The Advanced Recovery Specialist is responsible for managing high-risk, late-stage delinquent accounts that are approaching charge-off or have demonstrated elevated complexity. This role focuses on maximizing recoveries through strategic negotiation, structured payment solutions, and precise account management.

Unlike front-end or mid-stage collectors, this position requires a higher level of autonomy, negotiation expertise, financial analysis, and organizational discipline. The Advanced Recovery Specialist works on complex accounts that often require creative repayment structures, escalated customer communication, and cross-functional coordination.

• 4+ years of commercial or business collections experience, with demonstrated performance managing accounts through multiple delinquency stages including charge-off.

• Strong working knowledge of commercial collections concepts including delinquency management, settlement negotiations, hardship/modification plans, and post-charge-off recovery strategies.

• Proficiency with CRM for account management, activity logging, case management, and pipeline reporting.

• Demonstrated experience managing late-stage or high-risk delinquent accounts.

• Demonstrated ability to meet or exceed individual KPIs in a metrics-driven collections environment (RPCs, PTPs, cure rates, settlement rates, etc).

• Proven skip tracing techniques to locate unresponsive or hard-to-reach customers, including reverse phone lookups, address verification services, social media research, and third-party skip trace platforms.

• Experience working within defined approval thresholds and escalation frameworks.

• Strong understanding of regulatory compliance in collections practices.

• Serve as a Subject Matter Expert (SME) on Fundbox collections processes, systems logic, and customer delinquency lifecycle

• Lead complex and high-risk customer escalations, providing thoughtful resolution strategies that balance customer experience, compliance, and risk mitigation

• Approach customers with tailored repayment solutions on delinquent payments, including complex or sensitive cases

• Manage and prioritize an assigned portfolio of customers requiring ongoing follow-up through calls and email correspondence, ensuring timely outreach, thorough case management, and consistent resolution progress.

• Maintain and exceed individual performance metrics while setting a performance standard for the team

• Partner with leadership to identify process gaps and drive continuous improvement initiatives

• Participate in cross-functional projects by supporting testing, validating new workflows, and providing detailed feedback on proposed process, policy, or system changes

• Act as a resource and mentor for team members, sharing best practices and elevating team knowledge

We’re proud to provide a comprehensive and competitive benefits package designed to support your well-being, growth, and work–life balance. Our benefits include:

• Equity in a high-growth organization in the form of RSUs

• Generous PTO, including vacation, sick time, and company holidays

• Premium health coverage starting day one, with multiple plans fully paid by Fundbox

• Monthly Uber Eats credit

• Wellness benefits, including an annual individual wellness budget and access to mental and physical health resources

• Professional development budget to support continued growth

• Home office stipend to help you optimize your remote setup

• 401(k) retirement savings plans, life insurance, and disability coverage

Let’s not forget, we were recently certified by Great Place to work with an employee satisfaction rate of 94%.

Diversity and Inclusion at Fundbox

We’re proud to be an equal-opportunity workplace as we know that diverse teams produce the best work. We’re committed to building a culture of innovation and inclusion across gender, race, age, sexual orientation, religion, disability, and identity. Here at Fundbox, we strive to uphold a system of values we call MOSAIC: Mission, Ownership, Speed, Achva (a Hebrew term meaning to help one another), Innovation, and Clarity. Embracing our diverse backgrounds and abilities allows us to harness our creativity and achieve more, together.