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Entry Level Debt Recovery Specialist Jobs (NOW HIRING)

RSI ENTERPRISES INC

Bad Debt Collector

Glendale, AZ · Remote

$17/hr

As a Recovery Specialist, you're involved with dialing out and taking calls, all in the mission to ... You'll flex your skills in skip tracing to track down those debtors and make sure you're on top of ...

RSI

Recovery Specialist

Sterling, VA · On-site

The Recovery Specialist will also need to skip trace for the correct location of debtors and properly follow up on all correspondence. There are occasions the Recovery Specialist will also have to ...

RSI

Bad Debt Collector

Glendale, AZ · On-site

$17/hr

As a Recovery Specialist, you're involved with dialing out and taking calls, all in the mission to ... You'll flex your skills in skip tracing to track down those debtors and make sure you're on top of ...

RSI ENTERPRISES INC

Recovery Specialist

Sterling, VA · On-site

The Recovery Specialist will also need to skip trace for the correct location of debtors and properly follow up on all correspondence. There are occasions the Recovery Specialist will also have to ...

BECU

Recovery Specialist

Spokane, WA · Remote

$28.99 - $35.34/hr

Work directly with debtors, attorneys, and third parties to negotiate settlements on charged-off ... As a Recovery Specialist, you'll bring your knowledge, relationship-building skills, and commitment ...

RSI

Recovery Specialist-Healthcare

Glendale, AZ · Remote

$17/hr

Recovery Specialist Flexible hours & work from home remote option Starting salary: $17 and up ... You engage in outbound and inbound calls, employing skip tracing techniques to locate debtors while ...

RSI

Recovery Specialist-Healthcare

Glendale, AZ · Remote

$17/hr

Recovery Specialist Flexible hours & work from home remote option Starting salary: $17 and up ... You engage in outbound and inbound calls, employing skip tracing techniques to locate debtors while ...

BECU

Recovery Specialist

Tukwila, WA · Remote

$28.99 - $35.34/hr

Work directly with debtors, attorneys, and third parties to negotiate settlements on charged-off ... As a Recovery Specialist, you'll bring your knowledge, relationship-building skills, and commitment ...

Snap-on

Recovery Specialist

Libertyville, IL · On-site

$44K - $48K/yr

Position Summary Recovery Specialists are responsible for notifying customers of their defaulted ... Responsibilities Responsible for collecting on bad debt accounts Achieve monthly goals Make ...

Snap-on

Recovery Specialist

Libertyville, IL · On-site

$44K - $48K/yr

Position Summary Recovery Specialists are responsible for notifying customers of their defaulted ... Responsibilities Responsible for collecting on bad debt accounts Achieve monthly goals Make ...

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All JobsFinance and Insurance JobsCollection JobsCollections Specialist JobsEntry Level Debt Recovery Specialist Jobs

Entry Level Debt Recovery Specialist information

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$13

$26

$52

How much do entry level debt recovery specialist jobs pay per hour?

As of Sep 2, 2026, the average hourly pay for entry level debt recovery specialist in the United States is $26.29, according to ZipRecruiter salary data. Most workers in this role earn between $16.59 and $34.38 per hour, depending on experience, location, and employer.

What is the difference between Entry Level Debt Recovery Specialist vs Collections Associate?

AspectEntry Level Debt Recovery SpecialistCollections Associate
Required CredentialsHigh school diploma, basic financial knowledgeHigh school diploma, customer service skills
Work EnvironmentCall centers, offices, remote optionsCall centers, offices, remote options
Employer & IndustryFinancial institutions, debt recovery agenciesBanks, credit card companies, collection agencies

Both roles involve contacting debtors to recover outstanding payments, often requiring similar skills and environments. The main difference lies in terminology and specific job focus, with 'Debt Recovery Specialist' emphasizing recovery processes and 'Collections Associate' often focusing on customer interactions and account management.

More about Entry Level Debt Recovery Specialist jobs

What are the most commonly searched types of Debt Recovery Specialist jobs?

The most popular types of Debt Recovery Specialist jobs are:

What job categories do people searching Entry Level Debt Recovery Specialist jobs look for?

