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Late Stage Collections Jobs (NOW HIRING)

Collabera

Collections

Greensboro, NC

$19/hr

The primary responsibilities for this position include resolving late stage delinquencies on home loans through both inbound and outbound collections calls. Collectors work with customers to help ...

Collabera

Collections

Kennesaw, GA

$15/hr

The primary responsibilities for this position include resolving late stage delinquencies on home loans through both inbound and outbound collections calls. Collectors work with customers to help ...

Brex

Director, Collections

Seattle, WA · Hybrid

$198K - $248K/yr

Servicing & Collections at Brex Servicing & Collections plays a critical role in protecting both ... Own the performance metrics for early and late-stage delinquencies, roll rates, and net charge-offs ...

Brex

Director, Collections

New York, NY · Hybrid

$198K - $248K/yr

Servicing & Collections at Brex Servicing & Collections plays a critical role in protecting both ... Own the performance metrics for early and late-stage delinquencies, roll rates, and net charge-offs ...

Brex

Director, Collections

Salt Lake City, UT · Hybrid

$176K - $220K/yr

Servicing & Collections at Brex Servicing & Collections plays a critical role in protecting both ... Own the performance metrics for early and late-stage delinquencies, roll rates, and net charge-offs ...

Collabera

Collections

Greensboro, NC

$19/hr

The primary responsibilities for this position include resolving late stage delinquencies on home loans through both inbound and outbound collections calls. Collectors work with customers to help ...

Brex

Director, Collections

San Francisco, CA · Hybrid

$198K - $248K/yr

Servicing & Collections at Brex Servicing & Collections plays a critical role in protecting both ... Own the performance metrics for early and late-stage delinquencies, roll rates, and net charge-offs ...

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Late Stage Collections information

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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.
More about Late Stage Collections jobs
What cities are hiring for Late Stage Collections jobs? Cities with the most Late Stage Collections job openings:
What states have the most Late Stage Collections jobs? States with the most job openings for Late Stage Collections jobs include:
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Late Stage Collections jobs near you
Infographic showing various Late Stage Collections job openings in the United States as of June 2026, with employment types broken down into 93% Full Time, 5% Part Time, 1% Contract, and 1% Nights. Highlights an 93% Physical, 3% Hybrid, and 4% Remote job distribution, with an average salary of $44,646 per year, or $21.5 per hour.

90-Day Collections Representative

Westlake Portfolio Services

Dallas, TX • On-site

$20/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 11 days ago

Job description

WESTLAKE WARRIOR | Late Stage Collections
Dallas, TX | On-site
Why Westlake?
  • Base Pay:
    • $20.00 per hour plus bonus potential of up to $5,800 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 90-Day Collector, you'll manage accounts that are over three payments past due and play a key role in reducing delinquency for Westlake Financial. This position requires persistence, attention to detail, and strong skip-tracing and negotiation skills to help customers bring their accounts current and locate collateral when necessary.
  • Contact customers with accounts more than 90 days past due to discuss payment options and resolve delinquencies.
  • Use skip-tracing techniques to locate customers who are difficult to reach and identify collateral locations.
  • Negotiate payment solutions tailored to each customer's situation to help bring accounts current.
  • Achieve monthly goals while maintaining quality, compliance, and professionalism.
  • Collaborate with repossession agents to recover collateral when required.
  • Reduce delinquency rates in your assigned queue through consistent follow-up and strategic communication.
  • Handle a high volume of calls efficiently in a fast-paced, goal-oriented environment.
What We're Looking For:
  • Strong skip-tracing knowledge and ability to locate customers or collateral effectively.
  • Excellent communication and negotiation skills with professional phone etiquette.
  • Flexible schedule - able to work overtime and weekends when needed.
  • Proven ability to multitask and stay organized in a fast-paced, high-volume environment.
  • Thorough understanding of state and federal collection laws, including the Fair Debt Collection Practices Act (FDCPA).
  • Proficient computer and typing skills with familiarity in Microsoft Excel, Outlook, and web-based applications.
  • Team-oriented mindset with a positive, dependable attitude.
  • 3+ years of backend subprime collections experience required.
  • Auto collections experience required.
  • High school diploma or equivalent required.

FULL TIME BENEFITS
  • Medical, Dental, and Vision benefits
  • Life Insurance, Flexible Spending Account
  • 401K matching
  • Employee Stock Ownership Program in a $14.2 Billion Company, plus company matching
  • Wellness Program, Daily Team Exercises
  • Westlake University, Certification Programs
  • Career Path Opportunities
  • Discounts on Parks, Museums, Movie Tickets, and Attractions
  • AT&T Wireless Discounts
  • Employee Loan Assistance
  • Annual Flu Shots, Biometric Screenings
  • Paid Vacations Days
  • Paid Sick Days
  • Paid Holidays
  • 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.
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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