MCA Collections Specialist

Job description

We are looking for an experienced  MCA Collections Specialist  to join our team. The ideal candidate has hands-on experience collecting on  Merchant Cash Advances (MCAs)  and understands how to work with merchants who have fallen behind or stopped making payments.

This is a  high-activity collections position  requiring strong communication skills, persistence, and a solid understanding of MCA collections and UCC filings.

Responsibilities - Contact merchants by  phone, SMS, and email  regarding delinquent MCA payments. - Make high-volume  cold calls  to merchants who have stopped or fallen behind on payments. - Work directly with merchants to understand their situation and negotiate  payment arrangements  to bring accounts current. - Follow up consistently with merchants who make promises to pay. - Understand and work with  UCC filings  and the collections process. - Send appropriate  UCC-related notices and communications  in accordance with company procedures and applicable law. - Locate and communicate with merchants who are difficult to reach. - Negotiate settlements, repayment plans, and payment reinstatement arrangements within company guidelines. - Maintain detailed records of merchant communications, payment commitments, and account activity. - Work closely with management and legal/operations teams on escalated accounts. - Identify merchants who can be successfully brought  back onto regular payments  and prioritize accounts accordingly.

Requirements - 1+ years of MCA collections experience preferred. - To Apply: Please submit your resume and a brief description of your  MCA collections experience , including the types of accounts you have handled and your experience getting merchants back onto payments. - Must have a 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 every day. - 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. - Experience with a CRM, dialer, or collections management system is a plus.

Benefits

Competitive base salary + performance-based bonuses/commissions.

Compensation will be based on experience and collections performance.