Senior Collections Specialist – Fintech, Commercial Finance

This is a fully remote position, open to applicants in Dominican Republic.

📋 Description

• Oversee and prioritize a portfolio comprising high-balance, intricate delinquent commercial accounts based on risk assessment, balance, and aging.

• Assess business cash flow and financial stability to formulate repayment plans, settlements, and workout agreements within authorized limits.

• Act as the main escalation contact for sensitive, high-value, or high-risk collections cases.

• Perform due diligence, financial analysis, and risk assessments to reduce losses and avert pre-charge-offs.

• Monitor, analyze, and report on portfolio performance metrics and delinquency trends directly to management.

• Ensure compliance with FDCPA standards, state and federal regulations, and internal compliance protocols.

• Collaborate with Legal, Finance, Customer Service, and Sales teams to address recurring payment defaults.

• Provide mentorship to junior collections team members on negotiation techniques, compliance, and dispute resolution.

⛳️ Requirements

• A minimum of 5 years of collections experience managing 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 a related field, or equivalent practical experience.

• Excellent verbal and written communication skills in English at C1/C2 proficiency level.

• Demonstrated ability in de-escalation, conflict resolution, and negotiation.

• Proficient in CRM systems, collections software, ACH banking processes, and Microsoft Excel.

• Comprehensive understanding of FDCPA guidelines and U.S. commercial collections regulations.

🏝️ Benefits

• Highly competitive USD salary.

• Paid time off.

• Fully remote working environment.

• Flexible control over work schedule.

• Opportunities to engage with leading American companies on impactful projects.

• Engagement activities promoting well-being and work-life balance.

• Collaboration with a diverse, global network across more than 25 countries.

• Access to experienced senior professionals and multicultural teams.