CREDIT/BILLING/COLLECTION OFFICER

Customer Engagement: Initiate outbound calls to customers who have outstanding debts, establishing rapport and maintaining a professional and empathetic demeanor throughout the conversation. Negotiation: Negotiate repayment terms, settlements, or alternative arrangements with customers to resolve delinquent accounts while adhering to company policies and guidelines. Documentation: Maintain accurate and thorough records of all customer interactions, payment agreements, and any relevant information in our systems. Compliance: Ensure all collection activities comply with relevant laws, regulations, and industry best practices, including the Fair Debt Collection Practices Act (FDCPA). Customer Education: Educate customers about their outstanding balances, payment options, and financial responsibilities in a clear and respectful manner. Problem Solving: Analyze each customer's financial situation and recommend suitable solutions that align with their ability to pay and the company's goals. Reporting: Generate and submit regular reports on collection activities, account statuses, and trends to management. Adaptability: Stay up-to-date with industry trends and adapt to new collection techniques and strategies to maximize recovery rates.

Qualifications/Requirements: Previous Collections Experience: Minimum of 1 year of experience in collections or a related role, preferably in a financial services environment. Excellent Communication: Strong verbal and written communication skills, with the ability to engage and negotiate effectively over the phone. Empathy: Demonstrated ability to empathize with customers' financial situations while maintaining professionalism. Problem Solving: Effective problem-solving skills and the ability to think critically to find solutions. Compliance Knowledge: Familiarity with debt collection regulations and compliance standards, including FDCPA. Computer Proficiency: Comfortable using collection software, CRM systems, and Microsoft Office Suite. Ethical Conduct: Maintain a high level of integrity and ethical conduct in all collection activities.