Late Stage Recovery Specialist
Fundbox
Texas, USA
The Late Stage Recovery Specialist is responsible for managing high-risk, late-stage delinquent accounts that are approaching charge-off or have demonstrated elevated complexity. This role focuses on maximizing recoveries through strategic negotiation, structured payment solutions, and precise account management.
Unlike front-end or mid-stage collectors, this position requires a higher level of autonomy, negotiation expertise, financial analysis, and organizational discipline. The Late Stage Recovery Specialist works on complex accounts that often require creative repayment structures, escalated customer communication, and cross-functional coordination.
4+ years of commercial or business collections experience, with demonstrated performance managing accounts through multiple delinquency stages including charge-off.
Strong working knowledge of commercial collections concepts including delinquency management, settlement negotiations, hardship/modification plans, and post-charge-off recovery strategies.
Proficiency with CRM for account management, activity logging, case management, and pipeline reporting.
Demonstrated experience managing late-stage or high-risk delinquent accounts.
Demonstrated ability to meet or exceed individual KPIs in a metrics-driven collections environment (RPCs, PTPs, cure rates, settlement rates, etc).
Proven skip tracing techniques to locate unresponsive or hard-to-reach customers, including reverse phone lookups, address verification services, social media research, and third-party skip trace platforms.
Experience working within defined approval thresholds and escalation frameworks.
Strong understanding of regulatory compliance in collections practices.
Serve as a Subject Matter Expert (SME) on Fundbox collections processes, systems logic, and customer delinquency lifecycle
Lead complex and high-risk customer escalations, providing thoughtful resolution strategies that balance customer experience, compliance, and risk mitigation
Approach customers with tailored repayment solutions on delinquent payments, including complex or sensitive cases
Manage and prioritize an assigned portfolio of customers requiring ongoing follow-up through calls and email correspondence, ensuring timely outreach, thorough case management, and consistent resolution progress.
Maintain and exceed individual performance metrics while setting a performance standard for the team
Partner with leadership to identify process gaps and drive continuous improvement initiatives
Participate in cross-functional projects by supporting testing, validating new workflows, and providing detailed feedback on proposed process, policy, or system changes
Act as a resource and mentor for team members, sharing best practices and elevating team knowledge