About Company
Looking for a dynamic remote role where your negotiation skills truly shine? Career.zycto is a forward-thinking organization dedicated to optimizing financial outcomes through innovative and ethical collection strategies. We empower our specialists with cutting-edge tools and a supportive virtual environment, fostering growth and professional development. For an Online Collections Specialist, this means a chance to build strong relationships, resolve complex financial situations, and significantly contribute to our clients’ stability from anywhere. Join a team that values integrity, efficiency, and a human-centered approach to problem-solving.
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Job Description
Career.zycto is seeking a dedicated and resourceful Online Collections Specialist to join our fully remote team. In this pivotal role, you will be instrumental in managing and resolving outstanding accounts for a diverse client base, all from the comfort and convenience of your home office. This isn’t just about debt recovery; it’s about empathetic problem-solving, financial guidance, and maintaining positive client relationships while ensuring timely payments.
As an Online Collections Specialist, you will leverage your exceptional communication and negotiation skills to engage with clients via phone, email, and online portals. You will be responsible for understanding individual financial situations, explaining payment options clearly, and establishing sustainable repayment plans. We believe in a respectful and professional approach, ensuring that every interaction upholds our commitment to ethical practices and client satisfaction. Your day-to-day will involve analyzing account histories, updating records with meticulous accuracy, and collaborating with internal teams to resolve complex issues.
This remote position demands a high level of self-motivation, organizational prowess, and the ability to thrive independently. You’ll operate within a structured yet flexible environment, utilizing state-of-the-art collections software and communication tools. If you are passionate about helping individuals and businesses achieve financial stability, possess a keen eye for detail, and are eager to contribute to a growing, values-driven company from anywhere in the Portland, Oregon area, this is the opportunity for you. We offer comprehensive training and continuous support to ensure your success, making this an ideal role for someone looking to make a significant impact while enjoying work-life balance.
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Key Responsibilities
- Contact clients with overdue accounts via phone, email, and online communication platforms to negotiate payment.
- Analyze account information to determine the best course of action for debt resolution, adhering to company policies and legal guidelines.
- Develop and implement feasible repayment plans based on client financial capabilities and company standards.
- Maintain accurate and detailed records of all communication and payment arrangements in the collections database.
- Investigate and resolve billing discrepancies, disputes, and other customer inquiries related to outstanding balances.
- Collaborate with other departments, such as customer service and legal, to resolve complex account issues efficiently.
- Ensure compliance with all federal and state regulations pertaining to debt collection (e.g., FDCPA, TCPA).
- Provide exceptional customer service while maintaining a professional and empathetic demeanor during challenging conversations.
- Prepare and submit regular reports on collections activities and account statuses to management.
Required Skills
- Minimum 2 years of experience in collections, accounts receivable, or a related financial role.
- Proven ability to negotiate effectively and persuade customers to make payments.
- Excellent verbal and written communication skills with a professional and empathetic approach.
- Proficiency in using collections software, CRM systems, and Microsoft Office Suite (Excel, Word, Outlook).
- Strong analytical and problem-solving abilities to assess financial situations and develop solutions.
- Exceptional organizational skills and attention to detail for accurate record-keeping.
- Ability to work independently, manage time effectively, and meet performance targets in a remote setting.
- High school diploma or equivalent.
Preferred Qualifications
- Associate's or Bachelor's degree in Business, Finance, or a related field.
- Experience with online payment processing and digital communication tools.
- Familiarity with financial regulations specific to debt collection (FDCPA, TCPA, state laws).
- Bilingual proficiency (e.g., Spanish/English) is a plus.
- Certification in collections or credit management.
Perks & Benefits
- Competitive salary with performance-based incentives.
- Comprehensive health, dental, and vision insurance.
- Paid time off (PTO) and company holidays.
- 401(k) retirement plan with company match.
- Remote work flexibility with a supportive virtual team environment.
- Professional development and training opportunities.
- Access to cutting-edge technology and tools.
- Employee assistance program (EAP).
How to Apply
Ready to make a difference from your home office? We encourage all qualified candidates to apply by clicking on the application link below. Please ensure your resume highlights your collections experience and remote work capabilities.
