Collections Specialist

Job Description

Position Title: Executive / Senior Executive – US B2B Collections

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Location: Noida, Uttar Pradesh (On-site)

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Shift: US Night Shift

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Employment Type: Full-time

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⛔ CRITICAL ELIGIBILITY NOTE FOR APPLICANTS:

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This is a Financial Debt Recovery & Delinquent Loan Collections position. Candidates with backgrounds exclusively in Accounts Receivable (AR), Order-to-Cash (O2C), Billing, or Corporate Invoicing will NOT be considered. We are strictly looking for candidates with hands-on experience in First-Party or Third-Party B2B loan/commercial debt collections .

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About Biz2Credit

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Biz2Credit is a premier FinTech pioneer specializing in small business financing in the United States. Having funded billions of dollars in term loans, revenue-based financing, and lines of credit, Biz2Credit empowers small businesses to grow and succeed.

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We are expanding our risk and recovery operations at our Noida center and are looking for dynamic, results-driven US B2B Collection Executives to manage our delinquent business financing portfolio.

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Role Overview

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As a US B2B Collection Executive , you will be responsible for managing overdue business accounts, contacting delinquent US business owners (borrowers/merchants), negotiating repayment arrangements, and recovering non-performing assets. You will work directly on first-party or third-party collection portfolios, utilizing strong negotiation skills and understanding US commercial lending landscapes.

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Key Responsibilities

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• Outbound & Inbound Recovery Calls: Engage with US-based small business owners, C-level executives, and decision-makers regarding delinquent loans, revenue-based financing, or lines of credit.
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• Portfolio & Risk Management: Analyze delinquency trends, payment histories, and business financial metrics to determine appropriate recovery strategies.
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• Negotiation & Payment Arrangements: Formulate and negotiate cure plans, settlement offers, payment schedules, and workout arrangements within authorized company thresholds.
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• First & Third-Party Collection Execution: Apply effective B2B collection methodologies (first-party retention or third-party intensive recovery) to minimize default rates and maximize recovery revenue.
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• Skip Tracing & Investigation: Locate hard-to-reach borrowers using advanced skip tracing tools, public databases, and research techniques.
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• Compliance & Documentation: Maintain detailed records of all collection activities, commitments, and debtor communications in compliance with US debt collection laws and internal protocols.
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• Cross-Functional Collaboration: Work closely with legal, risk, and underwriting teams when escalating defaulted accounts for legal action or asset recovery.
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Key Competencies

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• Strong negotiation, objection handling, and conflict-resolution skills.
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• Target-driven mindset with a focus on hitting monthly recovery goals.
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• High ethical standards, resilience, and adaptability under pressure.
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• Good understanding of US business structures (LLCs, Corporations, Sole Proprietorships).
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What We Offer

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• Highly competitive fixed salary + lucrative, performance-linked collection incentives.
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• Convenient transportation support / Night shift cab allowance (as per company policy).
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• Medical insurance and employee wellness benefits.
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• Vibrant, fast-paced work culture in a global FinTech leader.
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