Upgrade, Inc. · 22 hours ago
Auto Late Stage Collections Specialist I
Phoenix, AZ
Full-time
Onsite
Entry Level
1+ years expUpgrade, Inc. is a financial technology company focused on improving customers' financial well-being through affordable financial products. As an Auto Late Stage Collections Specialist I, you will manage mid-stage delinquent auto loan accounts, engaging with customers to resolve delinquency and prevent charge-offs while ensuring compliance with regulations.
BankingCreditFinancial ServicesFinTechMobile
Responsibilities
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
Qualification
Required
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
Preferred
Auto finance or secured lending collections experience
Experience with repossession prevention and reinstatement
Bilingual (Spanish) a plus
Familiarity with skip tracing and advanced contact strategies
Benefits
Paid time off (PTO)
401K matching
Comprehensive benefits package: Medical, dental, vision, life insurance & disability
Paid parking or platinum pass
New Hire Training Program
Wellness Incentive Program
Kitchen fully stocked with snacks and beverages
Company
Upgrade, Inc.
Upgrade helps customers move in the right direction with affordable and responsible financial products.
1001-5000 employees
H1B Sponsorship
Upgrade, Inc. has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (52)
2024 (34)
2023 (31)
2022 (25)
2021 (22)
2020 (11)
Funding
Current Stage
Late StageTotal Funding
$752MKey Investors
Neuberger BermanKoch Disruptive TechnologiesMouro Capital
2025-10-16Series G· $165M
2021-11-16Series F· $280M
2021-08-11Series E· $105M
Leadership Team
Renaud Laplanche
Co-founder & CEO
Adelina Grozdanova
Co-Founder, Head of Investor Group
Recent News
Daily Star Egypt
2025-12-04
2025-12-03
2025-10-31
Company data provided by crunchbase