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Debt Collection Jobs in Miami, FL (NOW HIRING)

YMP Real Estate Management LLC

Paralegal

Miramar, FL · On-site

Initiate and manage the debt collection process for residents/tenants with outstanding balances. * Ensure all collection efforts adhere to applicable laws, regulations, and company policies.

YMP Real Estate Management

Paralegal

Miramar, FL · On-site

Initiate and manage the debt collection process for residents/tenants with outstanding balances. * Ensure all collection efforts adhere to applicable laws, regulations, and company policies.

Aprio

Senior Associate, Tax Controversy

Fort Lauderdale, FL · On-site +1

$70K - $133K/yr

Debt Collection Assistance * Assist clients in addressing tax debt issues and developing repayment plans. * Communicate and negotiate with tax authorities to resolve outstanding tax debts. * Monitor ...

Naderpour and Associates

Legal Assistant

Pompano Beach, FL · On-site

$42K - $54K/yr

A. is a Florida-based law firm headquartered in Pompano Beach, focused on providing comprehensive legal services in the area of debt collection litigation and creditors' rights. Established in 2004 ...

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Debt Collection information

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$6

$21

$34

How much do debt collection jobs pay per hour?

As of Aug 27, 2026, the average hourly pay for debt collection in Miami, FL is $21.99, according to ZipRecruiter salary data. Most workers in this role earn between $17.26 and $27.36 per hour, depending on experience, location, and employer.

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 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 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 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.

How to get a job as a debt collector?

To become a debt collector, candidates typically need a high school diploma or equivalent and must pass a background check. Relevant skills include communication, negotiation, and knowledge of debt collection laws; some employers may require certification or training programs. Entry-level positions often involve on-the-job training and may require a valid driver's license for fieldwork.

Is it hard to be a debt collector?

Being a debt collector can be challenging as it requires strong communication skills, persistence, and the ability to handle difficult conversations. The job often involves working under pressure to meet collection targets and may require knowledge of relevant laws and regulations. Success in this role depends on interpersonal skills and resilience.

What qualifications do I need to be a debt collector?

To become a debt collector, candidates typically need a high school diploma or equivalent. Employers often require good communication skills, the ability to handle stressful situations, and may provide on-the-job training; some positions may also require a valid driver's license and background checks. Certification is not mandatory but can enhance job prospects and credibility in the field.

What are popular job titles related to Debt Collection jobs in Miami, FL?

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

What job categories do people searching Debt Collection jobs in Miami, FL look for?

The top searched job categories for Debt Collection jobs in Miami, FL are:

What cities near Miami, FL are hiring for Debt Collection jobs?

Cities near Miami, FL with the most Debt Collection job openings:

Debt Collection jobs near you
Infographic showing various Debt Collection job openings in Miami, FL as of August 2026, with employment types broken down into 1% As Needed, 82% Full Time, 15% Part Time, and 2% Contract. Highlights an 92% Physical, 3% Hybrid, and 5% Remote job distribution, with an average salary of $45,748 per year, or $22 per hour.

Manager, Digital and AI Debt Collections

Pompano Beach, FL

Southern Auto Finance Company, LLC
Finance and Insurance • 51 - 200 employees
Learn more about Southern Auto Finance Company, LLCexternal

Full-time

Medical, Dental, Vision, Life, Retirement

Re-posted 11 days ago

Job description

Manager, Digital and AI Debt Collections
Full-Time | Exempt | In-Office | Pompano Beach, Florida
SAFCO is seeking a driven, forward-thinking professional to help lead the digital and AI transformation of our debt collection and loan servicing operations.
This role will focus on developing more effective ways to engage customers through SMS/text messaging, email, AI-powered solutions, and other digital channels. The ideal candidate combines debt collections or loan servicing experience with strong analytical skills, curiosity about emerging technology, and the ability to turn new ideas into measurable results.
This is an exciting opportunity for someone who enjoys building programs from the ground up and wants to make a visible impact within a growing organization.
What You Will Do
  • Develop and execute digital collection strategies using SMS/text messaging, email, chat, and other digital communication channels
  • Identify opportunities to incorporate AI into collection workflows, customer engagement, account prioritization, and operational decision-making
  • Evaluate customer response, engagement, contact, and payment data to improve digital campaigns and collection outcomes
  • Design and test messaging strategies, contact sequences, segmentation approaches, and targeted campaigns for delinquent customers
  • Partner with IT, Compliance, Data Analysts, and departmental leaders to implement digital and AI-driven solutions
  • Analyze existing collection and servicing processes to identify opportunities for automation, efficiency, and improved customer engagement
  • Research and evaluate technology vendors, platforms, and AI tools that can enhance collection operations
  • Develop performance metrics, dashboards, and reporting to measure the effectiveness of digital collection strategies
  • Ensure digital communications and collection practices comply with applicable regulations, internal policies, and customer consent requirements
  • Document processes, workflows, campaign strategies, and operating procedures
  • Manage or assist in managing a small team responsible for digital collection initiatives and related operational activities
  • Train, coach, and support employees as new technologies and collection strategies are introduced
What We Are Looking For
  • Debt collections or loan servicing experience required
  • Bachelor’s degree required
  • Strong interest in digital communications, automation, artificial intelligence, and emerging technology
  • Experience using SMS/text messaging, email, or other digital channels to communicate with customers
  • Highly analytical, curious, and motivated to use data to improve results
  • Strong project management skills and the ability to take initiatives from concept through implementation
  • Detail-oriented and willing to dig into processes, workflows, campaign performance, and customer behavior
  • Ability to collaborate effectively with IT, Compliance, Analytics, Operations, vendors, and senior leadership
  • Experience managing, supervising, mentoring, or coaching employees preferred
  • Experience with process improvement, workflow mapping, policies, or procedures is a plus
  • Ability to balance innovation, customer experience, operational performance, and regulatory compliance
Why Join SAFCO?
  • Competitive salary and bonus opportunity
  • Comprehensive benefits package, including medical, dental, vision, life insurance, disability, and a 401(k) with Company match
  • Stable company with more than 30 years of success and growth
  • Opportunity to help shape SAFCO’s digital and AI collection strategy
  • Ability to make a visible impact and grow your career
  • Collaborative, team-oriented culture that values innovation, accountability, and professional development
Relocation Requirement: This position is 100% in-office at SAFCO’s headquarters in Pompano Beach, Florida. Remote and hybrid work are not available. Candidates who do not currently live in South Florida must be willing and able to relocate to the area.
If you have debt collections or servicing experience and are excited about using digital technology and AI to build the future of customer engagement, we encourage you to apply today.
SAFCO is an EOE/drug-free workplace.
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