Collections Specialist MCA Secaucus NJ

About the job

Is This You?

If you know how to collect money from merchants without burning bridges, are firm but friendly, persistent but professional, then this high-earning collections role is for you.

About The Company

The company is a Secaucus, NJ-based direct MCA funder providing fast capital to small businesses nationwide. As they scale, they need an experienced Collections Specialist who understands MCA repayment structures, knows how to work with merchants in default, and can recover capital while preserving relationships when possible.

Role Overview

As a Collections Specialist, you'll manage delinquent accounts, contact merchants who've missed payments, negotiate repayment plans, and recover outstanding balances. This isn't a call center job. You'll handle high-value accounts, work directly with business owners, and use a mix of persistence, empathy, and strategy to bring deals current or recover losses.

Responsibilities

Manage Delinquent Accounts : Monitor daily ACH pulls, identify merchants in default, and prioritize collection efforts.

Contact Merchants Directly : Call, email, and text business owners to address missed payments and understand their situation.

Negotiate Repayment Plans : Work with merchants to restructure payment schedules, adjust holdback percentages, or find solutions that get deals back on track.

Be Firm but Fair : Push for payment without being abusive. Know when to be aggressive and when to be empathetic.

Document Everything : Track all collection activity, conversations, and outcomes in the CRM.

Escalate When Needed : Coordinate with legal or third-party collections when internal efforts fail.

Protect Relationships : Balance recovery goals with long-term merchant relationships for potential future business.

Handle High-Value Accounts : Manage collections on deals ranging from $10k to $500k+.

Qualifications

MCA collections experience required (2+ years preferred)

Merchant relationship skills : You've dealt with small business owners, know their challenges, and can read their situations

Aggressive but friendly : Can be tough when needed but don't burn bridges unnecessarily

High recovery rate : Proven track record of bringing delinquent accounts current or recovering capital

Thick skin : Handle pushback, excuses, and difficult conversations without taking it personally

Negotiation skills : Know when to offer payment plans vs when to demand full repayment

CRM proficiency : Comfortable with collection software and documenting activity

Local to Secaucus/North NJ/ NYC area : In-office position

Compensation

Base salary: $100,000 - $200,000 depending on experience

Location

Secaucus, NJ (In-office, full-time)