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Debt Collection Jobs in Rochester, NY (NOW HIRING)

Bounce AI

Commercial Resolution Expert

Rochester, NY · On-site

$22 - $26/hr

Empower business debtors with a seamless, professional collections experience to maximize ... collection regulations. * Escalate accounts appropriately for legal placement, dispute review, or ...

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All JobsDebt Collection JobsDebt Collection Jobs in Rochester, NY

Debt Collection information

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$7

$22

$35

How much do debt collection jobs pay per hour?

As of Jul 22, 2026, the average hourly pay for debt collection in Rochester, NY is $22.70, 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 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 prefer prior experience in collections or customer service. Licensing or registration may be required depending on state regulations.

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.

How much money do debt collectors make?

Debt collectors typically earn an average annual salary ranging from $30,000 to $50,000, depending on experience, location, and whether they work for a company or independently. Many positions include commission or bonuses based on recovery rates, and strong communication skills are essential for success in this role.

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.

How much do debt collectors earn?

Debt collectors typically earn an average annual salary ranging from $30,000 to $50,000, depending on experience, location, and employer. Many positions include commission or bonuses based on recovery performance, and strong communication skills are essential for success in this role.

What jobs pay 4000 a week without a degree?

In debt collection, high earnings of $4,000 or more per week are uncommon without experience or specialized skills. Most roles in this field pay hourly or commission-based, with top collectors earning higher incomes through performance, but reaching $4,000 weekly typically requires advanced skills, certifications, or managerial positions. Alternative high-paying jobs without a degree include sales, real estate, or certain trades, but they also depend on experience and performance.
What are popular job titles related to Debt Collection jobs in Rochester, NY? For Debt Collection jobs in Rochester, NY, the most frequently searched job titles are:
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What cities near Rochester, NY are hiring for Debt Collection jobs? Cities near Rochester, NY with the most Debt Collection job openings:
Debt Collection jobs near you
Infographic showing various Debt Collection job openings in Rochester, NY as of July 2026, with employment types broken down into 1% As Needed, 79% Full Time, 16% Part Time, 1% Temporary, and 3% Contract. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $47,215 per year, or $22.7 per hour.
Senior Resolution Expert- Collection Specialist

Senior Resolution Expert- Collection Specialist

Bounce AI

Rochester, NY • On-site

$23 - $26/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 8 days ago

Job description

Bounce AI is a fintech startup transforming how people pay off debt, leveraging machine learning, automation, and deep personalization tailored to borrowers’ financial situations.

For creditors, we:

  • Transform how they transact, allowing creditors the ability to control liquidity and risk.
  • Empower consumers with a seamless & flexible digital first collections platform to maximize recoveries and enhance the experience.
  • Utilize a highly optimized funnel, from the first message to payment plans; our platform evolves based on real-life interactions and continuously incoming data feeds.
  • Reduce legal and operational risk with automated compliance designed by experts enforced by code.
  • Unlock customer insights by exploring new data sources.

For borrowers we:

  • They are set up for convenience and can manage their plan whenever, wherever, with representatives always available via live chat or phone to assist.
  • Provide a safe, secure, and compliant service with one goal: to help them move forward.
  • Offer flexible repayment plans or the ability to customize one of their own, giving them the option to pay now, later, or in small amounts over time.



About Us:

We are looking for a Senior Call Center Representative, which we refer to as a “Resolution Expert”, who can motivate and guide consumers through the collections process while providing exceptional customer service. The successful candidate will be able to accept ownership for effectively solving consumers’ issues, complaints, and inquiries, keeping customer satisfaction at the core of every decision and behavior.


How You’ll Spend Your Time:
  • Manage inbound and outbound communication from consumers and their representatives via phone, email, and chat.
  • Supports Collection Managers and Resolution Experts by taking call escalations
  • Assists with training and skills coaching for new RE’s
  • Attends a weekly check-in with their Manager on team performance and training plans
  • Follow communication “scripts” for specialized scenario handling
  • Communicate with consumers to establish repayment plans and resolve questions or concerns
  • Attend educational seminars to improve knowledge and skills
  • Meet key performance indicators as outlined by management
  • Adhere to expected quality and compliance standards



What We Offer:

A great Senior Resolution Expert at Bounce has mastered the fundamentals of the role and grown beyond them. They set the tone on the floor, step in on difficult calls or talk-offs when a Manager is unavailable, and coach newer Resolution Experts to help them catch issues early. They escalate problems quickly, but come prepared with solutions, and understand what information requires discretion.

The best Senior REs see the role as a stepping stone toward management, not a final destination — and their performance reflects it: top-tier collections results, strong verification and conversion rates, and near-perfect attendance.

Current Available Full Time Shifts:

Monday- Thursday 8:30am-9:00pm, Friday 8:30am-5:00pm

Training and Nesting phase (first 30-60 days) is 8:30-5:00pm Monday-Friday

Flexible scheduling after first 30-60 days

Paid Training Program:

2-week, full-time training program

Office Location:

This is an in-office role

Pay:

$23.00- $26.00 per hour, with the potential for higher pay based on experience, skill set, and Spanish fluency - A significant advantage.

Benefits:

  • Full medical, dental, and vision
  • 401k with contribution matching up to 5%
  • 12 days of accrued PTO
  • 11 paid holidays
  • Competitive Bonus potential

Bounce is an equal-opportunity employer that is dedicated to diversity and inclusion. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.


Address:
333 Metro Park, Rochester
Requirements:
  • Previous experience in collections, customer service, and/or sales
  • Strong verbal and written communication skills
  • High attention to detail and critical thinking
  • Problem-solving, negotiation, and conflict-resolution skills
  • Customer-focused and adaptable to different personality types
  • Ability to multi-task, set priorities and manage time effectively
  • Ability to work in a fast-paced and changing environment