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Debt Recovery Analyst Jobs (NOW HIRING)

D & A Services, LLC

Debt Collector - Houston

Houston, TX · On-site

$17 - $23/hr

... recovery rates for management review. * Quality Assurance: Review and evaluate existing debt ... Analytical Skills: Ability to analyze financial information, enabling the development of ...

D & A Services, LLC

Debt Collector - Houston

Houston, TX · On-site

$17 - $23/hr

... recovery rates for management review. * Quality Assurance: Review and evaluate existing debt ... Analytical Skills: Ability to analyze financial information, enabling the development of ...

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Debt Recovery Analyst information

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$36.5K

$97.7K

$228.5K

How much do debt recovery analyst jobs pay per year?

As of Jul 16, 2026, the average yearly pay for debt recovery analyst in the United States is $97,659.00, according to ZipRecruiter salary data. Most workers in this role earn between $55,000.00 and $111,000.00 per year, depending on experience, location, and employer.

What are some common challenges Debt Recovery Analysts face when negotiating with debtors, and how can they effectively overcome them?

Debt Recovery Analysts often encounter challenges such as unresponsive debtors, disputes over the validity of debts, and emotional or confrontational interactions. Effective analysts use strong communication and negotiation skills, maintain professionalism, and leverage empathy to encourage cooperation. Staying up to date with relevant regulations and company policies also helps them navigate disputes and ensure compliance, resulting in more successful recoveries and maintaining positive relationships with clients.

What is the difference between Debt Recovery Analyst vs Credit Analyst?

AspectDebt Recovery AnalystCredit Analyst
Required CredentialsHigh school diploma or equivalent; some roles may require finance or accounting certificationsDegree in finance, economics, or related field; certifications like CFA may be preferred
Work EnvironmentCollections agencies, banks, or financial institutionsBanks, lending companies, or financial services firms
Employer & Industry UsageFocuses on recovering overdue debtsFocuses on assessing creditworthiness of clients

While both roles operate within the financial industry, a Debt Recovery Analyst primarily focuses on recovering overdue debts, often working in collections environments. In contrast, a Credit Analyst evaluates the credit risk of potential borrowers. Both roles require financial knowledge, but their daily tasks and objectives differ significantly.

What is the 7 7 7 rule for debt collectors?

The 7-7-7 rule in debt collection refers to a guideline where debt collectors are advised to contact the debtor no more than seven times over a seven-week period, and to wait at least seven days between each contact. This rule helps ensure compliance with regulations like the Fair Debt Collection Practices Act (FDCPA) by preventing harassment and excessive contact. Debt recovery analysts should be aware of such rules to maintain ethical and legal collection practices.

What does a debt analyst do?

A debt recovery analyst evaluates overdue accounts to determine the best approach for collecting debts. They analyze financial data, communicate with debtors, and use collection tools or software to recover funds efficiently while maintaining compliance with regulations.

How to become a collections analyst?

To become a collections analyst, candidates typically need a high school diploma or equivalent, with some roles preferring an associate's or bachelor's degree in finance, accounting, or a related field. Relevant skills include strong communication, negotiation, and knowledge of debt collection laws, while experience with debt management software can be beneficial. Certifications such as the Certified Debt Specialist (CDS) can enhance prospects in this field.

What are the key skills and qualifications needed to thrive as a Debt Recovery Analyst, and why are they important?

To thrive as a Debt Recovery Analyst, you need strong analytical abilities, financial acumen, and a background in finance, accounting, or a related field. Proficiency with debt collection software, CRM systems, and knowledge of relevant regulations such as the Fair Debt Collection Practices Act (FDCPA) are typically required. Excellent negotiation, communication, and problem-solving skills help build rapport with clients and resolve outstanding debts effectively. These skills ensure efficient recovery processes, compliance with legal standards, and maintain positive client relationships.

What does a Debt Recovery Analyst do?

A Debt Recovery Analyst is responsible for managing and recovering overdue payments from individuals or businesses. They analyze accounts, communicate with debtors, and negotiate repayment plans to ensure the organization receives outstanding funds. Additionally, they may work with legal teams and use various tools or databases to track and resolve delinquent accounts. Their goal is to minimize financial losses while maintaining positive relationships with clients.

What does a recovery analyst do?

