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Late Stage Collections Jobs (NOW HIRING)

Toyota

Late Stage Collections Analyst

San Juan, PR

Job Summary The Late-Stage Collections Analyst is responsible for managing and recovering accounts with overdue payments, often involving higher delinquency levels. This role requires strong ...

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Collections Specialist -Payment Specialist

Mesa, AZ · On-site

$25/hr

We are seeking an experienced Collections Specialist to manage late-stage collections for student accounts with outstanding balances. This is not an entry-level position; we are looking for a ...

CFS

Collections coordinator

Itasca, IL

a { text-decoration: none; color: #464feb; } tr th, tr td { border: 1px solid #e6e6e6; } tr th { background-color: #f5f5f5; } Late Stage Collections Coordinator Why This Opportunity Stands Out: • ...

CFS

Collections Administrator

Itasca, IL · On-site

Itasca, IL Why This Opportunity Stands Out: • Dedicated focus on late-stage (211+ day) high-risk ... late-stage collections (211+ day delinquent accounts) • Make 30-50 outbound calls daily to ...

Flex

Collections Risk Management Lead

Late stage collections: manage pre-charge-off intervention strategies; own the analytical framework for determining when accounts warrant accelerated action versus continued treatment; maintain ...

Flex

Collections Risk Management Lead

Concord, NC · Remote

Late stage collections: manage pre-charge-off intervention strategies; own the analytical framework for determining when accounts warrant accelerated action versus continued treatment; maintain ...

orsa credit union

avp/collections

Novi, MI · On-site

Own orsa's delinquency management strategy -- setting goals, tracking performance, and adapting approaches across early-stage, mid-stage, and late-stage collections to optimize outcomes for both ...

Baker Roofing Company

Collections Specialist

Cary, NC · On-site

$18.75 - $25.50/hr

You will take full ownership of collections for all departments, focusing on high-stakes, late-stage accounts. Your goal is not just to collect payment, but to analyze trends, mentor administrative ...

Baker Roofing Company

Collections Specialist

Cary, NC · On-site

$18.75 - $25.50/hr

You will take full ownership of collections for all departments, focusing on high-stakes, late-stage accounts. Your goal is not just to collect payment, but to analyze trends, mentor administrative ...

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How much do late stage collections jobs pay per hour?

As of Jun 9, 2026, the average hourly pay for late stage collections in the United States is $21.46, according to ZipRecruiter salary data. Most workers in this role earn between $17.79 and $24.04 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Late Stage Collections Specialist, and why are they important?

To thrive as a Late Stage Collections Specialist, you need strong negotiation skills, a solid understanding of credit and debt recovery processes, and typically a high school diploma or equivalent. Familiarity with collections software (such as FICO Debt Manager), CRM systems, and knowledge of relevant regulations like the Fair Debt Collection Practices Act (FDCPA) are essential. Excellent communication, resilience, and problem-solving abilities help build rapport with clients and manage challenging conversations. These skills and qualities are crucial for maximizing recovery rates while maintaining compliance and positive customer relationships.

What is the difference between Late Stage Collections vs Collections Specialist?

AspectLate Stage CollectionsCollections Specialist
Required CredentialsHigh school diploma, some roles may prefer experienceHigh school diploma, some roles may require certifications
Work EnvironmentOffice setting, often high-pressureOffice environment, customer interaction
Employer & Industry UsageFinancial institutions, debt recovery firmsBanks, credit companies, healthcare providers
Common Search/ComparisonLate Stage Collections vs Collections Specialist

Late Stage Collections focuses on recovering overdue accounts nearing final resolution, often involving more aggressive tactics. Collections Specialists handle a broader range of debt recovery tasks, including early and mid-stage collections. While both roles require similar credentials and work in related environments, Late Stage Collections typically involves more advanced negotiation skills and a focus on accounts close to write-off.

What are the main challenges faced in a Late Stage Collections role and how can they be effectively managed?

Late Stage Collections professionals often encounter challenges such as communicating with customers who may be unresponsive, distressed, or unwilling to cooperate. Managing these situations requires strong negotiation skills, empathy, and persistence, while adhering to legal and company guidelines. Building rapport, using clear communication, and working closely with legal or compliance teams can help resolve accounts efficiently and maintain professionalism. Staying organized and resilient is key to success in this demanding, yet rewarding, role.

What are Late Stage Collections?

