Senior Collector - Charge Off (Remote/Monthly Bonus)

At Exeter Finance, we are committed to helping customers find the right financing for their next vehicle purchase. By building strong relationships with our customers and network of dealer partners we are able to give options that make sense, getting customers behind the wheel of their car. Every team member is integral to our success. Whether you’re at a servicing center helping customers with their loans, in the field building relationships with dealers, or supporting the company from its corporate offices, you'll enjoy a nurturing, invigorating and positive work environment. Our vision is to be a premier finance company and lender of choice known for its People, Performance and Service. Job Description Job Summary: Manage a portfolio of accounts that are 81+ days delinquent, utilizing advanced collection strategies to resolve overdue payments. Use advanced knowledge of debt recovery, customer negotiation, and conflict resolution to handle complex accounts, including high-value or high-risk cases. Job Duties: Manage and analyze a portfolio of high-risk delinquent accounts by developing the most suitable collection strategies, proactively identifying high-risk accounts to avoid further delinquency. Negotiate payment arrangements with customers, such as settlements, payment plans, and other resolutions. Maintain accurate records of all customer interactions, payment arrangements, disputes, and resolutions, and ensure timely reporting of account statuses, collection efforts, and risks to management. Resolve complex disputes, payment issues, or escalations from junior collectors, and provide feedback, training, and support to improve team performance and maintain customer satisfaction. Meet or exceed department goals related to recovery rates, resolution times, and account management targets by continuously reviewing and refining collection approaches based on industry trends and regulatory changes. Collaborate with internal teams to address customer issues, resolve escalated cases, and support broader department objectives; escalate unresolved or particularly challenging cases for further action as needed. Ensure compliance with all legal and company guidelines, including adherence to the Fair Debt Collection Practices Act (FDCPA) and relevant regulations. Education and Work Experience: Education: High school diploma or equivalent, degree preferred Work Experience: 2+ years in auto finance operations (2+ specialty groups required for specialty teams) Extensive experience in collections or debt recovery, with a demonstrated ability to manage complex or high-risk accounts. Advanced negotiation skills and the ability to reach favorable outcomes while maintaining positive customer relationships. Deep understanding of collections practices, legal regulations, and industry standards related to debt recovery. Strong communication skills, both verbal and written, with the ability to handle difficult customer interactions with professionalism and tact. Leadership and mentoring abilities, with experience guiding and training junior team members. Excellent organizational skills, with the ability to manage a large and diverse portfolio of accounts. Proficiency with collection software, CRM systems, and office productivity tools. Strong problem-solving skills, with the ability to analyze situations and develop effective strategies for collection. Ability to work independently and as part of a team, achieving individual and department-wide goals. High attention to detail and the ability to accurately document and track account status and customer interactions. Ability to maintain composure in high-pressure situations and navigate customer disputes or challenges effectively. #LI-Remote Individual compensation packages are based on various factors unique to each candidate including skill set, experience, qualifications and other job-related reasons. The pay range for this role is $22.90 - $29.00 hourly. Exeter Finance LLC is an Equal Opportunity Employer.