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Delinquency Management Jobs (NOW HIRING)

Flat Branch Home Loans

Default Servicing Manager

Strategic Default and Delinquency Management * Develop and execute comprehensive default servicing strategies that effectively manage delinquency, reduce portfolio losses, improve cure rates, and ...

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How much do delinquency management jobs pay per year?

As of Aug 24, 2026, the average yearly pay for delinquency management in the United States is $103,704.00, according to ZipRecruiter salary data. Most workers in this role earn between $72,500.00 and $132,000.00 per year, depending on experience, location, and employer.

What is delinquency management?

Delinquency management refers to the processes and strategies that organizations, particularly in finance and lending, use to handle overdue payments or accounts that have not met their payment obligations. This involves monitoring accounts, contacting customers who are behind on payments, arranging repayment plans, and working to recover outstanding debts while minimizing losses. Effective delinquency management helps maintain cash flow and reduces the risk of bad debt for businesses.

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

To thrive in Delinquency Management, you need strong analytical skills, knowledge of financial regulations, and experience with credit or collections processes, often supported by a degree in finance, business, or a related field. Familiarity with collections software, account management systems, and compliance tools is typically required. Excellent negotiation, problem-solving, and communication skills help you engage with clients and coordinate with internal teams effectively. These skills are essential for minimizing financial losses, ensuring compliance, and maintaining positive client relationships.

What are some common challenges faced by professionals in delinquency management, and how can they be effectively addressed?

Professionals in Delinquency Management often deal with the challenge of engaging delinquent account holders who may be unresponsive or hesitant to communicate. Balancing empathy with firm adherence to company policies is essential when negotiating payment solutions. The role requires strong problem-solving skills to develop customized repayment plans and maintain positive customer relationships, all while meeting collection targets. Regular collaboration with legal, compliance, and customer service teams is also necessary to ensure accounts are handled appropriately and in accordance with regulations.

What is the difference between Delinquency Management vs Collections Specialist?

AspectDelinquency ManagementCollections Specialist
CredentialsTypically requires a high school diploma or equivalent; some roles may prefer experience in finance or customer serviceUsually requires a high school diploma; certifications like Certified Collections Professional (CCP) can be advantageous
Work EnvironmentOffice setting, often involving customer communication and account analysisOffice or remote, focused on contacting debtors and negotiating payments
Industry UsageUsed across banking, finance, and lending institutions to manage overdue accountsCommonly employed in debt collection agencies and financial institutions to recover owed funds

While both roles involve managing overdue accounts, Delinquency Management focuses on preventing accounts from becoming delinquent through monitoring and early intervention, whereas Collections Specialists actively pursue overdue payments to recover funds. Understanding these differences helps clarify career paths and employer expectations in the finance industry.

More about delinquency management jobs

What are the most commonly searched types of Delinquency Management jobs?

The most popular types of Delinquency Management jobs are:

What job categories do people searching Delinquency Management jobs look for?

The top searched job categories for Delinquency Management jobs are:

delinquency management jobs near you
Infographic showing various Delinquency Management job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 84% Full Time, 13% Part Time, and 2% Contract. Highlights an 83% Physical, 2% Hybrid, and 15% Remote job distribution, with an average salary of $103,704 per year, or $49.9 per hour.

Associate, Delinquency Management (Internal Collections)

Oriental Financial Services LLC

Bayamon, PR • On-site

$15.75 - $21.50/hr

Full-time

Re-posted 2 days ago

Job description

The Associate, Delinquency Management (Internal Collections) is responsible for the collection management of auto loans, personal loans, credit cards and overdrafts. Achieving this payment collection by contacting the client telephonically. Position works on-site in Bayamon, PR.
MAIN DUTIES & RESPONSIBILITIES:
  • Determine which factors are affecting the debtor's responsibility to keep the account up-to-date; offering counsel about all the alternatives the institution offers in order to regularize his or her debt.
  • Receives the clients credit or cash payments, prepares their receipts and processes the payment's, on the day same day it is received, in Oriental Bank's internet payment system.
  • Transcribes all of the payment collections performed in the collection information system.
  • Prepares maintenance documents in order to update the client's information on the system. Such as the residency address, work address and/or telephone changes.
  • Develops daily production report.
  • Offers his or her direct supervisor recommendations, in relation to accounts that were adjusted based on the clients economic conditions and the unit's risk.
  • Discusses with his or her supervisor the cases that have not been resolved in order to determine the best course of action.
  • Document in the internal collection adjuster work tool everything related to his or her client interaction. Detailing the interaction with the client, the obtained result of the client's approach, payments received, etc. Will also document the adjuster's handling result, for those collection adjuster's in training whom do not have access and/or any collection adjuster who has a medical restriction that prohibits the programs use.
  • Identify the problems that affect the payment handling and collection, such as missing clients, units ceded to a third party or broker, etc.
  • When there is a third party involved, collect all of the necessary information.
  • Other duties may be assigned.

MINIMUM REQUIREMENTS:
  • Associate's Degree in Business Administration, Finance, Accounting or any other related area from a qualified institution required.
  • Two (2) years experience in jobs related to money collection highly desirable.
  • Minimum education and experience required can be substituted with the equivalent combination of education, training and experience that provides the required knowledge skills and abilities.
  • Knowledge of Federal and State Regulations, Procedures and Policies that regulate auto loans.
  • Effective technical and practical knowledge regarding payment collections.
  • Procedural and policy knowledge regarding the auto loan's overdue payments collection.
  • Excellent presentation, communication and writing skills.
  • Able to understand and follow written and verbal instructions.
  • Ability to act and handle difficult situations.
  • Treats delicate situations respectfully and discreetly.
  • Solves mathematical calculations swiftly and accurately.
  • Manages and operates the Collections Information System, calculators, and other office equipment.
  • Capable of exerting analysis, problem resolutions, detail-oriented and execute various task simultaneously, while maintaining the quality standards.

WORK AUTHORIZATION & ELEGIBILITY:
  • Legally authorized to work in the US is required. This position is of indefinite duration and requires candidates to have permanent or ongoing work authorization.
  • Employee is responsible for maintaining eligible work authorization throughout his tenure with the organization.

Oriental is an Equal Opportunity Employer (EEO/Affirmative Action for Veterans/Workers with Disabilities)
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