MCA Collections Specialist

MCA Collections SpecialistWe are looking for an experienced MCA Collections Specialist to join our team. The ideal candidate has hands-on experience collecting on Merchant Cash Advances (MCAs) and understands how to work with merchants who have fallen behind or stopped making payments.This is a high-activity collections position requiring strong communication skills, persistence, and a solid understanding of MCA collections and UCC filings.ResponsibilitiesContact merchants by phone, SMS, and email regarding delinquent MCA payments.Make high-volume cold calls to merchants who have stopped or fallen behind on payments.Work directly with merchants to understand their situation and negotiate payment arrangements to bring accounts current.Follow up consistently with merchants who make promises to pay.Understand and work with UCC filings and the collections process.Send appropriate UCC-related notices and communications in accordance with company procedures and applicable law.Locate and communicate with merchants who are difficult to reach.Negotiate settlements, repayment plans, and payment reinstatement arrangements within company guidelines.Maintain detailed records of merchant communications, payment commitments, and account activity.Work closely with management and legal/operations teams on escalated accounts.Identify merchants who can be successfully brought back onto regular payments and prioritize accounts accordingly.