Credit Collections Representative POST NUMBER: 309929
Client: Consumer Products Goods
Title: Credit Collections Representative
Rate: $30/hr -$32/hr
Location: Union, NJ
Fully Onsite 4 days onsite after 90 Days
PERM
Role Summary
This role drives cash flow and minimizes bad-debt exposure by actively managing delinquent accounts and securing timely payments across the company’s accounts receivable portfolio. While supporting basic credit risk assessments, this position focuses heavily on high-volume outbound collections, payment negotiation, dispute resolution, and account recovery. The ideal candidate combines assertive, results-oriented negotiation skills with diplomatic customer service and strong financial reconciliation abilities.
Core Responsibilities
- Outbound Collections & Delinquency Recovery: Proactively contact past-due accounts via phone and email to secure immediate payment commitments, track promises-to-pay, and negotiate structured repayment plans on severely delinquent balances.
- Aging & DSO Reduction: Continuously monitor accounts receivable aging reports to enforce payment terms, aggressively prioritizing balances over 30, 60, and 90 days past due to hit monthly cash collection targets and reduce Days Sales Outstanding (DSO).
- Dunning & Third-Party Escalation: Execute automated and manual tiered dunning letter sequences, manage final demand notices, place or release credit holds on delinquent accounts, and compile documentation to refer uncollectible accounts to third-party collection agencies or legal counsel.
- Dispute Resolution & Deduction Management: Identify, track, and resolve short-pays, unauthorized deductions, and billing discrepancies that delay payment by partnering with Sales, Customer Service, and Warehouse Operations to validate claims and clear bottlenecks.
- Account Reconciliation & Cash Application Support: Audit customer ledgers, investigate unapplied cash or payment variances, coordinate with accounting on payment posting and fund reallocations, and process check payments via electronic portals (e.g., TD E-Bill).
- Credit Risk & Account Reviews: Conduct periodic collection-driven credit reviews on high-risk or chronically late customers, recommending credit limit adjustments or COD/prepayment terms when payment behavior deteriorates.
Key Skills & Competencies
- Negotiation & Assertive Communication: Persuasive, persistent, and professional phone and email communication skills to overcome payment objections and de-escalate tense debtor conversations while preserving customer relationships.
- Collections Strategy & Root-Cause Analysis: Ability to prioritize high-dollar or high-risk aging buckets, spot recurring payment delays, and resolve underlying billing or fulfillment roadblocks quickly.
- Reconciliation & Detail Orientation: High accuracy in auditing complex customer statements, tracking promises-to-pay, and maintaining thorough, compliant collection notes in a fast-paced environment.
- Technical Proficiency: Strong Microsoft Excel skills (VLOOKUP, pivot tables, aging analysis) and fluency in ERP/collections modules to manage high-volume account queues.
Qualifications & Requirements
- Education: High School Diploma or equivalent required; Associate’s or Bachelor’s degree in Finance, Accounting, or Business preferred.
- Experience:
- 3–5 years of dedicated B2B credit and collections experience with a proven track record of reducing aging and meeting cash collection KPIs.
- Experience handling high-volume outbound collection calls, payment negotiations, and dispute resolution.
- Systems & Software:
- Proficiency with collections management software and Microsoft Office Suite (especially Excel).
- Hands-on experience with INFOR ERP systems is strongly preferred.
- Familiarity with electronic check processing portals (e.g., TD E-Bill) and customer AP portals.
EEO Notice
Vaco by Highspring is an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race (including but not limited to traits historically associated with race such as hair texture and hair style), color, sex (includes pregnancy or related conditions), religion or creed, national origin, citizenship, age, disability, status as a veteran, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by federal, state or local law.
Vaco by Highspring and its parents, affiliates, and subsidiaries are committed to the full inclusion of all qualified individuals. As part of this commitment, Vaco by Highspring and its parents, affiliates, and subsidiaries will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact HR@vaco.com.
Vaco by Highspring also wants all applicants to know their rights that workplace discrimination is illegal.
Representation Notice
By submitting to this position, you agree that you will be giving Vaco by Highspring the exclusive right to present your as a candidate for the foregoing employment opportunity. You further agree that you have represented information about yourself accurately and have not affirmatively misrepresented your qualifications. You also agree to maintain as confidential, to the fullest extent permitted by law, any information you learn from Vaco by Highspring about the position and you will limit disclosure of information about the position only to the extent necessary to perform any obligations in furtherance of your application. In exchange, Vaco by Highspring agrees to exercise reasonable efforts to represent you through all solicitation, job screening and resume dispersal.
For residents of Ontario, Canada: Based on Highspring’s discussions with its Client, Highspring’s understanding is that this position for employment is a current vacancy (either through Highspring as a contractor or with the client directly).
Privacy Notice
Vaco by Highspring and its parents, affiliates, and subsidiaries (“we,” “our,” or “Vaco by Highspring”) respects your privacy and are committed to providing transparent notice of our policies.
- California residents may access Vaco by Highspring HR Notice at Collection for California Applicants and Employees here.
- Virginia residents may access our state specific policies here.
- Residents of all other states may access our policies here.
- Canadian residents may access our policies in English here and in French here.
- Residents of countries governed by GDPR may access our policies here.
Additionally, submissions to this position are subject to the use of AI to perform preliminary candidate screenings, focused on ensuring minimum job requirements noted in the position are satisfied. More details about Vaco by Highspring’s use of AI can be found here (https://www.highspring.com/ai-use-notices/). Further assessment of candidates beyond this initial phase will be conducted by recruiters and hiring managers. Vaco by Highspring does not know and cannot opine on if its client’s use of AI products in hiring.
Pay Transparency Notice
Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to:
- the individual’s skill sets, experience and training;
- licensure and certification requirements;
- office location and other geographic considerations;
- other business and organizational needs.
With that said, as required by local law, Vaco by Highspring believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure. The individual may also be eligible for discretionary bonuses.