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Collections representative skills for your resume and career

Updated January 8, 2025

3 min read

Quoted expert

Rachel Domnick

Collections representative example skills

Below we've compiled a list of the most critical collections representative skills. We ranked the top skills for collections representatives based on the percentage of resumes they appeared on. For example, 14.2% of collections representative resumes contained payment arrangements as a skill. Continue reading to find out what skills a collections representative needs to be successful in the workplace.

15 collections representative skills for your resume and career

1. Payment Arrangements

Here's how collections representatives use payment arrangements:

Provided assistance to account holders by assessing financial ability, offering payment arrangements or repayment programs, to cure delinquent accounts.
Review and resolve payment/account disputes Setup payment arrangements and collect on delinquent accounts Handle Inbound customer service related calls

2. Customer Service

Customer service is the process of offering assistance to all the current and potential customers -- answering questions, fixing problems, and providing excellent service. The main goal of customer service is to build a strong relationship with the customers so that they keep coming back for more business.

Here's how collections representatives use customer service:

Processed new customer service, service disconnects as well as updated current customer's personal information under company policy and guidelines.
Helped delinquent customers set up payment plans for loans Assisted Canadian Collection Center customers Received incoming customer service calls Made outgoing calls

3. Delinquent Accounts

A delinquent account is an account wherein there are many past-due funds.

Here's how collections representatives use delinquent accounts:

Collect delinquent accounts in a timely, orderly & professional manner while following all standardized collections procedures.
Resolved over 640 delinquent accounts monthly, analyzed equity to determine foreclosure action, ordered loan documents

4. Past Due Accounts

A credit card account in a bank or any other financial association that is past due in payment is called a past due account. Past due account holders are required to recompense their scheduled payments to the bank or their creditor. The more credit account holders are due, the more they are compelled by their lender to make the payment.

Here's how collections representatives use past due accounts:

Administered past due accounts and facilitated required decisions.
Contacted customers with past due accounts, assisted in resolving and researching problems, setting up payment terms in difficult situations.

5. Customer Accounts

Here's how collections representatives use customer accounts:

Organized and tracked subscribers accounts on a daily basis while providing payment alternatives, maintaining customer accounts through effective retention methods.
Maintained customer accounts Address customer billing issues Notated accounts with information concerning calls Responsible for Skip-Tracing for necessary customer contact

6. Debt Repayment

Debt is an amount of money borrowed by one party from another. Repayment is the act of giving back money that was previously borrowed from a lender. Failure to maintain debt repayments may lead to a series of credit issues including forced bankruptcy, heightened charges due to late payments, and negative fluctuations to an individual's credit rating.

Here's how collections representatives use debt repayment:

Analyzed financial data and negotiated debt repayment plans for cardholders while maintaining accurate documentation of cardholders account and repayment schedules.
Handled accounts billable and receivable, recorded billing information, and provided quality customer services for credit/debt repayment.

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7. Debt Collection

Here's how collections representatives use debt collection:

Interacted with customers in difficult situations to effectively negotiate the debt collection.
Maintained Call Monitoring and Federal Debt Collections Privacy Act guidelines.

8. FDCPA

Here's how collections representatives use fdcpa:

Recognized potential problem accounts and utilized collection techniques to resolve accounts according to FDCPA regulations.
Determined account status and executed necessary/legal proceedings in compliance with FDCPA and corporate regulations.

9. Collection Efforts

In general, collection efforts referr to the process of collecting specific objects. The object can be tangible such as clothes, money, any physical product, or intangible such as data and information. However, the term is mostly used to indicate the collection of money or funds.

Here's how collections representatives use collection efforts:

Initiated appropriate action, prepared and maintained accurate and complete documentation to support collection efforts and reported results to management.
Located and monitored overdue accounts using computers recorded and updated information about the financial status of customers and collection efforts.

10. Inbound Calls

Here's how collections representatives use inbound calls:

Performed outbound and received inbound calls on an automated dialing/call distribution system to and from delinquent consumers and businesses.
Provided timely and accurate information on both outbound and inbound calls

11. Outbound Calls

An outbound call is made by the call center representative to the customers on behalf of the company. Such calls help increase sales and generate revenue for the organization.

Here's how collections representatives use outbound calls:

Placed outbound calls to delinquent PayPal customers regarding outstanding payments.
Established payment arrangements for credit card members through Inbound/Outbound calls

12. Outbound Collection Calls

Here's how collections representatives use outbound collection calls:

Performed outbound collection calls to customers regarding their delinquent automobile loan.
Responded to inbound and outbound collection calls on computerized database.

13. Computer System

Here's how collections representatives use computer system:

Logged all work activities in multiple computer systems, accurately reflecting all actions taken and documenting information received from customer.
Received and uploaded any correspondence from insurance companies into patient account on computer system for denial or appeal department.

14. Overdue Accounts

Here's how collections representatives use overdue accounts:

Received numerous accolades from senior management for consistently providing excellent service and tactfully getting customers to pay overdue accounts.
Dialer-Called customers with overdue accounts-Entered account information into the computer-Made payment arrangements-Skip tracing-Trained new employees-Obtained Employee of the Month

15. Process Payments

Here's how collections representatives use process payments:

Provided customers with the necessary documentation and information to process payment of unpaid bills.
Process payment extensions and contract modifications on qualified accounts.

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What skills help Collections Representatives find jobs?

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What hard/technical skills are most important for collections representatives?

Rachel Domnick

Instructor of Professional Practice, MS Program Coordinator, Oklahoma State University

In designing this effort, our master's faculty selected five key competencies from the Korn Ferry Leadership Architect framework to augment the technical skills that are the focus of our program. Those competencies include ensuring accountability, managing ambiguity, collaborating, communicating effectively, and self-awareness. As part of the first course in our master's program, students are introduced to these competencies and guided to understand how they tie into the accounting profession. Students are provided with resources to understand the competencies, and instructors explicitly label activities and assignments with the competencies to which it ties.

Further, at multiple points during their master's experience, each student receives an individualized report containing feedback from master's faculty and their fellow master's students. Students also have the opportunity to understand better the feedback they've received through tailored sessions with a career center staff person trained in the Korn Ferry framework.

Do you want to know more?

List of collections representative skills to add to your resume

The most important skills for a collections representative resume and required skills for a collections representative to have include:

Payment Arrangements
Customer Service
Delinquent Accounts
Past Due Accounts
Customer Accounts
Debt Repayment
Debt Collection
FDCPA
Collection Efforts
Inbound Calls
Outbound Calls
Outbound Collection Calls
Computer System
Overdue Accounts
Process Payments
Past Due Balances

Credit Card Accounts
Customer Inquiries
Negotiation
Credit Card Payments
Medicaid
Collection Agencies
Payment Options
Customer Issues
Insurance Carriers
Background Checks
Due Payments
Medical Bills
Party Collections
Student Loans
Repayment Schedules
Billing Issues

Billing System
State Laws
Customer Complaints
Dialer System
Overdue Payments
Credit Reports
Auto Loans
Legal Action
Address Changes
Default Management
Damage Claims
Credit Contracts
Cash Application
Keep Management
Accurint
Past Due Bills

Updated January 8, 2025

Zippia Team

Editorial Staff

The Zippia Research Team has spent countless hours reviewing resumes, job postings, and government data to determine what goes into getting a job in each phase of life. Professional writers and data scientists comprise the Zippia Research Team.

Updated January 8, 2025

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