Auto Collections Specialist - Bilingual in Spanish

Confirmed live in the last 24 hours

Upgrade

Phoenix

On-site

Posted March 31, 2026

Job Description

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B.

We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.

We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.

About the Role:

As an Auto Collections Specialist you will be responsible for managing and resolving mid-stage delinquent auto loan accounts that are for 60–89 days past due; through effective customer engagement, negotiation, and loss-mitigation strategies. This role focuses on curing delinquency, preventing charge-off and repossession, and maintaining strong compliance with all federal, state, and company regulations. Requires strong negotiation skills, critical thinking, urgency, and the ability to build rapport while driving results in a fast-paced, performance-driven environment.

What You'll Do:

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.