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Debt Collection Agent Jobs (NOW HIRING)

Thomas Talent Network

AI Agent Engineer

New York, NY · On-site

$200K - $300K/yr

... debt collection -- a $35B US market. Its AI agents already outperform human collectors 2x at a ... About the Role Building its voice AI agent infrastructure in-house and needs an AI Agent Engineer ...

Zwicker & Associates, P.C.

Debt Recovery Agent

Hebron, KY · On-site

$17 - $20/hr

C. is a national creditor rights law firm that emphasizes ethics, compliance, and assertive representation of our clients' interests, making us the industry leader in debt collection. Founded in 1991 ...

Zwicker & Associates, P.C.

Debt Recovery Agent

Hebron, KY · On-site

$17 - $20/hr

C. is a national creditor rights law firm that emphasizes ethics, compliance, and assertive representation of our clients' interests, making us the industry leader in debt collection. Founded in 1991 ...

WEX

Collections Support 2 (Recovery Agent)

$18.30 - $20.60/hr

About the Team/Role As a Collections Support 2 (Recovery Agent), you are an essential contributor ... Maintain standard operating adherence to the Fair Debt Collection Practices Act (FDCPA), internal ...

eNett

Collections Support 2 (Recovery Agent)

$18.30 - $20.60/hr

About the Team/Role As a Collections Support 2 (Recovery Agent), you are an essential contributor ... Maintain standard operating adherence to the Fair Debt Collection Practices Act (FDCPA), internal ...

WEX, Inc.

Collections Support 2 (Recovery Agent)

$18.30 - $20.60/hr

About the Team/Role As a Collections Support 2 (Recovery Agent), you are an essential contributor ... Maintain standard operating adherence to the Fair Debt Collection Practices Act (FDCPA), internal ...

Rifa AI

Agent Engineer

San Francisco, CA · On-site

$120 - $180/hr

We're live in production today, handling debt collection calls for US financial services clients ... And our Agent Studio lets engineers, non-engineers, and auditors collaborate to build and improve ...

New

MCI Careers

Call Center Collections Agent

Tampa, FL

$14 - $15.20/hr

Understanding of debt collection laws and regulatory requirements is highly desirable. * Strong ... Collections Agent who can combine empathy, professionalism, and negotiation skills to help ...

MCI Careers

Call Center Collections Agent

Tampa, FL · On-site

$14 - $15.20/hr

Understanding of debt collection laws and regulatory requirements is highly desirable. * Strong ... Collections Agent who can combine empathy, professionalism, and negotiation skills to help ...

ValorVIP

Call Center Collections Agent

Tampa, FL · On-site

$14 - $15.20/hr

... Collections Agent who can combine empathy, professionalism, and negotiation skills to help ... Understanding of debt collection laws and regulatory requirements is highly desirable. * Strong ...

ValorVIP

Call Center Collections Agent

Tampa, FL · On-site +1

$14.25 - $18.75/hr

... Collections Agent who can combine empathy, professionalism, and negotiation skills to help ... Understanding of debt collection laws and regulatory requirements is highly desirable. * Strong ...

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Debt Collection Agent information

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$11

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$28

How much do debt collection agent jobs pay per hour?

As of Sep 4, 2026, the average hourly pay for debt collection agent in the United States is $18.06, according to ZipRecruiter salary data. Most workers in this role earn between $14.42 and $20.43 per hour, depending on experience, location, and employer.

What is a debt collection agent?

Debt collection agents are professionals who work on behalf of creditors to recover unpaid debts from individuals or businesses. They contact debtors via phone, mail, or email to negotiate payment plans, remind them of outstanding balances, and try to recover the owed funds. Debt collection agents must follow strict laws and regulations to ensure ethical and legal practices during the collection process. They may work directly for original creditors or for specialized debt collection agencies.

What are the key skills and qualifications needed to thrive as a debt collection agent, and why are they important?

To thrive as a Debt Collection Agent, you need a solid understanding of debt collection laws and negotiation techniques, often supported by a high school diploma or equivalent. Familiarity with customer relationship management (CRM) software, dialer systems, and payment processing tools is typically required. Excellent communication, resilience, and problem-solving skills help agents handle difficult conversations and maintain professionalism under pressure. These skills ensure effective debt recovery, compliance with regulations, and the maintenance of positive relationships with clients and debtors.

What are some common challenges faced by debt collection agents, and how are they typically addressed in the workplace?

Debt Collection Agents often encounter challenges such as handling difficult conversations with debtors, managing high call volumes, and meeting collection targets. To address these, many organizations provide thorough training on negotiation techniques, emotional resilience, and legal compliance. Supportive team environments and regular feedback sessions can help agents share effective strategies and stay motivated. Additionally, access to robust customer management systems streamlines workflow and assists agents in tracking communications efficiently.

