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Repossession Jobs in Houston, TX (NOW HIRING)

LPR Solutions, LLC

camera scan driver

Houston, TX · On-site

The driver will visually verify the vin number of the vehicle and notify Repossession Agent. You will work independently within very flexible hours, including 3rd shift and weekends. We are an Equal ...

LPR Solutions, LLC

camera scan driver

Houston, TX · On-site

The driver will visually verify the vin number of the vehicle and notify Repossession Agent. You will work independently within very flexible hours, including 3rd shift and weekends. We are an Equal ...

Austin Bank

Special Assets Manager

Spring, TX · On-site

Review all charged-off, foreclosure, and repossession memos to determine collectability. Prepare and mail collection letters. Negotiate repayment terms with customers on charged-off accounts.

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All JobsRepossession JobsRepossession Jobs in Houston, TX

Repossession information

See Houston, TX salary details

$10.5K

$55.2K

$131.2K

How much do repossession jobs pay per year?

As of Aug 7, 2026, the average yearly pay for repossession in Houston, TX is $55,180.00, according to ZipRecruiter salary data. Most workers in this role earn between $36,700.00 and $49,600.00 per year, depending on experience, location, and employer.

How do I become a repossession agent?

To become a repossession agent, you typically need a high school diploma or equivalent, a valid driver's license, and a clean driving record. Many employers require completion of specialized training or certification in repossession procedures and safety, and some states have licensing requirements for repossession agents.

What is a repossession agent?

A repossession agent, often called a repo agent, is a professional responsible for recovering property—such as vehicles, boats, or other assets—that have been leased or financed but not paid for according to the terms of a loan agreement. When a borrower defaults on their payments, the lender may hire a repossession agent to retrieve the collateral. Repo agents must follow state and federal laws to ensure the process is legal and avoid breaching the peace. They typically work for repossession companies or as independent contractors. The job often involves locating assets, negotiating with owners, and safely transporting the repossessed property.

What are the key skills and qualifications needed to thrive as a repossession agent?

To thrive as a Repossession Agent, you generally need a valid driver's license, knowledge of state repossession laws, and often a high school diploma or equivalent. Familiarity with GPS tracking systems, tow trucks, and recovery management software is typically required. Strong conflict resolution, situational awareness, and effective communication skills help navigate tense situations and ensure safety. These skills are crucial for conducting lawful, efficient repossessions while minimizing risk and maintaining professionalism.

What is the difference between Repossession vs Debt Collector?

AspectRepossessionDebt Collector
Required CredentialsPossibly licensed or certified depending on jurisdictionOften requires collection licenses or certifications
Work EnvironmentFieldwork involving vehicle or asset retrievalOffice-based or fieldwork contacting debtors
Industry UsageFinancial institutions, auto lenders, leasing companiesCreditors, collection agencies, banks
Common Search/ComparisonRepossession vs Debt Collector

Repossession involves retrieving assets like vehicles or property when borrowers default, often requiring specialized licensing. Debt collectors focus on contacting debtors to recover owed money, typically working in collections. While both roles deal with debt recovery, repossession is more asset-focused and field-based, whereas debt collection emphasizes communication and negotiation. Understanding these differences helps job seekers identify the right career path in the debt recovery industry.

What are some typical challenges faced by repossession agents, and how are they addressed on the job?

Repossession agents often encounter challenges such as dealing with difficult or emotional vehicle owners, locating hard-to-find assets, and working in potentially stressful or confrontational situations. Companies usually provide training on conflict de-escalation, legal compliance, and safety procedures to help agents manage these scenarios. Strong communication skills and teamwork are essential, as agents often coordinate with lenders, law enforcement, and dispatchers to ensure safe and lawful repossessions.
What are the most commonly searched types of Repossession jobs in Houston, TX? The most popular types of Repossession jobs in Houston, TX are:
What are popular job titles related to Repossession jobs in Houston, TX? For Repossession jobs in Houston, TX, the most frequently searched job titles are:
What job categories do people searching Repossession jobs in Houston, TX look for? The top searched job categories for Repossession jobs in Houston, TX are:
What cities near Houston, TX are hiring for Repossession jobs? Cities near Houston, TX with the most Repossession job openings:
Repossession jobs near you
Infographic showing various Repossession job openings in Houston, TX as of August 2026, with employment types broken down into 95% Full Time, 4% Part Time, and 1% Contract. Highlights an 90% Physical, 2% Hybrid, and 8% Remote job distribution, with an average salary of $55,180 per year, or $26.5 per hour.

