MCA Collections Specialist

We are looking for an experienced MCA Collections Specialist to join our team. The ideal candidate has hands-on experience collecting on Merchant Cash Advances (MCAs) and understands how to work with merchants who have fallen behind or stopped making payments.

This is a high-activity collections position requiring strong communication skills, persistence, and a solid understanding of MCA collections and UCC filings.

Responsibilities

• Contact merchants by phone, SMS, and email regarding delinquent MCA payments
• Make high-volume cold calls to merchants who have stopped or fallen behind on payments
• Work directly with merchants to understand their situation and negotiate payment arrangements to bring accounts current
• Follow up consistently with merchants who make promises to pay
• Understand and work with UCC filings and the collections process
• Send appropriate UCC-related notices and communications in accordance with company procedures and applicable law
• Locate and communicate with merchants who are difficult to reach
• Negotiate settlements, repayment plans, and payment reinstatement arrangements within company guidelines
• Maintain detailed records of merchant communications, payment commitments, and account activity
• Work closely with management and legal/operations teams on escalated accounts
• Identify merchants who can be successfully brought back onto regular payments and prioritize accounts accordingly

Requirements

• 1+ years of MCA collections experience preferred
• To Apply: Please submit your resume and a brief description of your MCA collections experience, including the types of accounts you have handled and your experience getting merchants back onto payments
• Must have a strong understanding of Merchant Cash Advances, UCC filings, defaults, and payment collections
• Proven experience cold calling merchants and successfully getting delinquent accounts back on payment
• Strong negotiation and objection-handling skills
• Comfortable making a high volume of calls every day
• Experience communicating through phone, SMS, and email
• Persistent, confident, and professional when dealing with difficult merchants
• Ability to work independently and manage a large portfolio of accounts
• Strong organizational and follow-up skills
• Experience with a CRM, dialer, or collections management system is a plus

Benefits Competitive base salary + performance-based bonuses/commissions.