Bank Loan Processor

Merchant Cash Advance Customer Service & Recoveries Specialist (Remote)
Are you someone who goes above and beyond to help resolve complex issues while also driving results? Do you have experience in the Merchant Cash Advance (MCA) or financial services industry and strong negotiation skills when working with delinquent accounts? If so, we’d love to meet you.
We are seeking a

Recoveries Specialist

who is highly organized, detail-oriented, and skilled at working with merchants to resolve payment issues and recover outstanding balances. This role requires someone who can balance strong customer service with a results-driven approach to collections and recoveries.
This position is 100% remote

.
Experience
1–4+ years of experience in financial services, MCA, lending, collections, or a related industry preferred.
Primary Focus:
Recovery optimization, minimizing portfolio risk, and reducing operational rework through proactive account management.
Portfolio & Recovery Management
Independently manage a high-volume portfolio of merchant accounts.
Proactively identify and resolve

under-remittance and delinquency issues

.

Drive recoveries by negotiating

same-day payments, payment arrangements, or alternative repayment plans

.
Investigate merchant financials and asset information using

bank statements and publicly available data
Review and negotiate payment modifications to

avoid escalation or legal action when possible

.
Escalate accounts appropriately when recovery options have been exhausted.
Identify account trends and operational risks and communicate findings to management.
Collections & Negotiation
Perform

soft to mid-stage collections

while maintaining a professional and solutions-oriented approach.
Negotiate repayment solutions with merchants experiencing financial hardship.
Work strategically to

maximize recoveries and reduce outstanding balances

.
Maintain detailed and accurate documentation of all account activity and merchant communication.
Customer Service
Provide top-tier support to merchants through

calls, emails, and chats

.
Answer inbound customer inquiries and provide timely solutions.
Make outbound calls to resolve payment issues and follow up on delinquent accounts.
Resolve merchant concerns efficiently while protecting company financial interests.
Maintain professionalism and empathy when working with difficult or distressed merchants.
Operational Responsibilities
Document all communications in the appropriate systems and deal files.
Navigate multiple systems and screens simultaneously while speaking with merchants.
Respond to internal chats and communications in a timely manner.
Collaborate with internal teams to resolve account issues.
Qualifications
~1–4+ years of experience in

MCA, lending, collections, or financial services

preferred
~ Strong

negotiation and recovery skills
~ Ability to manage a

high-volume account portfolio
~ Strong work ethic and self-starter mindset
~ Excellent attention to detail
~ Ability to multitask in a

fast-paced, high-volume environment
~ Strong verbal and written communication skills
~ Comfortable handling difficult conversations while remaining professional
~ Customer service and collections experience preferred
~ Typing speed of 30+ WPM with 90% accuracy
~ Bilingual

Spanish and English

preferred

Technical Skills
Excel Requirements
VLOOKUP / XLOOKUP
IF statements and nested formulas
COUNTIFS and SUMIFS
Pivot Tables
Data analysis for portfolio tracking and recovery performance