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Portfolio Recovery Jobs (NOW HIRING)

Clicklease

Recovery Specialist

Draper, UT · On-site

$22 - $24/hr

Portfolio Specialist - Asset Recovery & Remarketing Help Small Businesses Recover and Keep the Equipment They Need Own a portfolio, drive recovery outcomes, negotiate resolutions, and play a direct ...

Connexus Credit Union

Portfolio Analyst

The Portfolio Analyst supports the Asset Recovery, Collections, and Charge-Off departments at Connexus Credit Union. This role is responsible for aggregating and analyzing portfolio performance data ...

Access Plus Capital

Portfolio Manager

Fresno, CA · On-site

$74K - $104K/yr

The Portfolio Manager manages borrower relationships, conducts financial analysis, completes the ... Coordinate and manage loan recovery efforts, including proper reporting of loan write-offs ...

Connexus Credit Union

Portfolio Analyst

This Portfolio Analyst role sits at the intersection of Credit Risk and Enterprise Risk, driving ... Support executive and board level reporting requests on recoveries, risk exposure and trends as ...

Access Plus Capital

Portfolio Manager

Fresno, CA · On-site

$74K - $104K/yr

The Portfolio Manager manages borrower relationships, conducts financial analysis, completes the ... Coordinate and manage loan recovery efforts, including proper reporting of loan write-offs ...

Access Plus Capital

Portfolio Manager

Fresno, CA · On-site

$74K - $104K/yr

The Portfolio Manager manages borrower relationships, conducts financial analysis, completes the ... Coordinate and manage loan recovery efforts, including proper reporting of loan write-offs ...

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Portfolio Recovery information

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$13

$26

$38

How much do portfolio recovery jobs pay per hour?

As of Jul 26, 2026, the average hourly pay for portfolio recovery in the United States is $26.35, according to ZipRecruiter salary data. Most workers in this role earn between $24.04 and $28.37 per hour, depending on experience, location, and employer.

What is portfolio recovery?

Portfolio recovery refers to the process of purchasing and collecting on delinquent or charged-off debt portfolios, usually by specialized companies. These firms buy large groups of defaulted accounts from original creditors at a discount and then attempt to recover as much of the unpaid debt as possible from consumers. The goal is to maximize recovery while staying within legal and ethical guidelines. Portfolio recovery specialists may contact debtors directly, negotiate settlements, or use legal means to collect outstanding balances.

What are the key skills and qualifications needed to thrive in Portfolio Recovery, and why are they important?

To thrive in Portfolio Recovery, you need strong analytical skills, attention to detail, and a background in finance, business, or collections-related fields. Familiarity with collections software, CRM systems, and relevant compliance certifications is often required. Excellent negotiation, communication, and problem-solving abilities help you effectively engage with clients and resolve outstanding debts. These skills are crucial for maximizing recovery rates while maintaining compliance and positive client relationships.

What are some common challenges faced by professionals in Portfolio Recovery, and how can they be managed?

Professionals in Portfolio Recovery often encounter challenges such as negotiating with reluctant debtors, managing high call volumes, and adhering to strict compliance regulations. Success in this role requires excellent communication skills, resilience, and a thorough understanding of legal guidelines governing debt collection. Many teams provide regular training and support to help staff handle difficult conversations and maintain compliance, while technology tools can streamline workflow and reduce stress. Building rapport with customers and staying organized are key to overcoming these challenges and succeeding in Portfolio Recovery.

What is the 7 7 7 rule for debt collectors?

The 7 7 7 rule in debt collection refers to a guideline where debt collectors are advised to contact debtors no more than seven times over seven days and wait at least seven days between contact attempts. This rule aims to prevent harassment and ensure compliance with the Fair Debt Collection Practices Act (FDCPA). As a portfolio recovery specialist, understanding such regulations helps maintain ethical collection practices and avoid legal issues.

What is the difference between Portfolio Recovery vs Debt Collector?

AspectPortfolio RecoveryDebt Collector
CredentialsTypically no specific certifications required, but knowledge of collections laws helpsOften no formal certifications, but familiarity with debt collection practices is common
Work EnvironmentOffice-based, handling portfolios of defaulted debts for third-party agenciesField or office-based, contacting debtors to recover overdue payments
Employer & IndustryThird-party debt recovery agencies, financial institutionsDebt collection agencies, financial services companies

Portfolio Recovery specialists focus on managing and recovering debts through structured portfolios, often working with legal and financial tools. Debt collectors typically engage directly with debtors to negotiate payments. While both roles involve debt recovery, Portfolio Recovery emphasizes portfolio management and legal processes, whereas debt collectors focus on direct contact and negotiation.

Is Portfolio Recovery Associates real or fake?

Portfolio Recovery Associates is a legitimate debt collection company that hires professionals for roles such as debt recovery specialists and account managers. The company operates within the legal framework of debt collection and requires knowledge of consumer rights and relevant regulations. Job seekers should verify openings through official channels and be cautious of scams.

Who do Portfolio Recovery Associates work for?

Portfolio Recovery Associates is a debt collection agency that works on behalf of creditors and lenders to recover unpaid debts. Employees in this role typically follow federal and state regulations, and may use collection software and negotiation skills to contact debtors and facilitate repayment.

What is the highest paying collection job?

In collection jobs, roles such as senior collections manager or specialized debt recovery supervisor tend to have the highest salaries, often exceeding $70,000 annually. These positions typically require experience, strong negotiation skills, and knowledge of debt collection laws and tools like collection software.
More about Portfolio Recovery jobs
What states have the most Portfolio Recovery jobs? States with the most job openings for Portfolio Recovery jobs include:
What job categories do people searching Portfolio Recovery jobs look for? The top searched job categories for Portfolio Recovery jobs are:
Portfolio Recovery jobs near you
Infographic showing various Portfolio Recovery job openings in the United States as of July 2026, with employment types broken down into 92% Full Time, 7% Part Time, and 1% Contract. Highlights an 85% Physical, 5% Hybrid, and 10% Remote job distribution, with an average salary of $54,815 per year, or $26.4 per hour.

Senior Product Manager - Debt Recovery & Collection

LumiJobs

Austin, TX

$125K - $165K/yr

Full-time

Posted 9 days ago

Job description

About the Role
We are seeking an experienced Senior Product Manager with deep expertise in the Debt Recovery and Collections domain. The ideal candidate will possess a strong understanding of the end-to-end debt recovery ecosystem and have the ability to translate complex business challenges into practical, scalable product solutions.
This role requires a seasoned professional who can provide functional leadership during product discovery and delivery, guide cross-functional teams with domain expertise, and make informed decisions in real time. The candidate should be comfortable working directly with business stakeholders, engineering teams, and customers to build products that improve operational efficiency, compliance, and recovery outcomes.

Key Responsibilities

  • Define and execute the product vision and roadmap for debt recovery and collections solutions.
  • Act as the domain expert, providing functional guidance and solution recommendations throughout the product lifecycle.
  • Lead product discovery workshops, gather business requirements, and translate them into clear product specifications.
  • Understand business challenges quickly and provide practical solutions during discussions and implementation.
  • Drive improvements across the debt recovery ecosystem by identifying process gaps, automation opportunities, and operational efficiencies.
  • Collaborate closely with Engineering, UX, QA, and Business teams to ensure successful product delivery.
  • Ensure product solutions align with regulatory and compliance requirements.
  • Prioritize features based on business value, customer needs, and strategic objectives.
  • Mentor teams on domain best practices and support informed product decisions.

Required Domain Expertise

Hands-on experience in one or more of the following areas:

  • Debt Recovery & Collections Management
  • Debt Buying & Charge-off Recovery
  • Litigation & Legal Collections
  • Payment Plans & Settlements
  • Skip Tracing & Account Resolution
  • Affidavit and Legal Document Management
  • Collection Workflows & Case Management
  • Compliance (FDCPA, CFPB, Reg F, FCRA, TCPA)
  • Portfolio & Recovery Strategy Management

Required Skills

  • 8+ years of Product Management experience with significant exposure to the Debt Recovery/Collections domain.
  • Strong understanding of the debt recovery business lifecycle and industry best practices.
  • Proven ability to analyze complex business problems and provide solution-oriented recommendations on the fly.
  • Experience leading product discovery, roadmap planning, and Agile product delivery.
  • Excellent stakeholder management, communication, and facilitation skills.
  • Strong analytical, problem-solving, and decision-making capabilities.
  • Ability to influence cross-functional teams and drive product outcomes.

Preferred Qualifications

  • Experience working with Debt Buyers, Collection Agencies, Financial Institutions, or Accounts Receivable Management (ARM) organizations.
  • Exposure to workflow automation, AI-driven collections, analytics, or case management platforms.
  • Familiarity with modern SaaS products and API-driven integrations