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 • PanamaSeniorWebsite

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 and mentor team members in negotiation and conflict resolution.

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 Performance TrackingRepayment Plan StructuringACH Banking ProcessesCollections Software ProficiencyMicrosoft ExcelConflict ResolutionDe-Escalation TechniquesCompliance Protocols

Soft Skills

Verbal CommunicationWritten CommunicationMentoringTeam CollaborationProblem Solving

Tools & Technologies

CRM SystemsCollections Software

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 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
Must be based in Latin America
Ability to work 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
Access to a diverse, global network of 600+ professionals in 25+ countries
Collaboration with a multicultural team
Opportunity to work with senior, seasoned professionals