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Debt Collection Jobs in California (NOW HIRING)

KMC

Early Stage Collector

Foothill Ranch, CA · On-site

$16.50 - $21.50/hr

Strong knowledge of relevant federal and state debt collection laws and guidelines including, FDCPA, Rosenthal Act, Regulation F, FCRA, TCPA, GLBA, EFTA, SCRA, UDAAP, Bankruptcy Code Sections 362 ...

Optio-Solutions,-LLC

Vice President of Sales

Petaluma, CA · On-site

$135 - $150/hr

Industry Expertise - Stay updated on trends, regulatory changes, and emerging technologies in debt collection and accounts receivable management. * Consultative Selling - Utilize a consultative ...

The Hankey Group

Collection Supervisor

Agoura Hills, CA · On-site

$25/hr

Authorizes or refers accounts for repossession and legal actions against debtors. * Assists subordinates with collection activities in difficult cases. * Supervises and coordinates activities of ...

Zwicker & Associates, P.C.

Associate Attorney

Glendale, CA · On-site

$120K - $140K/yr

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 ...

Lobel Financial Corporation

Be Seen First

Collections Specialist (30+ day Auto Finance)

Anaheim, CA · On-site

$21 - $25/hr

The successful candidate ensures all collection calls are accurately notated, follows state and federal debt collection laws, and adheres to company policies and procedures. Basic Responsibilities

Zwicker & Associates, P.C.

Associate Attorney

Glendale, CA · On-site

$120K - $140K/yr

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 ...

Cherokee Federal

Financial Investigator

San Diego, CA · On-site

$90K - $98K/yr

... debt collection matters. * Research and identify assets utilizing data amplification programs/systems and through various forms of cryptocurrencies. * Coordinate surveillance of debtors with ...

Zwicker & Associates, P.C.

Associate Attorney

Glendale, CA · On-site

$120K - $140K/yr

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 ...

New Gig Solutions

Associate Attorney

San Francisco, CA · Remote

$105K/yr

Handle cases involving debt collection, financial hardship, or tenant rights * Use the firm's Salesforce-based system to track progress and manage communications * Collaborate closely with senior ...

Prodigal

Account Executive

Mountain View, CA

$200K - $280K/yr

Day 0-30 - Acquire domain knowledge, understand our App-suite, master debt-collection talk tracks * Day 30-60 - Take over 15 active Mid-Market opportunities. * Day 60-90 - Close your first $100k+ ARR ...

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All JobsDebt Collection JobsDebt Collection Jobs in California

Debt Collection information

See California salary details

$7

$22

$35

How much do debt collection jobs pay per hour?

As of Aug 16, 2026, the average hourly pay for debt collection in California is $22.69, according to ZipRecruiter salary data. Most workers in this role earn between $17.79 and $28.22 per hour, depending on experience, location, and employer.

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

To thrive as a Debt Collector, you need strong negotiation abilities, knowledge of financial regulations, and typically a high school diploma or equivalent. Familiarity with collections management software, customer relationship management (CRM) systems, and sometimes certification in debt collection practices is beneficial. Excellent communication, resilience, and problem-solving skills help build rapport and handle difficult conversations with debtors. These skills are crucial for maximizing successful collections while maintaining compliance and positive client relationships.

What is the difference between Debt Collection vs Credit Analyst?

AspectDebt CollectionCredit Analyst
Required CredentialsHigh school diploma, sometimes certifications in collectionsBachelor's degree in finance, economics, or related field
Work EnvironmentCollections agencies, banks, or credit firms; often fast-paced and target-drivenBanking institutions, corporations; analytical and office-based
Employer & Industry UsageUsed by debt collection agencies, financial institutionsUsed by banks, credit companies, and financial services

Debt Collection and Credit Analyst roles share some financial knowledge but differ in focus. Debt collectors primarily recover overdue payments, often working in high-pressure environments, while credit analysts evaluate creditworthiness to inform lending decisions. Both roles require financial understanding but serve different functions within the credit industry.

What are some common challenges faced by debt collectors and how can they be managed effectively?

Debt collectors often encounter challenges such as dealing with uncooperative or distressed customers, managing high call volumes, and adhering to strict regulatory requirements. Effective communication skills, empathy, and resilience are crucial for handling difficult conversations and finding solutions that work for both the debtor and the organization. Many companies provide ongoing training, team support, and access to compliance resources to help collectors navigate these challenges and maintain high ethical standards.

What is debt collection?

Debt collection is the process of pursuing payments of debts owed by individuals or businesses. Collection agencies or internal company departments contact debtors to recover outstanding amounts, often after the original creditor has been unsuccessful in collecting the debt. The process may involve phone calls, written notices, and in some cases, legal action. Debt collectors must follow regulations that protect consumers, such as the Fair Debt Collection Practices Act (FDCPA) in the United States. The goal is to recover as much of the owed amount as possible while complying with legal and ethical standards.

What are the most commonly searched types of Debt Collection jobs in California?

The most popular types of Debt Collection jobs in California are:

What are popular job titles related to Debt Collection jobs in California?

For Debt Collection jobs in California, the most frequently searched job titles are:

What job categories do people searching Debt Collection jobs in California look for?

The top searched job categories for Debt Collection jobs in California are:

What cities in California are hiring for Debt Collection jobs?

Cities in California with the most Debt Collection job openings:

Debt Collection jobs near you
Infographic showing various Debt Collection job openings in California as of August 2026, with employment types broken down into 1% Internship, 1% As Needed, 77% Full Time, 17% Part Time, 2% Temporary, and 2% Contract. Highlights an 93% Physical, 3% Hybrid, and 4% Remote job distribution, with an average salary of $47,205 per year, or $22.7 per hour.

