Auto Loans Collections Specialist

Upgrade is a fintech company that provides affordable and responsible financial products. Since 2017, it has helped over 7.5 million customers access over $42 billion in consumer credit. The company is backed by prominent technology investors and was most recently valued at $7.3B. It has been recognized as one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, and other awards.

As an Auto Collections Specialist, you will manage and resolve mid-stage delinquent auto loan accounts that are 60–89 days past due. This role focuses on curing delinquency, preventing charge-off and repossession, and maintaining compliance with federal, state, and company regulations. It requires strong negotiation skills, critical thinking, urgency, and the ability to build rapport while driving results in a fast-paced, performance-driven environment.

• Manage a daily queue of auto loan accounts that are 60–89 days past due.
• Contact customers via outbound and inbound calls to resolve delinquency.
• Negotiate payment arrangements, settlements, and reinstatement options.
• Identify root causes of delinquency and recommend appropriate loss-mitigation solutions.
• Educate customers on account status, contract terms, and available resolution options.
• Drive timely payments and account cures to reduce delinquency and prevent repossession.
• Accurately document all account activity, call notes, and customer commitments.
• Maintain full compliance with FDCPA, CFPB, state regulations, and company policies.
• Meet or exceed daily, weekly, and monthly performance goals (RPC, PTP, dollars collected, cure rate, etc.).
• Escalate high-risk or complex accounts appropriately (hardship, fraud indicators, disputes, complaints, etc.).
• Partner with servicing, titles, insurance, and repossession teams as needed.

• 1+ years of collections experience (auto finance preferred).
• Experience working delinquent accounts in the 60+ DPD range.
• Strong negotiation and customer communication skills.
• Ability to handle difficult conversations professionally and confidently.
• Working knowledge of FDCPA and consumer protection regulations.
• Strong time management and organizational skills.
• Ability to thrive in a fast-paced, metrics-driven environment.
• Proficiency with CRM and collection systems.

• Auto finance or secured lending collections experience.
• Experience with repossession prevention and reinstatement.
• Familiarity with skip tracing and advanced contact strategies.

Starting pay is $22.00 per hour. Benefits include paid time off (PTO), 401K matching, medical, dental and vision insurance with employer paid options, paid parking or platinum pass, new hire training program, wellness incentive program, and a stocked kitchen.

Work is performed indoors in a fast-paced environment. The role is onsite in Downtown Phoenix, as indicated by the #LI-Onsite marker. Onsite work environments may include shared workspaces, standard office lighting, and moderate background noise. The role requires the ability to manage multiple priorities and meet established workflows.

Apply through the provided Greenhouse link.