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About the Role

The Sr. Collections Specialist is responsible for managing a portfolio of distressed commercial transportation and business loans, focusing on optimizing recoveries, minimizing losses, and ensuring compliance. This role requires expertise in transportation asset collections, legal escalations, and complex account management, utilizing analytical, investigative, and negotiation skills to recover debts and support organizational goals.

Responsibilities

Manage a portfolio of distressed commercial transportation and small business loans, ensuring proactive recovery strategies and timely resolution of delinquencies.
Supervise assigned accounts to identify unresolved debts, prioritize high-risk exposures, and document all actions in the system of record.
Research and analyze borrower histories, collateral values, payment trends, and prior collection efforts to develop targeted recovery plans.
Conduct detailed analysis of financial statements, collateral documentation, and repayment capacity for restructuring, forbearance, or settlement options.
Manage voluntary surrender process for commercial transportation assets, including coordinating with borrowers, securing equipment, and processing documentation.
Collaborate with Risk Management and Equipment Management teams on high-value litigation, repossession, and bankruptcy cases related to transportation assets.
Communicate with Punjabi-speaking customers to facilitate collections, explain repayment options, and provide culturally responsive service.
Engage directly with clients to resolve disputes, establish urgency, and negotiate repayment or settlement arrangements.
Apply judgment and creativity to develop feasible solutions for borrowers unable to pay in full.
Ensure all negotiations and communications comply with company policy and applicable regulations.
Prepare, analyze, and distribute monthly collection and recovery performance reports for management review.
Maintain call quality and productivity metrics consistent with departmental standards.
Ensure all actions, communications, and case documentation adhere to legal, compliance, and audit requirements.
Partner with the outsourced contact center to strengthen recovery performance, including direct case coaching and real-time support.
Work closely with internal departments—including Legal, Risk Management, Accounting, and Equipment Management—to ensure alignment and effective resolution of complex recovery cases.
Contribute to departmental goals, planning efforts, and process improvement initiatives.
Conduct skip tracing and investigative research when borrowers cannot be located.
Perform administrative duties related to account documentation, correspondence, and office efficiency.
Respond to client account inquiries in a timely, courteous, and professional manner.
Undertake additional responsibilities as assigned by management.

Requirements

Bilingual – Punjabi proficiency required
5-7 years in commercial transportation, finance or leasing
Strong proficiency with skip tracing tools, data based and investigative research methods
Strong negotiation and settlement resolution skills
Excellent analytical and problem-solving abilities
Proven track record of meeting or exceeding recovery targets in commercial financial industry
Ability to work independently with minimal supervision
Strong communication skills, both written and verbal
Proficiency with Microsoft Office

Skills

Punjabi
Skip tracing
Data analysis
Investigative research
Negotiation
Settlement resolution
Analytical skills
Problem-solving
Commercial financial industry
Independent work
Written communication
Verbal communication
Microsoft Office
Excel

Experience Level

5-7 years

Salary/Compensations

$26.06-33.80

Benefits

Competitive salary commensurate with experience
Environment that values work-life balance
Monthly remote work reimbursements
100% company-funded Medical, Dental, Vision, Life & Disability coverage for employees
90% company-funded dependent coverage
Flexible Spending Accounts
Voluntary benefits with payroll deduction for Supplemental Life & AD&D insurance and legal plans
Tax deferred & Roth 403(b) Retirement Plan with employer match
15 paid vacation days
12 paid holidays
1 floating paid holiday
10 Sick days
Paid parental leave

About the Company

Accion Opportunity Fund is an unparalleled financial support system that provides small business owners with access to capital, networks, and coaching.
We work to build inclusive and accessible options for these determined business owners.
For over 30 years we have deployed over $1 billion in over 35,000 loans and served 4 million business owners with educational resources.
Our client base is nearly 90% from underserved communities.
In addition to providing resources and loans to small businesses, we also conduct original research, advocate for policy changes, and finance community construction projects in low-income neighborhoods through our New Markets Tax Credit program.
AOF is on a journey to both scale our impact and become financially sustainable.
We’re building a better system for underserved small businesses and a workplace where passionate problem-solvers, data-driven thinkers, and small business champions thrive.

Equal Opportunity

We are an equal opportunity employer and committed to improving diversity, equity, and inclusion at Accion Opportunity Fund.
AOF does not discriminate in employment on the basis of race, color, religion, sex (including pregnancy and gender identity), national origin, political affiliation, sexual orientation, marital status, disability, genetic information, age, membership in an employee organization, retaliation, parental status, military service, or other non-merit factor.