Collections Manager

Coastal Community Federal Credit Union

Houston, TX • On-site

Full-time

Posted 7 days ago

Job description

The Collections Manager leads and oversees collections operations across mortgage, auto, and signature (unsecured consumer) loan portfolios. This role is accountable for team performance, recovery results, regulatory compliance, vendor relationships, and continuous process improvement to minimize loss and preserve customer relationships.
Requirements
Key Responsibilities
  • Team Leadership: Supervise, coach, and develop a team of collectors and specialists; set performance expectations, conduct regular one-on-ones, and manage staffing needs.
  • Operational Oversight: Manage day-to-day collections activities across mortgage, auto, and signature loan portfolios; ensure consistent application of policies and procedures.
  • Performance Management: Establish and monitor KPIs such as cure rates, roll rates, recovery amounts, promise-to-pay adherence, and days delinquent; deliver regular performance reports to senior management.
  • Strategy and Process Improvement: Design and implement collection strategies, segmentation models, and workflow improvements to increase recoveries and reduce delinquency.
  • Compliance and Risk Management: Ensure all collection practices comply with FDCPA, RESPA, state laws, investor requirements, and internal policies; maintain audit-ready documentation and lead remediation efforts when issues arise.
  • Vendor and Legal Management: Oversee relationships with third-party vendors including skip-trace providers, repossession firms, attorneys, and collection agencies; negotiate contracts and monitor vendor performance.
  • Escalation and Loss Mitigation: Coordinate complex loss-mitigation efforts, foreclosure or repossession escalations, bankruptcy cases, and legal referrals in partnership with legal and underwriting teams.
  • Customer Experience: Promote professional, empathetic borrower engagement; resolve escalated borrower complaints and ensure high standards of customer service.
  • Reporting and Budgeting: Prepare monthly and ad hoc reports for leadership; manage departmental budgets and resource allocation.
  • Training and Documentation: Develop training programs, maintain up-to-date procedure manuals, and ensure team proficiency with servicing systems and regulatory updates.

Qualifications
  • Experience: 5+ years in collections, loan servicing, or loss mitigation with at least 2 years in a supervisory or managerial role; direct experience across mortgage, auto, and unsecured signature loan collections strongly preferred.
  • Education: High school diploma or GED required; Associate or Bachelor's degree in finance, business, or related field preferred.
  • Technical Skills: Proficiency with loan servicing systems, CRM platforms, and MS Office (Excel reporting skills required). Experience with skip-trace, repossession vendor platforms, and collections analytics tools preferred.
  • Regulatory Knowledge: Strong working knowledge of FDCPA, RESPA, state foreclosure and repossession laws, bankruptcy procedures, and investor servicing guidelines.
  • Certifications: Relevant certifications in collections, mortgage servicing, or compliance are a plus.

Skills and Competencies
  • Leadership: Proven ability to motivate teams, manage performance, and drive results.
  • Analytical Thinking: Strong data-driven decision-making and ability to interpret portfolio metrics.
  • Communication: Clear, professional verbal and written communication with internal stakeholders, vendors, and borrowers.
  • Negotiation: Skilled at structuring repayment plans, settlements, and vendor agreements.
  • Organization: Ability to prioritize competing demands and manage high-volume caseloads through delegation and process controls.
  • Problem Solving: Proactive in identifying root causes and implementing corrective actions.
  • Compliance Orientation: Meticulous attention to regulatory detail and audit readiness.
  • Emotional Intelligence: Empathy and professionalism when handling sensitive borrower situations and escalations.

Working Conditions
  • Schedule: Full-time; may require extended hours during peak periods or to meet deadlines.
  • Physical Requirements: Office-based work with extended computer use; occasional travel to vendor sites or branch locations may be required.

Equal Opportunity: Employer is an equal opportunity employer committed to diversity and inclusion.

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