What is the difference between Debt Collection Agent vs Credit Analyst?

AspectDebt Collection AgentCredit Analyst
Required CredentialsHigh school diploma; sometimes certifications in collections or financeBachelor's degree in finance, accounting, or related field
Work EnvironmentCollections agencies, banks, or financial institutions; often high-pressureBanks, lending companies, or corporate finance departments; office setting
Employer & Industry UsagePrimarily in debt recovery and collectionsIn credit risk assessment and lending decisions
Common Search & Comparison IntentUnderstanding roles in debt recoveryEvaluating creditworthiness and financial risk

While both roles involve finance and require some knowledge of credit, a Debt Collection Agent focuses on recovering unpaid debts, often working in collections agencies or banks. A Credit Analyst assesses credit risk to help lenders make informed decisions. The roles differ in responsibilities, work environment, and required credentials, but both are integral to financial operations.

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What states have the most Debt Collection Agent jobs?

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Debt Collection Agent jobs near you
Infographic showing various Debt Collection Agent job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 79% Full Time, 18% Part Time, and 2% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $37,572 per year, or $18.1 per hour.

AI Agent Engineer

Thomas Talent Network

New York, NY • On-site

$200K - $300K/yr

Full-time

Posted 25 days ago

Key responsibilities

  • Build and maintain the voice AI infrastructure using LiveKit and related systems.

  • Design and own the architecture of real-time voice-agent systems, including orchestration, state management, latency optimization, prompting, and reliability.

  • Own the end-to-end prompting strategy, including conversation flows, tone, compliance-safe phrasing, guardrails, and handling edge cases.

Job description

About the Company

A fast-growing, YC-backed seed-stage startup (founded 2024) using generative AI to automate debt collection — a $35B US market. Its AI agents already outperform human collectors 2x at a fraction of the cost, doing 10M+ calls per month. With a team of five, it scaled to a $2M annualized run rate in just a few months, targeting $10M ARR this year.

About the Role

Building its voice AI agent infrastructure in-house and needs an AI Agent Engineer to own it end-to-end. You'll build on top of LiveKit, design the orchestration layer, own the prompting strategy for millions of consumer interactions, and continuously improve voice-agent performance through rigorous testing and iteration. A highly technical role for someone equally comfortable building production-grade systems and writing the conversational AI logic that powers real-world outcomes. Deep voice-AI experience is ideal; a strong infrastructure engineer who is analytical and business-minded is also a fit.

What You'll Own
  • Build the voice AI infrastructure in LiveKit from the ground up
  • Design and own the architecture of real-time voice-agent systems: orchestration, state management, latency optimization, prompting, reliability
  • Own the end-to-end prompting strategy: conversation flows, tone, compliance-safe phrasing, guardrails, edge-case handling
  • Build and maintain testing/evaluation frameworks (A/B testing, regression testing, conversation QA, benchmarking, KPI reporting)
  • Write, expand, and continuously improve prompting to cover more real-world scenarios
  • Iterate on performance data and call outcomes to improve containment, conversion, liquidation rates, and satisfaction
  • Optimize ASR, STT, TTS, turn-taking, interruption handling, and state transitions
  • Build scalable systems/tooling for millions of voice interactions; migrate clients off legacy voice infra while preserving customizations
  • Work with product, operations, and leadership to translate business goals into high-performing agent behavior
Must-Have
  • 2+ years in voice AI, conversational AI, prompt engineering, speech systems, or related agentic workflows
  • 3+ years in platform, infrastructure, or backend engineering
  • Strong experience with Node.js, AWS, and SQL
  • Experience building and shipping production systems in a startup or similarly fast-paced environment
  • Experience with voice orchestration platforms or agent frameworks such as LiveKit or equivalent
  • Strong prompt-writing instincts; designs clear, effective, resilient conversational flows
  • Strong analytical skills; ties technical work directly to business outcomes and ROI
  • Excellent written and verbal English (required for the prompt-engineering component)
  • High ownership and strong work ethic
  • Based in or willing to relocate to NYC; in-person 4–5 days per week
Nice-to-Have
  • SIP trunking, telephony infrastructure, and production voice systems
  • Real-time audio pipelines, call routing, carrier/telephony integrations
  • Speech infrastructure in production environments
  • Domain knowledge in debt collection, financial services, or regulated consumer communication
Details

Employment: Full-Time  |  Location: Manhattan, NY — In-person (4–5 days/week)  |  Experience: 3–10 years
Compensation: $200,000–$300,000 / year + equity. No visa sponsorship.