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Debt Collection Officer Jobs (NOW HIRING)

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 ...

TrueML

Legal Assistant

Everett, WA

$21 - $23/hr

After 30 years in the debt resolutions space, Sentry Credit began our most exciting chapter yet by ... In this role, you will bridge the gap between our collection officers and legal counsel, ensuring ...

TrueML

Legal Assistant

Everett, WA

$21 - $23/hr

After 30 years in the debt resolutions space, Sentry Credit began our most exciting chapter yet by ... In this role, you will bridge the gap between our collection officers and legal counsel, ensuring ...

TrueML

Legal Assistant

Everett, WA · On-site

$21 - $23/hr

After 30 years in the debt resolutions space, Sentry Credit began our most exciting chapter yet by ... In this role, you will bridge the gap between our collection officers and legal counsel, ensuring ...

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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 8, 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 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.

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 conversations are also beneficial.

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.

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.

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.

How do you become a debt collection officer?

To become a debt collection officer, candidates typically need a high school diploma or equivalent and should develop skills in communication, negotiation, and customer service. Some employers prefer candidates with experience in finance or collections, and obtaining relevant certifications or training can improve job prospects. The role often requires understanding of debt laws and the use of collection software.
More about Debt Collection Officer jobs
What states have the most Debt Collection Officer jobs? States with the most job openings for Debt Collection Officer jobs include:
What job categories do people searching Debt Collection Officer jobs look for? The top searched job categories for Debt Collection Officer jobs are:
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 94% Full Time, and 6% 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.

Senior Payroll Specialist

Ryde Technologies, LLC

Washington, DC • On-site

$33.25 - $45.50/hr

Full-time

Re-posted 21 days ago

Job description

Overview
We are seeking experienced Senior Payroll Specialists to support federal payroll operations across a variety of employee appointment types. This role is responsible for executing both routine and complex payroll functions using automated federal payroll and personnel systems, ensuring compliance with applicable laws, regulations, and agency policies.
The ideal candidate thrives in a fast-paced, high-volume environment and is committed to delivering accurate payroll processing along with responsive, high-quality customer service.
Key Responsibilities
  • Administer end-to-end biweekly payroll processing, including time and attendance validation, leave audits, payroll adjustments, allotments, pay differentials, lump-sum payments, and tax issue resolution; coordinate with the National Finance Center (NFC) as needed.
  • Process and review retirement-related payroll actions, including deductions, allotments, and retirement and survivor benefit applications.
  • Execute complex payroll transactions such as prior service cost calculations, retirement code updates, and payroll components tied to retirement documentation (e.g., DS-765, DS-2896, DS-3100).
  • Investigate and resolve payroll discrepancies, including suspense items, manual payments, system errors, and adjustment reports.
  • Address payroll issues related to incentives, separation benefits, tax withholdings, direct deposit, benefits contributions, collections, refunds, and leave accruals.
  • Maintain and reconcile payroll records and reports, ensuring accuracy of payroll and retirement data.
  • 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 tools such as NFC, PowerTerm, SPPS, EPIC, and GovTA (or equivalent systems) to process and audit payroll transactions.
  • Analyze payroll data to identify discrepancies, determine root causes, and implement corrective actions.
  • Respond to employee and agency payroll inquiries through the ServiceNow ticketing system, delivering timely and professional customer support.
  • Ensure compliance with reporting, documentation, and record retention requirements in accordance with federal standards.
  • Manage multiple priorities independently while meeting strict deadlines in a high-volume environment.
  • Safeguard sensitive payroll and personnel data while adhering to internal controls and established procedures.

Qualifications
  • Bachelor's degree in Human Resources, Business Administration, or a related field.
  • Minimum of 10 years of experience in federal payroll operations within a U.S. Government agency or department.
  • Demonstrated expertise in federal payroll policies, procedures, and regulatory frameworks (NFC, OMB, CFR, CFO Act, Debt Collection Improvement Act).
  • Hands-on experience with federal payroll systems and tools.
  • Must not have prior USAID experience (per contract requirements).

Skills & Competencies
  • Exceptional attention to detail and accuracy.
  • Ability to work independently in a fast-paced, high-volume environment.
  • Strong analytical, problem-solving, and critical-thinking skills.
  • Effective written and verbal communication skills.
  • Proficiency in Microsoft Office Suite.

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