# Collections Specialist

> High Rise Capital · New York, United States · — · Posted 2025-12-23

**Workplace:** on_site

## Description

We are seeking a motivated and experienced **Collections Specialist** to help **get deals back on track, reduce defaults, and protect portfolio performance**. This role is critical to maintaining healthy cash flow and minimizing losses.

You will work directly with merchants to **resolve payment issues**, **restructure payment plans when appropriate**, and **cure accounts before they become full defaults**.

This is a **performance-driven role** with real upside for someone who knows how to communicate, negotiate, and close.

### **Key Responsibilities**

-   Contact merchants with missed or failing payments
-   Work accounts back into **good standing**
-   Negotiate payment resolutions, workout plans, and reinstatements
-   Monitor accounts to prevent future payment failures
-   Identify early warning signs of default and act proactively
-   Maintain detailed notes and updates in the CRM
-   Coordinate with internal teams (underwriting, legal, management)
-   Track and report on:

-   Cured accounts
-   Recovered balances
-   Default rate trends

-   Follow all compliance and communication guidelines

## Requirements

### **Required Experience & Skills**

-   **2+ years** experience in collections, recoveries, or account resolution
-   Strong negotiation and communication skills
-   Ability to handle difficult conversations professionally
-   Organized, persistent, and results-driven
-   Comfortable working in a fast-paced environment
-   Experience using CRM systems for tracking and documentation

### **Preferred (Nice to Have)**

-   Experience in **MCA, lending, or financial services**
-   Experience with **ACH collections** and payment recovery
-   Understanding of default prevention strategies
-   Experience working with payment processors or banks
-   Bilingual (English/Spanish) a plus

## Benefits

### **Compensation Structure**

-   **Base Salary**
-   **Commission on:**

-   Accounts cured
-   Payments recovered
-   Reduction in default exposure

-   Clear performance metrics and uncapped upside

### **What Success Looks Like**

-   Deals are brought back into good standing
-   Default rates decrease over time
-   Merchants remain active and paying
-   Strong documentation and follow-through
-   Portfolio health improves month over month

### **Why Join Us**

-   High-impact role tied directly to company performance
-   Clear commission structure with real earning potential
-   Growing financial services company
-   Opportunity to advance into senior collections or portfolio management
-   Supportive, results-driven team environment

## Apply

[Apply at High Rise Capital](https://apply.workable.com/high-rise-capital/j/8B848AD1B2/apply)

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