At American Credit Acceptance, our mission is to help emerging credit consumers obtain affordable, reliable transportation. For many of our customers, their vehicle isn’t optional — it’s how they get to work, care for family, and move forward.
When customers fall behind, that’s where you come in. As a Servicing Specialist, you’ll serve as a key point of connection between our company and our customers. You’ll have real conversations about finances, negotiate solutions, and help customers take the right next step — all while protecting the performance of the portfolio you manage.
This is not a script-reading role. It’s a performance-driven position that requires resilience, sound judgment, and the ability to balance empathy with accountability.
We hire at three levels (I–III) based on experience. Candidates with prior collections experience are strongly encouraged to apply. We also welcome professionals from customer service, sales, or other roles that required handling objections, meeting goals, and navigating difficult conversations.
What You’ll Do:
Manage a portfolio of delinquent accounts ranging from early to high-risk (31+ days past due)
Initiate and receive calls (manual and auto-dialer) to resolve outstanding balances
Negotiate payment arrangements and establish clear next steps
Assess customer situations and make informed decisions within policy guidelines
Utilize skip‑tracing tools to locate updated customer information
Document account activity accurately and thoroughly
Handle escalated calls professionally
Work toward monthly performance goals while maintaining a respectful customer experience
What Makes You a Strong Fit
You are comfortable asking for payment and discussing financial obligations
You can stay calm and professional during challenging conversations
You balance empathy with firmness
You are motivated by goals and performance incentives
You are coachable and continuously looking to improve
You bring sound judgment and attention to detail
Qualifications: Required
High School Diploma or GED
Strong communication skills (verbal and written)
Ability to navigate multiple computer systems
Stable work history
Preferred
1–3+ years of collections experience
OR experience in customer service, sales, or another role requiring negotiation and goal achievement
Experience using an auto‑dialer system
Demonstrated history of meeting or exceeding performance goals
College coursework or degree
Schedule
Full-Time
Monday–Friday | 10:00 AM – 7:00 PM
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
EEO Statement:
ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. ACA complies with applicable state and local laws governing non‑discrimination in employment in every location in which the company has facilities.
California Privacy Notice As an employer of California residents, we are dedicated to protecting your privacy rights. Any personal information you provide during the application process will be used solely for permitted internal purposes and will be handled in accordance with applicable privacy laws. By applying to this position, you consent to the collection, use, and disclosure of your personal information as described in our Employee Privacy Notice.
