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Late Stage Collections Jobs in Forney, TX (NOW HIRING)

Hyundai Capital

Loss Mitigation Associate

Plano, TX · On-site

$39K - $58K/yr

Working knowledge of late-stage collections, customer account servicing, delinquency management, or loss mitigation practices. * Ability to effectively use skip tracing tools, account servicing ...

Hyundai Capital America

Loss Mitigation Associate

Plano, TX · On-site

$16.75 - $23/hr

Working knowledge of late-stage collections, customer account servicing, delinquency management, or loss mitigation practices. * Ability to effectively use skip tracing tools, account servicing ...

All JobsLate Stage Collections JobsLate Stage Collections Jobs in Forney, TX

Late Stage Collections information

See Forney, TX salary details

$11

$19

$27

How much do late stage collections jobs pay per hour?

As of Sep 3, 2026, the average hourly pay for late stage collections in Forney, TX is $19.34, according to ZipRecruiter salary data. Most workers in this role earn between $16.01 and $21.63 per hour, depending on experience, location, and employer.

What is 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.

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 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 popular job titles related to Late Stage Collections jobs in Forney, TX?

For Late Stage Collections jobs in Forney, TX, the most frequently searched job titles are:

What job categories do people searching Late Stage Collections jobs in Forney, TX look for?

The top searched job categories for Late Stage Collections jobs in Forney, TX are:

What cities near Forney, TX are hiring for Late Stage Collections jobs?

Cities near Forney, TX with the most Late Stage Collections job openings:

Late Stage Collections jobs near you

Loss Mitigation Associate

Hyundai Capital

Plano, TX • On-site

$39K - $58K/yr

Full-time

Medical, Dental, Vision, Life, Retirement

Re-posted 2 days ago

Job description

Description
Description - Internal
Hyundai Capital America (HCA) helps people move forward. Through Hyundai Motor Finance, Genesis Finance, and Kia Finance, we deliver innovative financing, leasing, and insurance solutions to more than 3 million customers and businesses nationwide.
We're a company driven by growth, innovation, and people. At HCA, you'll find opportunities to build new skills, expand your career, and make a real impact-while working in a diverse, inclusive, and values-driven environment. We're proud to support our communities through volunteerism, philanthropy, and engaged Employee Resource Groups.
If you're looking for a fast-paced, collaborative workplace where your ideas matter, join us as we lead the future of financing freedom of movement. Apply today.
WHAT YOU WILL DO
The Loss Mitigation Associate is responsible for managing and resolving an assigned portfolio of delinquent accounts from 80 days past due through charge-off. This role performs account research, customer contact activities, skip tracing to locate customers and obtain updated contact information, and repayment negotiations to mitigate losses and support account resolution outcomes within established policies, procedures, and approval guidelines. This role ensures compliance with internal policies, regulatory requirements, and documentation standards while contributing to departmental performance objectives.
HOW YOU WILL MAKE AN IMPACT
1. Portfolio Management, Account Research & Resolution
  • Manage an assigned portfolio of delinquent accounts ranging from 80 days past due to charge-off, applying established collection practices to support payment resolution, cure delinquencies, and minimize charge-offs while adhering to queue management standards.
  • Review account histories, payment behavior, customer circumstances, and relevant account information to assess risk and identify appropriate next steps within established resolution guidelines.
  • Monitor account status and progression through the collection lifecycle, ensuring timely follow-up and adherence to established queue management standards.
  • Apply approved account resolution options and take appropriate actions within defined policies, procedures, and approval limits to support recovery outcomes and minimize losses.
  • Collaborate with internal business partners and escalate complex or exception-based account issues as needed to facilitate timely and effective account resolution.

2. Inbound / Outbound Collections & Negotiations
  • Conduct inbound and outbound collection activities, including negotiating payment arrangements, deferrals, and other approved loss mitigation solutions within established guidelines while balancing customer circumstances and company objectives.
  • Perform skip tracing using approved tools, internal systems, and available resources to locate customers, verify and update contact information, document findings, and support effective collection outreach.

