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

📋 Description

• Oversee and prioritize a portfolio of high-value, intricate delinquent commercial accounts, taking into account risk factors, balance, and aging.

• Assess business cash flow and financial stability to design feasible repayment plans, settlements, and workout arrangements within established authority limits.

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

• Perform due diligence, financial research, and risk assessments to mitigate 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, as well as internal compliance protocols.

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

• Guide junior collections team members on negotiation best practices, compliance, and dispute resolution.

⛳️ Requirements

• A minimum of 5 years of collections experience managing complex, high-balance, or high-risk accounts in 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).

• Outstanding verbal and written communication skills in English (C1/C2 level).

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

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

• Strong knowledge of FDCPA guidelines and U.S. commercial collections regulations.

• Must reside in Latin America.

• Availability to work during U.S. business hours.