Collections Specialist

Reports To: Director of Customer Operations

Location: West Des Moines, Iowa

FLSA Status: Exempt


This position is responsible for all aspects of collections, resolving customer billing problems and reducing delinquency.

Fully remote or hybrid schedule may be considered for the right candidate! The home office is located in West Des Moines, IA.

Hourly rate = Starting at $22 hourly + up to 7.5% monthly incentive pay after first 90 days.

Bilingual in Spanish and English is a PLUS!


  • Respond to customer inquiries.
  • Handle collection accounts with speed and accuracy while maintaining professionalism
  • Complete collection phone calls to meet required performance standards
  • Meet and strive to exceed prescribed performance metrics
  • Confirm and / or negotiate payment arrangements
  • Research any customer account discrepancies
  • Maintain established objectives for delinquency, repossessions, and net losses.
  • Stay informed of any changes to policies and procedures
  • Must maintain strict confidentiality
  • Willing to work flexible schedules, weekends, and holidays as necessary in order to meet business needs
  • Escalate more complex or difficult issues to their Team Leader
  • Ability to make recommendations to Team Leader on unique collection cases


  • Associate or Bachelor’s degree in a related or comparable field preferred. An equivalent combination of education and experience may be considered
  • A minimum of 2 years’ experience in a collections position


  • Knowledge and experience in Collections with reference to legal restrictions
  • Knowledge of the credit and financial industry
  • Good communication skills – both written and verbal
  • Superior time management and organizational skills
  • Critical thinking, ability to make sound decisions, good negotiation skills, problem solver


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    What does the hiring process look like after submitting a resume?

    1. If you see a position that you feel aligns with your skillset, apply! Our HR team will review your resume and determine if your background is what we are looking for. Talented candidates will be contacted to do a phone screen.
    2. Candidates that are selected will be asked to do an in-person or virtual interview with the hiring manager. A second interview with additional managers or members of the executive team may be necessary depending on the position.
    3. The hiring manager will then select a candidate to receive an offer for the position!
    4. Once an offer letter has been signed, all positions will be asked to complete a background and credit check to be completed prior to hire.
    5. It’s time to start your new position at Watercress!