Advanced Recovery Specialist

Fundbox

9d

About The Position

The Advanced Recovery Specialist is responsible for managing high-risk, late-stage delinquent accounts that are approaching charge-off or have demonstrated elevated complexity. This role focuses on maximizing recoveries through strategic negotiation, structured payment solutions, and precise account management.

Unlike front-end or mid-stage collectors, this position requires a higher level of autonomy, negotiation expertise, financial analysis, and organizational discipline. The Advanced Recovery Specialist works on complex accounts that often require creative repayment structures, escalated customer communication, and cross-functional coordination.

Requirements

• 4+ years of commercial or business collections experience, with demonstrated performance managing accounts through multiple delinquency stages including charge-off.
• Strong working knowledge of commercial collections concepts including delinquency management, settlement negotiations, hardship/modification plans, and post-charge-off recovery strategies.
• Proficiency with CRM for account management, activity logging, case management, and pipeline reporting.
• Demonstrated experience managing late-stage or high-risk delinquent accounts.
• Demonstrated ability to meet or exceed individual KPIs in a metrics-driven collections environment (RPCs, PTPs, cure rates, settlement rates, etc).
• Proven skip tracing techniques to locate unresponsive or hard-to-reach customers, including reverse phone lookups, address verification services, social media research, and third-party skip trace platforms.
• Experience working within defined approval thresholds and escalation frameworks.
• Strong understanding of regulatory compliance in collections practices.

Responsibilities

• Serve as a Subject Matter Expert (SME) on Fundbox collections processes, systems logic, and customer delinquency lifecycle
• Lead complex and high-risk customer escalations, providing thoughtful resolution strategies that balance customer experience, compliance, and risk mitigation
• Approach customers with tailored repayment solutions on delinquent payments, including complex or sensitive cases
• Manage and prioritize an assigned portfolio of customers requiring ongoing follow-up through calls and email correspondence, ensuring timely outreach, thorough case management, and consistent resolution progress.
• Maintain and exceed individual performance metrics while setting a performance standard for the team
• Partner with leadership to identify process gaps and drive continuous improvement initiatives
• Participate in cross-functional projects by supporting testing, validating new workflows, and providing detailed feedback on proposed process, policy, or system changes
• Act as a resource and mentor for team members, sharing best practices and elevating team knowledge

Benefits

• Equity in a high-growth organization in the form of RSUs
• Generous PTO, including vacation, sick time, and company holidays
• Premium health coverage starting day one, with multiple plans fully paid by Fundbox
• Monthly Uber Eats credit
• Wellness benefits, including an annual individual wellness budget and access to mental and physical health resources
• Professional development budget to support continued growth
• Home office stipend to help you optimize your remote setup
• 401(k) retirement savings plans, life insurance, and disability coverage

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed