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About the Role
We are seeking an experienced MCA Collections Specialist with a strong understanding of collecting on Merchant Cash Advances and working with delinquent merchants. This high-activity role requires excellent communication, persistence, and knowledge of MCA collections and UCC filings.
Responsibilities
- Contact merchants via phone, SMS, and email regarding delinquent MCA payments.
- Make high-volume cold calls to merchants who have stopped or fallen behind on payments.
- Understand merchant situations and negotiate payment arrangements to bring accounts current.
- Consistently follow up with merchants who make payment promises.
- Work with UCC filings and the collections process.
- Send appropriate UCC-related notices and communications.
- Locate and communicate with hard-to-reach merchants.
- Negotiate settlements, repayment plans, and payment reinstatement arrangements.
- Maintain detailed records of merchant communications, payment commitments, and account activity.
- Collaborate with management and legal/operations teams on escalated accounts.
- Identify and prioritize merchants who can be brought back onto regular payments.
Requirements
- 1+ years of MCA collections experience preferred.
- Strong understanding of Merchant Cash Advances, UCC filings, defaults, and payment collections.
- Proven experience cold calling merchants and successfully getting delinquent accounts back on payment.
- Strong negotiation and objection-handling skills.
- Comfortable making a high volume of calls daily.
- Experience communicating through phone, SMS, and email.
- Persistent, confident, and professional when dealing with difficult merchants.
- Ability to work independently and manage a large portfolio of accounts.
- Strong organizational and follow-up skills.
Skills
- MCA collections
- UCC filings
- Cold calling
- Negotiation
- Objection handling
- Communication (phone, SMS, email)
- Organization
- Follow-up
- CRM systems
- Dialer systems
- Collections management systems
Experience Level
- 1+ years of MCA collections experience preferred
Salary/Compensations
- Competitive base salary + performance-based bonuses/commissions.
- Compensation based on experience and collections performance.