Sample debt collector job description

[Company X] is searching for a reliable and qualified debt collector who will report to the collections management team. Also known as collection specialists, debt collectors are responsible for identifying and tracking outstanding customer debt. As part of our collections team, the debt collector will be responsible for contacting debtors, organizing payment plans, maintaining paper trails, and planning courses of action to recover outstanding debts. Candidates for this position should have exceptional organizational and communication skills, along with great interpersonal abilities.

Objectives of this role

  • Identify, track, manage, and investigate delinquent customer accounts
  • Work closely with customers to negotiate payment arrangements
  • Cultivate working relationships with customers, guiding them through the repayment process
  • Follow up with customers to ensure payments are made in a timely manner
  • Use databases to monitor and update outstanding accounts
  • Keep records of all customer communications to build individual debtor cases


  • Identify customers with outstanding debts
  • Contact and track debtors, encouraging timely repayment
  • Handle customer questions, complaints, and inquiries
  • Create and implement debt collection courses of action
  • Negotiate specific payment plan arrangements with debtors
  • Investigate discrepancies to resolve outstanding customer accounts

Skills and qualifications

  • Outstanding interpersonal skills
  • Strong organizational skills
  • Clear, persuasive verbal and written communication
  • Excellent negotiation skills
  • Problem-solving mindset
  • Professional phone etiquette

Preferred qualifications

  • Customer service experience
  • Knowledge of debt collection legal requirements
  • Strong time-management skills
  • Database management skills
  • Experience working in a deadline-driven environment
  • Account management experience