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Post Charge-Off Recovery Collector
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Challenge Financial Services
Phoenix, AZ (In Person)
$49,920 Salary, Full-Time
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Job Description
Post Charge-Off Recovery Collector Challenge Financial Services Phoenix, AZ Job Details Full-time $22 - $26 an hour 2 hours ago Benefits Health insurance Dental insurance Paid time off Vision insurance 401(k) matching Paid sick time Qualifications Spanish English High school diploma or GED Attention to detail Organizational skills Legal compliance Full Job Description Overview Post Charge-Off Recovery Collector - Auto Loans Job Summary The Post Charge-Off Recovery Collector is responsible for collecting on defaulted auto loan accounts that have been charged off the company's books. This role focuses on negotiating settlements, establishing payment arrangements, and recovering funds on delinquent accounts while maintaining compliance with all applicable federal and state regulations. Key Responsibilities Contact customers via phone, mail, and other approved channels regarding charged-off auto loan balances Negotiate lump-sum settlements, payment plans, and other recovery arrangements within established authority limits Skip trace accounts using internal and external tools to locate unresponsive customers Review account history, credit bureau data, and collateral information to develop effective collection strategies Coordinate with repossession vendors and remarketing teams when voluntary or involuntary repossession is required Process and apply payments accurately, ensuring proper documentation in the loan servicing system Assess collectability and recommend accounts for legal referral, debt sale, or write-off as appropriate Respond to customer disputes and inquiries professionally and in accordance with FDCPA and CFPB guidelines Maintain accurate and thorough notes on all account activity and customer interactions Meet or exceed individual monthly recovery targets and productivity metrics Qualifications High school diploma or GED required 1-3 years of experience in collections, with post charge-off or recovery experience strongly preferred; auto lending experience a plus Bilingual English/Spanish required Working knowledge of the Fair Debt Collection Practices Act (FDCPA), Regulation F, and applicable state collection laws Familiarity with skip tracing tools and loan servicing platforms (e.g., DT, CUBS, Shaw, CDK) Strong negotiation, communication, and problem-solving skills Ability to handle high call volumes and manage a large account portfolio Proficiency in Microsoft Office; ability to learn internal systems quickly Key Competencies Results-driven with a persistent but professional approach High degree of integrity and ethical conduct Cultural competency and sensitivity when engaging with diverse customer populations Detail-oriented with strong organizational skills Ability to work independently and as part of a team Composure and professionalism when handling difficult conversations Work Environment Full-time, typically Monday-Friday with some evening or Saturday hours required.