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Debt Collection Officer Jobs (NOW HIRING)

Structured Settlement

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Debt Collection Manager

Phoenix, AZ · On-site

$40K - $80K/yr

Operations Director / CEO About Us We are a professional debt recovery agency dedicated to ethical, compliant, and effective collection practices. We partner with clients across industries to recover ...

YMP Real Estate Management LLC

Paralegal

Miramar, FL · On-site

Initiate and manage the debt collection process for residents/tenants with outstanding balances ... Support the CFO by reviewing legal documents, affidavits, and other documentation. * Organizing and ...

Ryde Technologies

Mid-level Payroll Specialist

Washington, DC · On-site

$26.50 - $36.25/hr

Apply working knowledge of federal payroll regulations and guidance, including NFC directives, OMB guidance, CFR, the CFO Act, and the Debt Collection Improvement Act. * Utilize federal payroll ...

Ryde Technologies

Mid-level Payroll Specialist

Washington, DC · On-site

$26.50 - $36.25/hr

Apply working knowledge of federal payroll regulations and guidance, including NFC directives, OMB guidance, CFR, the CFO Act, and the Debt Collection Improvement Act. * Utilize federal payroll ...

Foundever

Compliance Officer North America

Familiarity with FDCPA, CFPB guidelines, insurance sales regulations, and debt collection standards ... About Us Job Summary The Compliance Officer - North America owns and drives the effectiveness of ...

Ryde Technologies, LLC

Senior Payroll Specialist

Washington, DC · On-site

$33.25 - $45.50/hr

Apply knowledge of federal payroll regulations and guidance , including NFC directives, OMB guidance, CFR, the CFO Act, and the Debt Collection Improvement Act. * Utilize federal payroll systems and ...

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Debt Collection Officer information

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How much do debt collection officer jobs pay per hour?

As of Aug 29, 2026, the average hourly pay for debt collection officer in the United States is $23.26, according to ZipRecruiter salary data. Most workers in this role earn between $16.59 and $29.57 per hour, depending on experience, location, and employer.

What is a debt collection officer?

Debt Collection Officers are professionals responsible for recovering unpaid debts from individuals or businesses on behalf of creditors or collection agencies. Their duties include contacting debtors by phone, email, or mail, negotiating repayment plans, and maintaining records of all interactions and payments. They must follow legal and ethical guidelines to ensure fair treatment of debtors while maximizing the recovery of outstanding amounts. Strong communication, negotiation, and problem-solving skills are essential for success in this role.

What skills and qualifications are needed to be a debt collection officer?

To thrive as a Debt Collection Officer, you need strong negotiation, communication, and analytical skills, often supported by a background in finance or related fields. Familiarity with debt collection software, CRM systems, and compliance regulations such as the Fair Debt Collection Practices Act (FDCPA) is typically required. Persistence, professionalism, and conflict resolution abilities help build rapport with debtors and maintain positive client relationships. These skills and qualities are vital for efficiently recovering debts while upholding ethical standards and minimizing legal risks.

How does a debt collection officer collaborate with legal and finance teams?

As a Debt Collection Officer, you will often work closely with both legal and finance departments to ensure outstanding debts are collected in compliance with regulations. You may coordinate with the finance team to verify account details and payment histories, while collaborating with legal professionals when escalated cases require formal recovery actions. This teamwork is essential for navigating complex cases and maintaining a professional, ethical approach to collections. Open communication and a clear understanding of each department’s role help streamline processes and improve recovery rates.

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

AspectDebt Collection OfficerCredit 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 institutionsBanks, lending companies, or financial services firms
Employer & Industry UsagePrimarily in debt recovery and collectionsIn credit risk assessment and loan approval
Common Search & Comparison IntentUnderstanding roles in debt recoveryEvaluating creditworthiness and financial analysis

While both roles operate within the financial industry, a Debt Collection Officer focuses on recovering overdue debts, often working directly with delinquent accounts. A Credit Analyst assesses credit risk and helps determine loan eligibility. The roles differ in their primary functions but share some credentials and industry environments, making them common points of comparison for job seekers and employers alike.

How do you become a debt collection officer?

To become a debt collection officer, candidates typically need a high school diploma or equivalent, strong communication skills, and sometimes prior experience in customer service or collections. Many employers provide on-the-job training, and some roles may require knowledge of relevant laws and regulations, such as the Fair Debt Collection Practices Act. Certification is not mandatory but can enhance job prospects.

What qualifications do I need to be a debt collection officer?

A debt collection officer typically needs a high school diploma or equivalent; some employers prefer post-secondary education or relevant experience. Strong communication, negotiation skills, and knowledge of debt collection laws are important. Familiarity with collection software and the ability to handle difficult situations are also beneficial.
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Debt Collection Officer jobs near you
Infographic showing various Debt Collection Officer job openings in the United States as of August 2026, with employment types broken down into 96% Full Time, and 4% Part Time. Highlights an 99% Physical, and 1% Remote job distribution, with an average salary of $48,388 per year, or $23.3 per hour.

Debt Collection Manager

Phoenix, AZ • On-site

Structured Settlement
See more jobs at Structured Settlementexternal

$40K - $80K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 13 days ago

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Job description

Employment Type: Full-time

Competitive base salary + performance based incentives

Comprehensive benefits package (health, dental, vision, retirement plan)

Reports to: Operations Director / CEO

About Us

We are a professional debt recovery agency dedicated to ethical, compliant, and effective collection practices. We partner with clients across industries to recover outstanding balances while treating consumers with respect and adhering strictly to all applicable laws and regulations. Our team values integrity, results, and continuous improvement.

The Role

We are seeking an experienced Debt Collection Manager to lead our collections team. In this role, you will oversee daily operations, drive performance, ensure regulatory compliance, and develop strategies that maximize recoveries while maintaining high standards of professionalism and customer treatment.

Key Responsibilities

  • Lead, coach, and motivate a team of collectors to achieve and exceed recovery targets and KPIs
  • Develop, implement, and refine collection strategies, scripts, and workflows
  • Monitor portfolio performance, analyze data, and produce regular reports on recovery rates, aging, and team productivity
  • Ensure full compliance with all relevant laws and regulations (including FDCPA, and applicable state/local rules)
  • Handle escalated accounts, complex negotiations
  • Maintain accurate records and support audit readiness

What We’re Looking For

  • Proven experience (ideally 5+ years) in debt collections, with at least 2–3 years in a supervisory or managerial role
  • Strong knowledge of consumer protection and collections regulations
  • Demonstrated success in meeting or exceeding recovery targets
  • Excellent leadership, coaching, and people management skills
  • Strong analytical ability and comfort with performance metrics and reporting
  • Outstanding communication, negotiation, and problem solving skills
  • High ethical standards and a commitment to treating consumers fairly
  • Proficiency with collection software/CRM systems Google and Microsoft Office

What We Offer

  • Competitive base salary + performance based incentives
  • Comprehensive benefits package (health, dental, vision, retirement plan)
  • Professional development and training opportunities
  • Supportive, results driven team environment
  • Opportunity to make a measurable impact on company performance


We are an equal opportunity employer and value diversity in our workplace.

Join us and help lead a high performing collections team that delivers results the right way.

Company Description

We have been in business 20 plus years, four locations and growing!