90-Day Collections Representative
About The Position
As a 90-Day Collector, you ll manage accounts that are over three payments past due and play a key role in reducing delinquency for Westlake Financial. This position requires persistence, attention to detail, and strong skip-tracing and negotiation skills to help customers bring their accounts current and locate collateral when necessary. Westlake Financial is the largest privately held auto finance company in the United States with demonstrated growth year over year. We continue to expand our teams and diversify our business model. This leads to cementing us as a leader in the automotive lending industry. Westlake continues to grow its market share within the Auto Industry with assets in excess of 22B. We have business relationships in all 50 states, including Puerto Rico. We are looking to acquire talented individuals as we expand our market share. Westlake Financial believes in PEOPLE with the PURPOSE and PASSION to assist our more than 22,000 dealer partners throughout North America.
Requirements
- Strong skip-tracing knowledge and ability to locate customers or collateral effectively.
- Excellent communication and negotiation skills with professional phone etiquette.
- Flexible schedule able to work overtime and weekends when needed.
- Proven ability to multitask and stay organized in a fast-paced, high-volume environment.
- Thorough understanding of state and federal collection laws, including the Fair Debt Collection Practices Act (FDCPA).
- Proficient computer and typing skills with familiarity in Microsoft Excel, Outlook, and web-based applications.
- Team-oriented mindset with a positive, dependable attitude.
- 3+ years of backend subprime collections experience required.
- Auto collections experience required.
- High school diploma or equivalent required.
Responsibilities
- Contact customers with accounts more than 90 days past due to discuss payment options and resolve delinquencies.
- Use skip-tracing techniques to locate customers who are difficult to reach and identify collateral locations.
- Negotiate payment solutions tailored to each customer s situation to help bring accounts current.
- Achieve monthly goals while maintaining quality, compliance, and professionalism.
- Collaborate with repossession agents to recover collateral when required.
- Reduce delinquency rates in your assigned queue through consistent follow-up and strategic communication.
- Handle a high volume of calls efficiently in a fast-paced, goal-oriented environment.
Benefits
- Medical, Dental, and Vision benefits
- Life Insurance, Flexible Spending Account
- 401K matching
- Employee Stock Ownership Program in a $14.2 Billion Company, plus company matching
- Wellness Program, Daily Team Exercises
- Westlake University, Certification Programs
- Career Path Opportunities
- Discounts on Parks, Museums, Movie Tickets, and Attractions
- AT&T Wireless Discounts
- Employee Loan Assistance
- Annual Flu Shots, Biometric Screenings
- Paid Vacations Days
- Paid Sick Days
- Paid Holidays
- Rental Car Discounts
- Dell Member Purchase Program
- UKG Wallet
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
