Senior Collections Specialist – Fintech, Commercial Finance

Truelogic Software

. Manage and prioritize a portfolio of high-balance, complex delinquent commercial accounts based on risk, balance, and aging .

Posted 9/15/2026full-timeRemote • UruguaySeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in managing complex delinquent commercial accounts, structuring repayment plans, and ensuring compliance with FDCPA standards and U.S. commercial collections regulations. Proven ability to mentor teams and collaborate across departments to resolve payment issues effectively.

Highest-signal resume keywords

Collections ExperienceNegotiation CapabilitiesFDCPA Guidelines KnowledgeCRM Systems ProficiencyFinancial Analysis

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Collections ManagementFinancial ResearchRisk EvaluationRepayment Plan StructuringPortfolio Performance Analysis

Soft Skills

Conflict ResolutionDe-EscalationMentoringCommunication

Tools & Technologies

Collections SoftwareCRM SystemsMicrosoft ExcelACH Banking Processes

Industry Keywords

FintechMerchant Cash AdvanceCommercial LendingB2B Financial ServicesCompliance Protocols

About the role

Key responsibilities & impact

Manage and prioritize a portfolio of high-balance, complex delinquent commercial accounts based on risk, balance, and aging
Evaluate business cash flow and financial health to structure viable repayment plans, settlements, and workout arrangements within authority limits
Act as the primary escalation point for sensitive, high-value, or severe risk collections cases
Conduct due diligence, financial research, and risk evaluations to minimize losses and prevent pre-charge-offs
Track, analyze, and report portfolio performance metrics and delinquency trends directly to management
Ensure strict adherence to FDCPA standards, state/federal regulations, and internal compliance protocols
Partner with Legal, Finance, Customer Service, and Sales teams to resolve recurring payment defaults
Mentor junior collections team members on negotiation best practices, compliance, and dispute resolution

Requirements

What you’ll need

5+ years of collections experience handling complex, high-balance, or high-risk accounts within fintech, merchant cash advance (MCA), commercial lending, or B2B financial services
Bachelor’s degree in Finance, Business Administration, or related field (or equivalent practical experience)
Exceptional verbal and written English skills (C1/C2)
Proven de-escalation, conflict-resolution, and negotiation capabilities
Proficiency with CRM systems, collections software, ACH banking processes, and Microsoft Excel
Deep understanding of FDCPA guidelines and U.S. commercial collections regulations
Ability to work remotely in LATAM during U.S. business hours

Benefits

Comp & perks

100% Remote Work
Highly Competitive USD Pay
Paid Time Off
Work with Autonomy
Work with Top American Companies
Engagement activities
Work-life balance support
Collaboration with a diverse, global network
Access to seasoned senior professionals