OverviewThe Debt Resolution Negotiator is responsible for negotiating with creditors on behalf of enrolled clients to reduce outstanding balances and achieve favorable settlement terms. This role requires a strong analytical mindset, persuasive communication, and the ability to manage a high-volume portfolio of accounts. Negotiators serve as the primary point of contact between our company and creditor representatives, driving outcomes that create real financial relief for clients.
The ideal candidate thrives in a fast-paced, performance-based environment, possesses exceptional people skills, and is motivated by meaningful work that directly impacts clients' financial well-being.
Responsibilities- Contact and negotiate directly with creditors and collection agencies to reach debt settlement agreements on behalf of clients.
- Analyze client financial profiles, account balances, and creditor history to develop effective negotiation strategies.
- Develop and maintain strong relationships with unsecured lenders, credit card companies, and third-party creditors (including collection agencies and attorneys) to drive efficient and favorable settlement outcomes.
- Maintain detailed records of all negotiations, settlements, and communications in SalesForce.
- Consistently achieve or exceed monthly KPIs, with a focus on settlement units and revenue generation by prioritizing and closing higher-balance accounts in a fast-paced, high-volume environment.
- Conduct all negotiations in full compliance with the Fair Debt Collection Practices Act (FDCPA) and internal company policies.
QualificationsRequired Skills & Competencies
- Negotiation or Sales Skills
- Navigate discussions with creditors and clients to find mutually workable outcomes
- Communication skills and Active Listening
- Articulate settlement proposals and convey information to clients, creditors, and internal team members with clarity and precision
- Carefully assess what lenders communicate and identify opportunities and constraints during negotiations
- Analytical Thinking
- Interpret and understand financial data, evaluate hardship situations, determine realistic and strategic settlement offers
- Strong Attention to Detail
- To ensure accuracy when reviewing balances, creditor or lender terms, settlement offers, and updating account notes or payment arrangements.
- Emotional Intelligence/Patience and Persistence
- Maintaining professionalism and staying composed, reading tone of negotiation, adjusting communication style as necessary
- Time Management and Organization
- Ability to work independently and in collaboration with others
- Bachelor's degree
- OR equivalent combination of education and relevant professional experience
- Strong analytical and financial acumen
- Comfortable reviewing account statements, calculating settlement percentages, and evaluating offers
- Ability to manage a large portfolio of accounts and work efficiently under deadlines
- Proficiency with MS Office (Excel, Word, Outlook)
Compensation & Benefits
- Base Salary plus Commission
- Annual Salary plus performance-based bonus and incentive structure tied to settlement outcomes
- Average Annual Earnings: $75,000 - $100,000 (earning potential may vary and can be below or exceed this range)
- Comprehensive Benefits package: Medical, Life, Vision, Dental, HSA, FSA, etc.
- 401(k) plan plus employer match
- Paid Time Off (PTO)
- Paid Holidays
