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Debt Collection Jobs in Phoenix, AZ (NOW HIRING)

Structured Settlement

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Debt Collection Manager

Phoenix, AZ · On-site

$40K - $80K/yr

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 ...

Aprio

Senior Associate, Tax Controversy

Phoenix, AZ · 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 ...

Blitt and Gaines, P.C.

Associate Attorney

Phoenix, AZ · On-site

C. BG is an industry-leading debt collection law firm that has been in business for over 30 years. Our Firm has 47 attorneys and 250 support staff throughout 9 offices in the following states:

Blitt and Gaines

Associate Attorney

Phoenix, AZ · On-site

$75K - $125K/yr

C. BG is an industry-leading debt collection law firm that has been in business for over 30 years. Our Firm has 47 attorneys and 250 support staff throughout 9 offices in the following states:

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Debt Collection information

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How much do debt collection jobs pay per hour?

As of Aug 21, 2026, the average hourly pay for debt collection in Phoenix, AZ is $22.83, according to ZipRecruiter salary data. Most workers in this role earn between $17.88 and $28.41 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 the most commonly searched types of Debt Collection jobs in Phoenix, AZ?

The most popular types of Debt Collection jobs in Phoenix, AZ are:

What are popular job titles related to Debt Collection jobs in Phoenix, AZ?

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

What job categories do people searching Debt Collection jobs in Phoenix, AZ look for?

The top searched job categories for Debt Collection jobs in Phoenix, AZ are:

What cities near Phoenix, AZ are hiring for Debt Collection jobs?

Cities near Phoenix, AZ with the most Debt Collection job openings:

Debt Collection jobs near you
Infographic showing various Debt Collection job openings in Phoenix, AZ as of August 2026, with employment types broken down into 1% As Needed, 80% Full Time, 17% Part Time, and 2% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $47,493 per year, or $22.8 per hour.

Debt Collection Manager

Structured Settlement

Phoenix, AZ • On-site

$40K - $80K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 5 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!