by means of the spoken word, communicating orally with others accurately, audibly, and quickly
• Negotiation skills that allow the Late Stage Collections Specialist to control the call and come to a proper resolution for both the company and the borrower
• Proficient higher-level math skills needed to calculate and communicate borrower payments.
• Ability to understand moderately complex collection issues and to collaborate and explore alternative solutions
Our Company:
Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more, visit: www.carringtonmortgage.com.
What We Offer:
  • Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed.
  • Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.
  • Customized training programs to help you advance your career.
  • Employee referral bonuses so you'll get paid to help Carrington and Vylla grow.
  • Educational Reimbursement.
  • Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org.

Notice to all applicants: Carrington does not do interviews or make offers via text or chat.

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