The top searched job categories for Entry Level Debt Recovery Specialist jobs are:

Entry Level Debt Recovery Specialist jobs near you
Infographic showing various Entry Level Debt Recovery Specialist job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 83% Full Time, 14% Part Time, and 2% Contract. Highlights an 85% Physical, 2% Hybrid, and 13% Remote job distribution, with an average salary of $54,689 per year, or $26.3 per hour.

Asset Recovery Specialist

VyStar Credit Union

Jacksonville, FL • On-site

Full-time

Retirement

Posted 5 days ago

VyStar Credit Union rating

7.5

Company rating: 7.5 out of 10

Based on 13 frontline employees who took The Breakroom Quiz

Job description

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.
We encourage you to become a part of VyStar Credit Union's family of employees.
Asset Recovery Specialist
Accountability Statement
The Asset Recovery Specialist is responsible for all member interactions and activities pertaining to post-charge-off collection efforts on loan, credit cards and negative share accounts. The Asset Recovery Specialist ensures adherence to collections policies and procedures and to state and federal laws and regulations pertaining to Consumer, Commercial & Mortgage product lines. Therefore, the incumbent will need a working knowledge of the following regulations and agencies, Equal Credit Opportunity Act (ECOA), Truth in Lending Act, Real Estate Settlement Procedures Act (RESPA), Telephone Consumer Protection Act (TCPA), Servicemembers Civil Relief Act (SCRA), Fair Credit Reporting Act (FCRA), Fair Debt Collections Practice Act (FDCPA), UDAAP and Bankruptcy Legislations.
The incumbent is responsible for managing and collecting outstanding debts from individuals and businesses. This role involves communicating with debtors, negotiating payment plans, and ensuring compliance with relevant laws and regulations. The ideal candidate will have strong negotiation skills and a thorough understanding of debt recovery processes. The Asset Recovery Specialist plays a crucial role in maintaining the financial health of VyStar Credit Union.
Essential Job Functions
  • Asset Recovery Specialist attempts to locate individuals or businesses with outstanding charge-off debt through phone calls, emails, or written correspondence to determine payment status and options concerning repayment of the losses caused by the member.
  • Negotiates repayment terms with debtors, which may include setting up payment plans, settlement or deadlines to facilitate the recovery of charge-off debt.
  • Negotiates settlements for less than full balance in conjunction with VyStar's policies and procedures. Ensure proper tracking and system updates while maintaining an understanding of 1099c (Cancellation of Debt) tax regulations.
  • Responsible for keeping accurate and up-to-date records of all communications and transactions with debtors, ensuring compliance with legal requirements and company policies.
  • Handles customer inquiries, questions, or complaints regarding debts, aiming to resolve issues amicably while maintaining professionalism and trustworthiness.
  • Analyzes financial records to determine the best approach for debt recovery while ensuring compliance with relevant laws and regulations.
  • Locates assets through account work and skip tracing efforts to in support of legal action for bank/wage garnishment, asset levy or title cloud on real property.
  • Evaluates charge-off cases for legal action where debtors are unwilling pay, Asset Recovery Specialist may coordinate with legal departments or attorneys to initiate legal actions for debt recovery.
  • Works in conjunction with the Asset Recovery & Liquidation Specialist to investigate and locate delinquent customers, businesses, and missing collateral through online research, public records, and other investigative methods to increase repossession efforts.
  • Maintain a strong understanding of credit management, financial hardship assessment, and have advanced skills in managing challenging consumer circumstances.
  • Stay informed about industry trends and regulations related to debt recovery through the FDCPA and CFPB.
  • Identify gaps in the debt recovery process and recommend solutions to leadership to improve efficiency and effectiveness in collecting debts.
  • All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.

JOB KNOWLEDGE, SKILLS & ABILITIES
  • A minimum of one year experience in a position of collections, loss mitigation, lending, or financial interviewing, or credit investigation, or credit decision making, or direct member/customer service contact.
  • Strong analytical and problem-solving skills.
  • Knowledge of collection software is preferred.
  • Financial institution experience is preferred.
  • Strong organized skills and attention to detail.

EDUCATION REQUIRED
The minimum formal education required is completion of high school.
DISCLAIMERS AND WORK ENVIRONMENT
Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.
The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.
VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.
No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.
Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.
Thank you again for your interest in this position!
VyStar Credit Union Human Resources

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