Auto Collections Specialist I

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B.

We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.

We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.

About the Role:

As an Auto Collections Specialist you will be responsible for managing and resolving mid-stage delinquent auto loan accounts that are for 60–89 days past due; through effective customer engagement, negotiation, and loss-mitigation strategies. This role focuses on curing delinquency, preventing charge-off and repossession, and maintaining strong compliance with all federal, state, and company regulations. Requires strong negotiation skills, critical thinking, urgency, and the ability to build rapport while driving results in a fast-paced, performance-driven environment.

What You'll Do:

• Manage a daily queue of auto loan accounts that are 60–89 days past due.

• Contact customers via outbound and inbound calls to resolve delinquency.

• Negotiate payment arrangements, settlements, and reinstatement options.

• Identify root causes of delinquency and recommend appropriate loss-mitigation solutions.

• Educate customers on account status, contract terms, and available resolution options.

• Drive timely payments and account cures to reduce delinquency and prevent repossession.

• Accurately document all account activity, call notes, and customer commitments.

• Maintain full compliance with FDCPA, CFPB, state regulations, and company policies.

• Meet or exceed daily, weekly, and monthly performance goals (RPC, PTP, dollars collected, cure rate, etc.).

• Escalate high-risk or complex accounts appropriately (hardship, fraud indicators, disputes, complaints, etc.).

• Partner with servicing, titles, insurance, and repossession teams as needed.

What We Look For:

• 1+ years of collections experience (auto finance preferred)

• Experience working delinquent accounts in the 60+ DPD range

• Strong negotiation and customer communication skills

• Ability to handle difficult conversations professionally and confidently

• Working knowledge of FDCPA and consumer protection regulations

• Strong time management and organizational skills

• Ability to thrive in a fast-paced, metrics-driven environment

• Proficiency with CRM and collection systems

• Bilingual (Spanish) required

Nice to Have:

• Auto finance or secured lending collections experience

• Experience with repossession prevention and reinstatement

• Familiarity with skip tracing and advanced contact strategies

What We Offer You:

• Great open office space

• Paid time off (PTO)

• 401K matching

• Comprehensive benefits package: Medical, dental, vision, life insurance & disability

• Conveniently located in the heart of Downtown Phoenix close to light rail and public transportation

• Paid parking or platinum pass

• New Hire Training Program

• Wellness Incentive Program

• Kitchen fully stocked with snacks and beverages

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We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.