Concordis a leading loan-servicing company with more than three decades of experience delivering high-quality solutions for originators, lenders, and capital providers across consumer and commercial markets.Our MissionWe exist to deliver exceptional servicing outcomes for our clients and borrowers by combining deep domain expertise, robust technology platforms, and a steadfast focus on compliance, risk management, and client service.
With this expanded platform, we aim to be the go-to partner across the credit lifecycle for both consumer-finance and commercial/lease portfolios.About RoleThe Auto Collections Account Representative is responsible for managing delinquent auto loan accounts—from initial contact through repossession.
This role combines inbound and outbound calling with strategic account management, requiring strong negotiation skills, regulatory knowledge, and the ability to balance customer service with firm collection objectives.
Account Representatives work accounts from prepayment contact phase through pre-legal status, making business decisions that directly impact recovery rates and company profitability.Generate and conduct outbound collection calls to delinquent customers; receive and professionally handle inbound customer inquiriesResponsabilitiesVerify and update customer account information, ensuring accuracy in all system recordsConfirm account details with customers and investigate reasons for delinquencyEducate customers on the importance of timely payments and consequences of continued defaultNegotiate and arrange payment plans that satisfy company objectives while remaining compliant with regulationsProcess payments accurately and document all transactions and customer interactions in the systemMake sound business decisions quickly regarding account action (payment arrangement, settlement, referral for legal action)Document comprehensive call notes, account actions,



and collection strategies to support account continuityMaintain and exceed quantitative collection goals (recovery amounts, accounts closed, collection rates) while upholding quality standardsPerform skip tracing on accounts using assigned tools to locate customers and verify contact informationIdentify and refer non-compliant and potentially uncollectible accounts for repossession or litigationPrepare account files for legal action in accordance with corporate policies, including documentation of collection efforts and FDCPA complianceReconcile payment misapplications, investigate disputes, and resolve discrepanciesMaintain professional demeanor when handling irate or hostile customers, successfully defusing tension while remaining firm on collection objectivesComply with all FDCPA regulations and applicable state collection laws in all customer communications and account actionsRequirementsMinimum 2 years of relevant collections experience, preferably in auto lending/auto collections· High school diploma or equivalent (GED)· Thorough understanding of the Fair Debt Collection Practices Act (FDCPA) and applicable state collection laws· Proven ability to work independently and collaboratively within a team environment· Strong negotiation and objection-handling skills with proven track record of closing accounts and securing commitments· Exceptional communication skills across all customer service levels (customers, peers, management)· Demonstrated ability to make sound business decisions quickly and effectively under pressure· Ability to handle difficult customer interactions with professionalism and emotional control· Strong detail orientation and follow-up diligence; ability to track multiple accounts simultaneously· Basic skip tracing skills and familiarity with skip trace databases and tools· Reliability and strong work ethic; willingness to work evenings and weekends as needed· Proficiency with computer systems, databases, and phone systems· Ability to meet and exceed quantitative and qualitativBenefitsFood VouchersInternet BonusMedical InsuranceLife InsuranceDental Insurance

📌 Auto Collections Account Representative (Xico)
🏢 Concord Servicing
📍 Xico