Senior Collections and Debt Recovery Specialist

Overview

This is a 100% remote collections and debt recovery role focused on managing fellows with active payment obligations under existing contracts. The position involves working with a regional portfolio, primarily in Argentina (approximately 70%), with the remainder in Mexico, Colombia, Chile, and other LATAM countries.

Responsibilities

• Manage a portfolio of fellows with active payment obligations, outstanding balances, and unfulfilled payment agreements.
• Review contracts, case histories, employment information, and contact records to prepare for each interaction.
• Contact fellows by phone, email, WhatsApp, and other channels, following contact and confidentiality policies.
• Design and execute follow-up sequences to reach individuals who are unresponsive or have stopped communicating.
• Handle conversations where fellows raise objections, are unaware of their payment obligations, or state they will not fulfill them.
• Clearly explain applicable clauses, payment-triggering conditions, amounts, and due dates using guidelines and materials validated by the legal team.
• Negotiate payment commitments and plans within authorized limits, escalating discounts, exceptions, or changes for approval.
• Follow up on agreements until payments are received and correctly recorded.
• Document collection activities, responses, objections, commitments, proof of payment, and next steps in the CRM.
• Coordinate with Finance, Operations, the fellow support team, and legal counsel to resolve cases.
• Prepare complete case files for matters requiring legal review or escalation.

Requirements

• At least 3 years of experience in collections, debt recovery, or payment negotiation, including direct involvement in cases with significant resistance to payment.
• Experience managing portfolios of individual customers in Argentina and other LATAM countries, with knowledge of local communication and negotiation practices.
• Proven results in payment recovery, achieving targets, and following up on payment agreements.
• Experience reviewing contracts and clearly explaining obligations, payment terms, and relevant clauses.
• Ability to handle objections, de-escalate conflicts, and conduct difficult conversations professionally.
• Excellent written and verbal communication skills in Spanish.
• Proficiency with CRM systems, Excel or Google Sheets, and digital communication tools.
• Strong organizational skills and the ability to manage a portfolio independently in a remote setting.
• Sound judgment to recognize when a case requires legal review and avoid making commitments outside authorized terms.
• Availability to coordinate outreach across time zones in Argentina and other LATAM countries.

Preferred Qualifications

• Experience in fintech, personal lending, education financing, edtech, bootcamps, subscriptions, or services with deferred payment arrangements.
• Experience with payment models linked to employment or income increases.
• Experience working with law firms or legal teams.
• Education in Law, Business Administration, Accounting, Finance, or a related field.

Compensation & Benefits

• Fully remote work.
• Opportunity to contribute to improving the collections and debt recovery process.

Location

• 100% remote.
• Portfolio coverage is primarily Argentina (approximately 70%), with additional fellows in Mexico, Colombia, Chile, and other LATAM countries.

How Success Will Be Measured

• Amount recovered against the assigned target.
• Recovery rate across the portfolio available for collection.
• Percentage of fellows successfully reached.
• Time to recovery and changes in overdue balances.

First 90 Days

• Develop a strong understanding of contracts, payment-triggering criteria, and collection procedures.
• Establish a follow-up strategy for each type of case.
• Maintain complete records of collection activities and agreements.
• Demonstrate recovery results against defined targets.
• Identify common objections and propose concrete process improvements.