3. Documentation, Compliance & Account Administration
  • Document all activity accurately and thoroughly within servicing systems to ensure compliance and support future collection efforts.
  • Review account records for accuracy and completeness while performing required account maintenance and administrative activities.
  • Ensure all collection activities are conducted in compliance with company policies, departmental procedures, and applicable federal, state, and regulatory requirements.
    Protect confidential customer information and maintain adherence to privacy, security, and data governance standards.
  • Participate in required training and continuously apply established procedures, controls, and best practices to support operational effectiveness and performance

Qualifications
Description - Internal
WHAT YOU WILL BRING TO THE ROLE
  • Minimum 2-4 years of experience in late-stage collections, loss mitigation, delinquency management, or account recovery activities.
  • Experience performing skip tracing activities, including using skip tracing tools or related research methods to locate customers and obtain updated contact information.
  • Automotive finance, consumer lending, banking, or financial service industry experience preferred.
  • High school diploma or GED
  • Working knowledge of late-stage collections, customer account servicing, delinquency management, or loss mitigation practices.
  • Ability to effectively use skip tracing tools, account servicing systems, and available research methods to locate customers, validate contact information, and support account resolution activities.
  • Strong account research, analytical, and problem-solving skills with the ability to evaluate account history, payment patterns, customer circumstances, and risk factors to identify appropriate next steps within established guidelines.
  • Effective communication and negotiation skills with the ability to secure customer commitments, address objections, and navigate difficult conversations professionally and empathetically.
  • Ability to prioritize a high-volume workload, manage multiple accounts, and meet performance expectations in a metric-driven environment.
  • Proficiency with Microsoft Office applications to support documentation, tracking, and reporting activities.
  • Ability to interpret and apply company policies, departmental procedures, and applicable regulatory requirements.
  • Proven track record with delivering seamless customer experiences.
  • Ability to thrive in a performance coaching environment.

WE TAKE CARE OF OUR PEOPLE
At HCA, our people drive our success. That's why we offer a competitive rewards package that supports your health, financial future, and overall wellbeing-at work and beyond.
Benefits Highlights
  • Vehicle perks - monthly vehicle allowance plus purchase and lease discounts
  • Comprehensive health coverage - medical, dental, and vision plans
  • Employer-funded HSA contributions to help reduce healthcare costs
  • 401(k) with company match and immediate vesting from day one
  • 100% company-paid life and disability insurance
  • Wellbeing benefits including fitness and health resources
  • Leadership programs and career development that support continuous learning
  • Paid Volunteer Time Off and a company charitable donation in your honor

Because great benefits help you thrive-personally and professionally.
WHAT HAPPENS NEXT
Express your interest by submitting an application. Once your application is received, our recruiting team will review your application to see if you meet the basic and preferred qualifications listed on the job description. For more information on our culture, visit our careers page.
OTHER DETAILS
Our Company is an equal opportunity employer committed to fostering a diverse, inclusive, and respectful workplace-because we believe diversity builds stronger teams. We comply with all applicable federal, state, and local equal employment opportunity laws and do not discriminate on the basis of race, religion or creed, color, national origin, ancestry, caste, citizenship, sex or gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, disability, medical condition, genetic information, marital status, family care or medical leave status, military or veteran status, political affiliation, or any other characteristic protected by law. Information provided during the application process is requested in good faith and will be used solely in accordance with applicable employment laws.
California Privacy Notice
This notice only applies to our applicants who reside in the State of California.
The latest version of our Privacy Policy can be found here . This Privacy Policy provides you with notice, at or before the point of collection, about the categories of personal information to be collected from you, the purposes for which your personal information is collected or used, and whether that information is sold or shared, so that you can exercise meaningful control over our use of your personal information. We are providing this notice to comply with the California Consumer Privacy Act of 2018, as amended as by the California Privacy Rights Act of 2020 ("CCPA").
If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at Privacy2@hcs.com .

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