Early Stage Collector

KMC

Foothill Ranch, CA • On-site

$16.50 - $21.50/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 2 days ago

Job description

Join the newly established captive finance company of the leading global brand, Kawasaki Motors, based in Foothill Ranch, CA. Our commitment to innovation and quality has made Kawasaki a trusted name in the powersports industry. We provide our customers with exceptional products and services, including top-notch retail finance solutions. Join our team and be part of a dynamic company that values excellence, customer satisfaction, and continuous improvement. Together, we can help our customers embark on their next adventure with confidence and ease.
Key Responsibilities:
Engage Customers with Empathy & Purpose:
Proactively reach out to customers through phone, email, text, and other approved communication channels to address early-stage delinquency and always delivering a positive experience.
Negotiate with Compassion and Professionalism:
Collaborate with customers to understand their financial situations and negotiate payment arrangements that align with both customer needs and company objectives. Demonstrate empathy in conversations around financial difficulty, offering hardship support options such as structured payment plans. Monitor accounts to proactively intervene before they advance into later stages of delinquency, focusing on preserving the customer relationship and reducing loss exposure.
Maintain a Brand-Forward Approach:
Represent the company with integrity and professionalism in every interaction, ensuring a customer-centric experience that upholds our brand values and long-term relationships.
Identify and Escalate Specialized Issues:
Accurately recognize and route sensitive account matters, including insurance claims, bankruptcy filings, title questions, suspected fraud, payment research, cease and desist request to the appropriate teams for resolution.
Support Resolution Through Research:
Conduct payment history reviews and account research to assist customers in understanding their balances, account terms and available options to keep their accounts current.
Document with Precision:
Document all customer communications, payment arrangements, escalations, and outcomes accurately and promptly in the Loan Management System (LMS) to ensure continuity and compliance.
Conduct Basic Skip Tracing:
Utilize available tools and resources to perform basic skip tracing efforts for locating customers and assets.
Handle Complaints Professionally:
Respond to verbal complaints with calm, solution-oriented communication, escalating matters when necessary while maintaining detailed records for follow-up.
Collaborate Cross-Functionally:
Work closely with internal departments including Customer Service and Titles, to ensure seamless, accurate and consistent account management.
Ensure Regulatory and Policy Compliance:
Adhere to all applicable federal and state laws including FDCPA, Rosenthal Act, Regulation F, FCRA, TCPA, GLBA, EFTA, SCRA, Bankruptcy Code Sections 362 & 524, UDAAP, and internal company policies and procedures.
Support Team Initiatives: Contribute to departmental goals by assisting with special projects, process improvements, and other operational tasks, as well as other duties as assigned.
Qualifications:
  • Associate's degree in Finance, Business, or other related field preferred: equivalent work experience will be considered.
  • A minimum of 3 years of experience in early-stage collections within the Auto, Powersports and consumer finance industry is required.
  • Excellent verbal and written communication skills, with a strong focus on empathy, emotional intelligence, and active listening. Ability to de-escalate tense conversations while maintaining professionalism and customer trust.
  • Strong negotiation, interpersonal and detail-oriented skills.
  • Proven ability to negotiate payment arrangements with tact, respect and a solution-oriented mindset, even in sensitive or emotionally charged situations.
  • Highly organized and detail-oriented, with a commitment to accurate documentation and adherence to company procedures, legal requirements, and regulatory standards.
  • Comfortable using Loan Servicing Systems and CRM tools; proficiency in Microsoft Office applications (Excel, Word, Outlook). Experience in dialer platforms and digital communication tools is a plus.
  • Strong knowledge of relevant federal and state debt collection laws and guidelines including, FDCPA, Rosenthal Act, Regulation F, FCRA, TCPA, GLBA, EFTA, SCRA, UDAAP, Bankruptcy Code Sections 362 & 524.
  • Consistently promotes a positive, inclusive, and respectful team environment built on trust, open communication, and mutual support. Demonstrates professionalism in all interactions and actively contributes to a collaborative workplace culture that values teamwork, integrity, accountability and shared achievement. Supports a healthy and productive work environment by encouraging transparency, solution-focused dialogue, and alignment with the company values and goals.
  • Ability to work onsite in Foothill Ranch, CA.

Profile Differentiators:
  • Previous experience in early-stage debt collection or similar roles within the powersports or automotive finance industries.
  • Familiarity with skip tracing tools, digital communication platforms, and loan servicing systems.
  • Strong knowledge of collection laws and regulatory compliance.

Salary:
$21.00-$27.00hr based on experience and qualifications
To support your health and wellness goals, Kawasaki provides a comprehensive benefits program dedicated to the well-being of our employees and their families.
What We Offer:
  • Competitive salary based on experience
  • Medical, Dental, Vision and Pet insurance
  • 401(k) match
  • Life and Disability benefits
  • Generous PTO policy
  • Up to 12 paid company holidays
  • Employee discounts on Kawasaki products
  • Onsite fitness center
  • Kawasaki Kafé

KMRF is an Equal Opportunity Employer; employment with KMRF is governed on the basis of merit, competence and qualifications and will not be influenced in any manner by race, color, religion, gender, national origin/ethnicity, veteran status, disability status, age, sexual orientation, gender identity, marital status, mental or physical disability or any other legally protected status.
Equal Opportunity Employer
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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