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Late Stage Collections Jobs (NOW HIRING)

CFS

Collections Specialist

Itasca, IL · On-site

$18 - $24.25/hr

Why This Opportunity Stands Out: • Work on high-impact, late-stage commercial accounts (200+ days ... collections • Exposure to legal escalation and repossession processes • Fast-paced, results ...

CFS

Collections Specialist

Itasca, IL

$18 - $24.25/hr

Collections Specialist About the Opportunity Our client is looking for a Collections Specialist to join a fast-paced team handling late-stage commercial accounts . This role focuses on resolving ...

CFS

Collections Specialist

Itasca, IL · On-site

$18 - $24.25/hr

Collections Specialist About the Opportunity Our client is looking for a Collections Specialist to join a fast-paced team handling late-stage commercial accounts . This role focuses on resolving ...

The Hankey Group

90-Day Collections Representative

Las Vegas, NV · On-site

$20/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

WESTLAKE WARRIOR | Late Stage Collections Las Vegas, NV | 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.

The Hankey Group

90-Day Collections Representative

Las Vegas, NV · On-site

$20/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

WESTLAKE WARRIOR | Late Stage Collections Las Vegas, NV | 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.

Westlake Financial

60-day Collections Representative

Dallas, TX · On-site

$19.50/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

WESTLAKE WARRIOR | Mid to Late-Stage Collections Dallas, TX | On-site Why Westlake? * Base Pay: * $19.50 per hour plus bonus potential of up to $4,800 monthly based on individual and team performance.

Hyundai Capital

Loss Mitigation Associate

Plano, TX

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

Working knowledge of late-stage collections, customer account servicing, delinquency management, or loss mitigation practices. * Strong account research, analytical, and problem-solving skills with ...

Westlake Financial

90-Day Collections Representative

Dallas, TX · On-site

$20/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

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.

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Late Stage Collections information

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How much do late stage collections jobs pay per hour?

As of Aug 16, 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 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.
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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:

What job categories do people searching Late Stage Collections jobs look for?

The top searched job categories for Late Stage Collections jobs are:

Late Stage Collections jobs near you
Infographic showing various Late Stage Collections job openings in the United States as of August 2026, with employment types broken down into 86% Full Time, 12% Part Time, and 2% Contract. Highlights an 90% Physical, 3% Hybrid, and 7% Remote job distribution, with an average salary of $44,646 per year, or $21.5 per hour.

Director - Collections & Recovery

Marmon Holdings, Inc.

Westlake, OH • On-site

Full-time

Posted 11 days ago

Marmon Holdings rating

7.7

Company rating: 7.7 out of 10

Based on 15 frontline employees who took The Breakroom Quiz

Job description

United Consumer Financial Services Compa
As a part of the global industrial organization Marmon Holdings-which is backed by Berkshire Hathaway-you'll be doing things that matter, leading at every level, and winning a better way. We're committed to making a positive impact on the world, providing you with diverse learning and working opportunities, and fostering a culture where everyone's empowered to be their best.
The Director of Collections & Recovery is a senior leader responsible for designing, executing, and continuously optimizing the organization's end-to-end collections strategy. This includes oversight of early-stage, high-risk, late-stage, and outsourced agency operations. The role ensures strong portfolio performance, adherence to all federal and state regulations, and delivery of a best-in-class customer experience throughout the repayment lifecycle.
This position partners closely with Risk, Customer Service, Operations, Compliance, and Finance to reduce delinquency, maximize recoveries, modernize processes, and support sustainable portfolio growth. The Director will lead collections teams and vendor partners, manage dialer strategies, oversee quality monitoring, and implement omni-channel communication frameworks to drive efficiency and results.
ESSENTIAL DUTIES & RESPONSIBILITIES
Strategic Leadership & Portfolio Performance
  • Develop and execute the companywide collections strategy to reduce delinquency, improve cure rates, and optimize recoveries across all risk segments.
  • Monitor portfolio performance trends and proactively adjust tactics, staffing, dialer strategy, and outreach channels.
  • Review KPI dashboards (e.g., roll rates, PTP kept, DPD trends, liquidation rates, call productivity) to guide daily operations and long-term decision-making.
  • Partner with Credit Risk to align underwriting strategy and collections policies with emerging trends.

Operational Excellence
  • Lead early-stage, high-risk, late-stage, and specialty queue operations to ensure consistent execution and compliance.
  • Oversee outbound dialing strategies, text/email communication workflows, and channel optimization to maximize contact rates.
  • Drive process improvement initiatives to reduce operational friction, improve agent efficiency, and enhance customer experience.
  • Implement and maintain SOPs, call guides, and QA frameworks to ensure consistent performance.

People Leadership
  • Lead, develop, and mentor collections manager and supervisors to build a high-performing, data-driven culture.
  • Establish clear performance expectations, conduct regular coaching sessions, and ensure ongoing leadership development.
  • Facilitate workforce planning, hiring, onboarding, and succession planning for the Collections department.

Compliance & Risk Management
  • Ensure full compliance with FDCPA, Reg F, UDAAP, TCPA, state regulations, SCRA, and company policies.
  • Partner with Compliance and Legal to monitor regulatory changes and update processes accordingly.
  • Oversee QA monitoring, complaint resolution, and root-cause analysis to mitigate risk and prevent recurrence.
  • Ensure proper documentation and audit readiness for all collections processes and vendor relationships.

Vendor & Agency Management
  • Manage relationships with third-party collection agencies, skip-trace providers, and technology vendors.
  • Evaluate agency performance, set liquidation targets, negotiate contracts, and ensure adherence to compliance requirements.
  • Implement agency scorecards, regular performance reviews, and accountability structures.

Technology & Innovation
  • Collaborate with IT and Operations to optimize dialer configuration, segmentation logic, and automation.
  • Evaluate and implement tools such as AI-assisted QA, predictive analytics, and omni-channel communication platforms.
  • Lead digital transformation efforts within the collections function to increase efficiency and reduce operating costs.

SKILLS & ABILITIES
• Strategic Thinking & Decision Making
• Portfolio Performance Management
• Compliance & Regulatory Discipline
• Operational Optimization
• Change Leadership
• Cross-Functional Collaboration
• Data Interpretation & Storytelling
• Coaching & Talent Development
• Vendor & Technology-Enabled Transformation Leadership
MINIMUM QUALIFICATIONS
• 7+ years of experience in consumer lending, financial services collections/recovery, or a related credit risk function, including at least 3 years leading collections staff, cross-functional teams, or strategic vendor/technology initiatives within a regulated lending environment.
• Working knowledge of FDCPA, Reg F, UDAAP, TCPA, and state collection laws, with the ability to build deep regulatory fluency quickly; hands-on compliance experience in a collections environment strongly preferred.
• Demonstrated success improving portfolio performance through strategy, analytics, and operational execution, or through leading vendor and technology transformation initiatives that materially improved recovery outcomes.
Following receipt of a conditional offer of employment, candidates will be required to complete additional job-related screening processes as permitted or required by applicable law.
We are an equal opportunity employer, and all applicants will be considered for employment without attention to their membership in any protected class. If you require any reasonable accommodation to complete your application or any part of the recruiting process, please email your request to careers@marmon.com, and please be sure to include the title and the location of the position for which you are applying.

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