Debt Collection (US Process)

About the Opportunity

A fast-growing Business Process Outsourcing (BPO) operating in Financial Services Accounts Receivable & Consumer Debt Recovery for US portfolios. The team delivers compliance-driven collections dispute resolution and recovery services for credit utility and consumer loan accounts.

We are hiring an on-site US Debt Collections Specialist to work on US consumer accounts engaging customers via phone and digital channels to maximize recoveries while maintaining regulatory and quality standards.

Role & Responsibilities

• Contact assigned US consumer accounts using outbound/inbound calling and digital messaging to negotiate resolution and obtain payments.
• Adhere to FDCPA TCPA and client-specific compliance rules while documenting all customer interactions and promised payments in the collections platform.
• Perform account analysis and skip-trace research using industry tools to locate debtors and update contact information.
• Manage disputes and escalationsinvestigate account discrepancies coordinate with quality teams and update account status per client SLAs.
• Meet individual and team collection targets while maintaining high call quality accurate data entry and timely follow-up activity.
• Collaborate with supervisors on payment-arrangement plans account remediation strategies and process improvements to increase recovery rates.

Skills & Qualifications

Must-Have

• Prior experience in US consumer debt collections (BPO or in-house) with demonstrated recovery results.
• Working knowledge of FDCPA and TCPA regulations and demonstrable compliance-focused behavior.
• Practical experience with skip-tracing tools such as Accurint or TLOxp and collections platforms (e.g. FICO Debt Manager).
• Familiarity with predictive/progressive dialer systems (Five9 Avaya) and ACD workflows.
• Strong conversational English with clear US-accent comprehension and professional phone etiquette.
• On-site availability in India and ability to work US-shift schedules as required.

Preferred

• Experience with credit reporting processes and FCRA fundamentals.
• Previous exposure to high-volume BPO collections campaigns and KPI-driven environments.
• Spanish language skills for bilingual collections engagement.

Benefits & Culture Highlights

• Structured training and compliance coaching with clear career progression into senior collections or quality roles.
• Performance-based incentives and monthly productivity bonuses tied to collection metrics.
• Collaborative metrics-driven on-site environment focused on employee well-being and continuous improvement.

Role Title (standardized): US Debt Collections Specialist

To apply please be prepared to demonstrate prior US collections experience knowledge of FDCPA/TCPA requirements and familiarity with industry platforms during the screening process.

Required Skills:

consumer debttcpapaymentscreditcomplianceaccurint