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How much do debt collector agent jobs pay per hour?

As of Sep 9, 2026, the average hourly pay for debt collector agent in the United States is $18.39, according to ZipRecruiter salary data. Most workers in this role earn between $15.38 and $19.95 per hour, depending on experience, location, and employer.

What is the difference between Debt Collector Agent vs Credit Analyst?

AspectDebt Collector AgentCredit Analyst
Required CredentialsHigh school diploma; sometimes certifications in collectionsBachelor's degree in finance, accounting, or related field
Work EnvironmentCollections agencies, banks, or debt collection firmsBanks, financial institutions, or credit bureaus
Employer & Industry UsagePrimarily in debt recovery and collectionsIn credit risk assessment and lending decisions
Common Search & Comparison IntentUnderstanding roles in debt collectionEvaluating creditworthiness and financial analysis

While both roles involve financial interactions, a Debt Collector Agent focuses on recovering unpaid debts, often working in collections agencies or banks. A Credit Analyst assesses credit risk to help lenders make informed decisions. The roles differ in credentials, work environment, and industry focus, but both are essential in financial services.

How to become a debt collector agent?

To become a debt collector agent, candidates typically need a high school diploma or equivalent and must pass a background check. Many employers require knowledge of debt collection laws and may prefer prior experience or training in customer service or collections; some regions also require licensing or certification. Strong communication skills and the ability to handle difficult conversations are essential for success in this role.

What qualifications do I need to be a debt collector agent?

To become a debt collector agent, candidates typically need a high school diploma or equivalent. Strong communication, negotiation skills, and knowledge of relevant laws and regulations are important; some employers may require training or certification in debt collection practices.

What cities are hiring for Debt Collector Agent jobs?

Cities with the most Debt Collector Agent job openings:

What states have the most Debt Collector Agent jobs?

States with the most job openings for Debt Collector Agent jobs include:

What are popular job titles related to Debt Collector Agent jobs?

For Debt Collector Agent jobs, the most frequently searched job titles are:

Debt Collector Agent jobs near you
Infographic showing various Debt Collector Agent job openings in the United States as of August 2026, with employment types broken down into 95% Full Time, 3% Part Time, and 2% Contract. Highlights an 83% Physical, 1% Hybrid, and 16% Remote job distribution, with an average salary of $38,249 per year, or $18.4 per hour.

30-Day Collections Representative

Las Vegas, NV • On-site

Westlake Financial
Finance and Insurance • 1 - 5K employees
Learn more about Westlake Financialexternal

$17/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 9 days ago

Job description

WESTLAKE WARRIOR | Early to Mid Stage Collections
Las Vegas, NV| On-site
Why Westlake?
  • Base Pay:
    • $17.00 per hour plus bonus potential of up to $3,000 monthly based on individual and team performance.
  • Tiered Retention Bonus:
    • Receive $500 upon completion of 3 months from the start date.
    • An additional $500 upon completion of 6 months from the start date.
  • *Incentive:
    • If the department exceeds its goal, eligible agents in the bonus range will receive a "kicker" ranging from $100.00 to $750.00, based on goal achievement.
    • * All agent incentive opportunities may vary monthly, and are not guaranteed, and are subject to change.
What You'll Do:
As a Collections Representative, you'll play an important role in helping customers get back on track with their accounts while supporting Westlake Financial's success. You'll use technology, communication, and problem-solving skills to assist customers who are 31+ days past due and help prevent loan losses through smart, compassionate collection efforts.
  • Handle inbound and outbound calls - providing friendly, professional support and following company policies and procedures.
  • Reach out to customers to set up payments or create plans to resolve past-due accounts.
  • Negotiate fair payment solutions while meeting performance and productivity goals.
  • Keep detailed and accurate notes on all customer interactions and account actions.
  • Listen actively and communicate clearly with customers, teammates, and management to resolve concerns and ensure a positive experience.
  • Use skip-tracing tools to locate customers or collateral when needed.
  • Review accounts for repossession when necessary, following company guidelines and mitigating factors.
  • Work toward department goals by helping reduce delinquency rates and maintaining quality and compliance standards.
  • Manage a high volume of calls in a fast-paced, supportive team environment.
  • Protect confidential information related to customers, accounts, and company operations.
What We're Looking For:
  • Strong communication and negotiation skills with a professional phone presence.
  • Flexible schedule - open to working overtime and weekends when needed.
  • Able to multitask and stay organized in a fast-paced environment.
  • Understanding of collection laws, including the Fair Debt Collection Practices Act (FDCPA).
  • Proficient with computers - comfortable with data entry, web-based applications, and Microsoft Excel & Outlook.
  • Excellent telephone etiquette and ability to connect with customers respectfully.
  • Team player with a positive attitude and dependable work ethic.
  • At least one year of consumer collections experience in a high call-volume, auto-dialer environment.
  • Knowledge of collections and repossession processes - auto collection experience preferred.
  • High school diploma or equivalent required.

FULL-TIME BENEFITS
  • Medical, Dental, and Vision benefits
  • Life Insurance and Long-term disability plans
  • Flexible Spending Account
  • 401K matching
  • Employee Stock Ownership Program in a $18.2 Billion Company, plus company matching
  • Wellness Programs
  • Metro Tap Card and Metro-link Reimbursement (for Los Angeles, CA employees only)
  • Career Path Opportunities
  • Discounts on Parks, Museums, Movie Tickets, and Attractions
  • Annual Flu Shot
  • Paid Vacations Days
  • Paid Sick days
  • Paid holidays
  • HGym (available in our Los Angeles, CA & Dallas,TX office)
  • Rental Car Discounts, Dell Member Purchase Program
  • UKG Wallet

ABOUT US
Westlake Financial is the largest privately held auto finance company in the United States with demonstrated growth year over year. We continue to expand our teams and diversify our business model. This leads to cementing us as a leader in the automotive lending industry.
Westlake continues to grow its market share within the Auto Industry with assets in excess of 22B. We have business relationships in all 50 states, including Puerto Rico. We are looking to acquire talented individuals as we expand our market share. Westlake Financial believes in PEOPLE with the PURPOSE and PASSION to assist our more than 22,000 dealer partners throughout North America.
ACKNOWLEDGMENTS
We will consider for employment all qualified Applicants, including those with Criminal Histories, in a manner consistent with the requirements of applicable state and local laws, including the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance.We are an equal opportunity employer and do not unlawfully discriminate in employment. No question on this application is used for the purpose of limiting or excluding any applicant from consideration for employment on a basis prohibited by local, state, or federal law. Equal access to employment, services, and programs is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the organization.
#Collections #Collector #DebtCollection #DebtCollector #Debt
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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