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-timeRemoteSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in managing complex delinquent commercial accounts, structuring repayment plans, and ensuring compliance with FDCPA standards. Proven ability to analyze financial health, mentor team members, and collaborate cross-functionally to resolve payment issues.

Highest-signal resume keywords

Collections ExperienceFinancial AnalysisFDCPA ComplianceNegotiation SkillsCRM Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial ResearchRisk EvaluationPortfolio ManagementRepayment StructuringPerformance Metrics Analysis

Soft Skills

Conflict ResolutionDe-EscalationMentoringCommunication

Tools & Technologies

CRM SystemsCollections SoftwareMicrosoft ExcelACH Banking Processes

Industry Keywords

FintechMerchant Cash AdvanceCommercial LendingB2B Financial ServicesU.S. Commercial Collections Regulations

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 cross-functionally with Legal, Finance, Customer Service, and Sales teams to resolve root causes of 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) with 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.

Benefits

Comp & perks

100% Remote Work: Enjoy the freedom to work from the location that helps you thrive. All it takes is a laptop and a reliable internet connection.
Highly Competitive USD Pay: Earn an excellent, market-leading compensation in USD, that goes beyond typical market offerings.
Paid Time Off: We value your well-being. Our paid time off policies ensure you have the chance to unwind and recharge when needed.
Work with Autonomy: Enjoy the freedom to manage your time as long as the work gets done. Focus on results, not the clock.
Work with Top American Companies: Grow your expertise working on innovative, high-impact projects with Industry-Leading U.S. Companies.
A Culture That Values You: We prioritize well-being and work-life balance, offering engagement activities and fostering dynamic teams to ensure you thrive both personally and professionally.
Diverse, Global Network: Connect with over 600 professionals in 25+ countries, expand your network, and collaborate with a multicultural team from Latin America.
Team Up with Skilled Professionals: Join forces with senior talent. All of our team members are seasoned experts, ensuring you're working with the best in your field.