Late Stage Collections refers to the process of recovering debts that are significantly overdue, typically after initial collection efforts have failed. Professionals in this field contact individuals or businesses with long-outstanding balances, often using advanced negotiation and communication strategies to secure payment. They may work with accounts that are several months or even years past due and sometimes coordinate with legal teams or external agencies. The role requires a strong understanding of collection laws, persistence, and excellent customer service skills.
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Late Stage Collections jobs near you
Infographic showing various Late Stage Collections job openings in the United States as of May 2026, with employment types broken down into 100% Full Time. Highlights an 67% In-person, and 33% Hybrid job distribution, with an average salary of $44,646 per year, or $21.5 per hour.
Late Stage Collections Analyst

Late Stage Collections Analyst

Toyota Motor Sales, U.S.A., Inc.

San Juan, PR • On-site

Full-time

Posted 22 days ago

Toyota rating

7.3

Company rating: 7.3 out of 10

Based on 852 frontline employees who took The Breakroom Quiz

22nd of 44 rated automakers

Job description

Overview
Who we are
Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world's most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We're looking for talented team members who want to Dream. Do. Grow. with us.
Job Summary
The Late-Stage Collections Analyst is responsible for managing and recovering accounts with overdue payments, often involving higher delinquency levels. This role requires strong negotiation skills, persistence, and the ability to balance firmness and customer relations in order to maximize debt recovery.
The role involves analyzing and reviewing potential Skip charge-off accounts, monitoring account statuses, creating detailed reports, conducting thorough analyses, and working hand-in-hand with the supervisor in order to develop and implement effective collection strategies and initiatives. The analyst monitors the performance of various vendors, such as repossession agencies and outbound collections teams, ensuring they meet the required SLAs and contribute to the debt recovery process.
Primary Job Accountabilities
Late-Stage Accounts Monitoring:
  • Monitor High-Risk Accounts: Oversee >60 dpd, high risk and any potential skip account, ensuring timely intervention and management.
  • Trend Analysis: Identify trends in delinquency and develop recovery initiatives.
  • Compliance & Repo Referrals: Assist supervisor in approving repossession referrals, ensuring compliance with guidelines.
  • Targeted Delinquency Strategies: Develop targeted initiatives for late-stage delinquent accounts to reduce delinquency ratios.
  • Management Presentations & Analysis: Prepare and assist with presentations and ad hoc analyses related to collections efforts and results.
  • Team Leadership: Assist supervisor with the team of collectors in order to achieve assigned KPIs.
  • Bad Debt Minimization: Develop initiatives to minimize bad debts and enhance collection processes.
  • Reporting: Provide regular reports on collection activities to management.
  • Bankruptcy: Monitor bankruptcy accounts and always ensure compliance.

Collections Compliance
  • Compliance Assurance: Ensure adherence to statutes of limitation laws and FDCPA regulations.
  • Policy & Procedure Management: Implement and follow proper policies, procedures, risk mitigation activities, and operating controls.
  • Account Monitoring: Closely monitor accounts related to potential bankruptcy, legal issues, military status, and SCRA compliance.
  • Lien Compliance: Oversee accounts with missing liens to ensure compliance.
  • Vendor Performance Monitoring: Track vendor productivity against agreed KPIs and targets and monitor their performance.
  • KPI Reporting: Develop and prepare KPI reports as requested.

Project Management Support:
  • Kaizen Projects: Participate in Kaizen projects to drive continuous improvement.
  • Project Team Collaboration: Contribute to project teams by delivering tasks as needed.

Education
Required:
  • Four-Year College Degree (BA or BS): Business Administration, Accounting, Finance, or related field

Experience - Subject Matter Expertise
Required
  • 2-5 years of relevant/progressive work experience in similar field or industry

Preferred
  • 5-10 years of relevant/progressive work experience in similar field or industry

Licenses, Certifications & Specialized Skills
Required:
  • Working knowledge of MS Office (Word, Outlook, PowerPoint, etc.).
  • Intermediate knowledge of MS Excel to develop financial reporting, spreadsheets, and database experience.
  • Basic accounting knowledge.
  • Advanced problem-solving, negotiation, and communications skills.
  • Strong verbal and written English and Spanish skills.
  • Advanced organization, attention to detail, action-oriented skills.
  • Know when to escalate issues and be able to clearly explain situations and provide recommendations to Collections Supervisor in a timely fashion.
  • Experience in handling bankruptcy accounts and procedures.

Preferred
  • Ability to understand, integrate and implement workflow and analytical solutions and directives as they become available.

Additional Comments, Including Unique Circumstances
  • Work schedule: Monday-Friday from 8:00 am to 5:00 pm. In some instances, working overtime and during holidays may be required.

Belonging at Toyota
Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star. Toyota is proud to have 10+ different Business Partnering Groups across 100 different North American chapter locations that support team members' efforts to dream, do and grow without questioning that they belong.
Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.
Have a question, need assistance with your application or do you require any special accommodations? Please send an email to tcpr_human_resources@toyota.com.

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