A recovery analyst is responsible for managing and recovering overdue debts by analyzing accounts, negotiating payment plans, and working with clients or debtors to resolve outstanding balances. They often use specialized software and require strong communication and negotiation skills to maximize recovery outcomes.
More about Debt Recovery Analyst jobs
What cities are hiring for Debt Recovery Analyst jobs? Cities with the most Debt Recovery Analyst job openings:
What states have the most Debt Recovery Analyst jobs? States with the most job openings for Debt Recovery Analyst jobs include:
What job categories do people searching Debt Recovery Analyst jobs look for? The top searched job categories for Debt Recovery Analyst jobs are:
Debt Recovery Analyst jobs near you
Infographic showing various Debt Recovery Analyst job openings in the United States as of July 2026, with employment types broken down into 1% Locum Tenens, 1% Internship, 86% Full Time, 6% Part Time, 1% Temporary, and 5% Contract. Highlights an 82% Physical, 5% Hybrid, and 13% Remote job distribution, with an average salary of $97,659 per year, or $47 per hour.

Debt Collector - Houston

D & A Services, LLC

Houston, TX

$17 - $23/hr

Full-time

Medical, Dental, Vision, Retirement

Re-posted 7 days ago

Job description

Houston, TX

$17 $23 Hourly

Location: Houston, TX

Schedule : No evenings or weekends

D & A Services is an experienced debt collection agency that services the largest debt purchasers as well as direct bank issuers. We were established in 2010 and we pride ourselves in delivering great service to our clients and customers.

D & A Services offers a base pay between $17.00 and $23.00 per hour, along with a benefits package that includes a 401(k) plan, BC/BS medical, dental, vision, CASUAL DRESS CODE and more! We have an uncapped bonus structure which rewards Debt Collectors for generating revenue. Top producers earn large bonus checks.

Introduction:

We are currently seeking a highly motivated and results-driven individual to join our team as a Debt Collector. As a Debt Collector, you will be responsible for managing and collecting outstanding debts from clients or customers. A successful candidate will possess excellent communication skills, strong negotiation abilities, and a focus on achieving collection goals while maintaining professional relationships with debtors.

Responsibilities:

  1. Debt Collection: Manage and collect outstanding debts making phone calls.
  2. Communication: Initiate contact with debtors to discuss their outstanding balances, negotiate suitable payment plans, and offer alternative resolutions for repayment.
  3. Compliance: Ensure compliance with all relevant laws and regulations, including the Fair Debt Collection Practices Act (FDCPA), while conducting debt collection activities.
  4. Documentation: Maintain accurate and up-to-date records of all communication and collection activities, including payment arrangements or settlements reached with debtors.
  5. Research: Conduct thorough research on debtors' financial situations, payment histories, and credit records to better understand their ability to pay and develop appropriate collection strategies.
  6. Dispute Resolution: Handle debtor inquiries or disputes in a timely and professional manner, working towards satisfactory resolution while protecting the interests of the organization.
  7. Reporting: Prepare regular reports on debt collection activities, including outstanding balances, volatility, payment trends, collection performance, and recovery rates for management review.
  8. Quality Assurance: Review and evaluate existing debt collection processes, adhering to compliance requirements to enhance overall efficiency and effectiveness.
  9. Collaboration: Collaborate with management to resolve complex debt collection cases.
  10. Customer Service: Provide exceptional customer service by responding to debtor inquiries promptly, addressing concerns, and maintaining professionalism and empathy throughout the debt collection process.

Requirements:

  1. Education: High school diploma or equivalent.
  2. Experience: Proven experience as a Debt Collector in a third party environment with a strong track record in meeting collection targets.
  3. Knowledge: Solid understanding of debt collection laws, regulations, and best practices, including the FDCPA.
  4. Communication: Excellent verbal and written communication skills, with the ability to negotiate effectively, handle difficult conversations, and maintain professionalism at all times.
  5. Organization: Strong organizational and time management skills to handle multiple accounts and prioritize collection activities efficiently.
  6. Analytical Skills: Ability to analyze financial information, enabling the development of appropriate collection strategies.
  7. Relationship Building: Demonstrated ability to build and maintain professional relationships with debtors while achieving successful debt recovery.
  8. Computer Skills: Proficiency in using debt collection software, MS Office suite, and customer relationship management (CRM) tools.
  9. Ethical Conduct: High level of integrity, discretion, and ethical standards while conducting debt collection activities.
  10. Resilience: Strong problem-solving skills, resilience, and composure when faced with challenging or confrontational situations.

Join our team as a Debt Collector and play a crucial role in recovering outstanding debts while maintaining positive customer relationships. This is an opportunity to make a significant impact on our organization's financial success. If you are a motivated individual, skilled in debt collection practices, and interested in working in a dynamic and fast paced environment, we would love to hear from you.

D & A Services is an Equal Opportunity Employer and does not discriminate based on race, color, religion, sex, sexual orientation, gender, identity, national origin, age, disability, or genetic information.

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