Debt Recovery Representatives

POSITION OVERVIEW

MCI is one of the fastest-growing tech-enabled business services companies in the USA, with a strong call center footprint and operations that extend across multiple countries. We deliver Customer Experience (CX), Business Process Outsourcing (BPO), and Anything-as-a-Service (XaaS) cloud technology solutions across a wide range of industries, including healthcare, retail, government, education, telecom, technology e-commerce, and financial services. Our contact centers are powered by both on-site and remote agents, leveraging advanced technologies to enhance customer journeys, drive scalability and reduce costs.

At MCI we are committed to fostering an environment where professionals can build meaningful careers, access continuous learning and development opportunities and contribute to the success of a globally expanding, industry-leading organization.

We’re looking for a Debt Recovery Representative who is driven, empathetic, and skilled in negotiation to join our team. In this role, you’ll be responsible for contacting customers with outstanding debts, resolving disputes, and negotiating repayment plans all while maintaining a high standard of customer service and compliance.

If you're passionate about helping people regain financial stability and thrive in a performance-driven environment, we encourage you to apply.

To be considered for this role, you must complete a full application on our company careers page, including all screening questions and a brief pre-employment test.

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POSITION RESPONSIBILITIES

Key Responsibilities

Place outbound calls to customers with delinquent accounts to discuss balances and payment options.

Use
scripted dialogues and proven negotiation techniques
 to encourage timely payments and resolve outstanding debts.

Engage with customers in a professional and empathetic manner , actively listening and addressing concerns or objections.

Provide accurate information regarding account status, payment terms , and consequences of non-payment.

Process payments over the phone, including
credit card transactions, EFTs
, and payment arrangements, ensuring accuracy and compliance.

Document all customer interactions, payment arrangements, and account updates in the
collections system or CRM
.

Adhere to regulatory requirements and company policies, including the Fair Debt Collection Practices Act (FDCPA) .

Ensure all collection activities are conducted
ethically, professionally, and legally
.

Generate reports and metrics related to collection performance, call outcomes , and recovery rates.

Provide exceptional customer service by resolving inquiries and escalating complex cases when necessary.

Build rapport and trust with customers to foster cooperation and positive outcomes.

CANDIDATE QUALIFICATIONS

WONDER IF YOU ARE A GOOD FIT FOR THIS POSITION?

All positive, and driven applicants are encouraged to apply. The Ideal candidates for this position are highly motivated, dedicated and should possess the below qualities:

• High school diploma or equivalent; college coursework or degree preferred
• Proven experience in collections, customer service, or contact center environments
• Strong verbal and written communication skills
• Excellent interpersonal abilities , including active listening, empathy, and conflict resolution

Ability to remain

• calm and professional under pressure
• Familiarity with collection software, CRM systems , and call center technology is a plus
• Knowledge of debt collection laws and compliance requirements preferred
• Strong attention to detail , organizational skills, and proficiency in data entry
• Willingness to work flexible hours , including evenings and weekends as needed

COMPENSATION DETAILS

WANT AN EMPLOYER THAT VALUES YOUR CONTRIBUTION?

At MCI, we believe that your hard work deserves recognition and reward. Our compensation and benefits packages are designed to be competitive and to grow with you over time. Starting compensation is based on experience, and we offer a variety of benefits and incentives to support and reward our team members.

What You Can Expect from MCI

We understand the importance of balance and support, which is why we offer a variety of benefits and incentives that go beyond a paycheck. Our team members enjoy:

Paid Time Off

Earn PTO and paid holidays to take the time you need.

Incentives & Rewards

Participate in daily, weekly, and monthly contests that include cash bonuses and prizes ranging from electronics to dream vacations and sometimes even cars!

Health Benefits

Full-time employees are eligible for comprehensive medical, dental, and vision coverage after 60 days of employment, and all employees have access to MEC medical plans after just 30 days. Benefit options vary by location.

Retirement Savings

Secure your future with retirement savings programs, where available.

Disability Insurance

Short-term disability coverage is available to help protect you during unexpected challenges.

Life Insurance

Access life insurance options to safeguard your loved ones.

Supplemental Insurance

Accident and critical illness insurance

Career Growth

With a focus on internal promotions, employees enjoy significant advancement opportunities.

Paid Training

Learn new skills while earning a paycheck.

Fun, Engaging Work Environment

Enjoy a team-oriented culture that fosters collaboration and engagement.

Casual Dress Code

Be comfortable while you work.

Compensation & Benefits that Fit Your Life

MCI takes pride in tailoring our offerings to fit the needs of our diverse team across subsidiaries and locations. While specific benefits and incentives may vary by geography, the core of our commitment remains the same: rewarding effort, providing growth opportunities, and creating an environment where every employee feels valued.

If you’re ready to join a company that recognizes your contributions and supports your growth, MCI is the place for you. Apply today!

PHYSICAL REQUIREMENTS

This job operates in a professional office environment. While performing the duties of this job, the employee will be largely sedentary and will be required to sit/stand for long periods while using a computer and telephone headset. The employee will be regularly required to operate a computer and other office equipment, including a phone, copier, and printer. The employee may occasionally be required to move about the office to accomplish tasks; reach in any direction; raise or lower objects, move objects from place to place, hold onto objects, and move or exert force up to forty (40) pounds.

CONDITIONS OF EMPLOYMENT

All MCI Locations

• Must be authorized to work in the country where the job is based.
• Subject to the program and location of the position
• Must be willing to submit up to a LEVEL II background and/or security investigation with a fingerprint.  Job offers are contingent on background/security investigation results.
• Must be willing to submit to drug screening.  Job offers are contingent on drug screening results.

EQUAL OPPORTUNITY EMPLOYER

At MCI and its subsidiaries, we embrace differences and believe diversity benefits our employees, company, customers, and community.  All aspects of employment at MCI are based solely on a person's merit and qualifications.  MCI maintains a work environment free from discrimination, where employees are treated with dignity and respect. All employees are responsible for fulfilling MCI's commitment to a diverse and equal-opportunity work environment.

MCI does not discriminate against any employee or applicant on the basis of age, ancestry, color, family or medical care leave, gender identity or expression, genetic information, marital status, medical condition, national origin, physical or mental disability, political affiliation, protected veteran status, race, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applica