# MCA Collections Specialist

**Company:** [High Rise Capital](null/companies/8PRsn2kE5aGkFR8uyimzYx.md)
**Location:** New York, United States
**Workplace:** hybrid
**Employment type:** Full-time

[Apply for this job](null/view/53b27d95-01c9-4eeb-88f2-bd6af88337df)

## Description

We 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.

### Responsibilities

-   Contact 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.

## Requirements

-   **1+ years of MCA collections experience preferred.**

-   **To Apply:**  
    Please submit your resume and a brief description of your **MCA collections experience**, including the types of accounts you have handled and your experience getting merchants back onto payments.
-   Must have a strong understanding of **Merchant Cash Advances, UCC filings, defaults, and payment collections.**
-   Proven experience **cold calling merchants** and successfully getting delinquent accounts back on payment.
-   Strong negotiation and objection-handling skills.
-   Comfortable making a high volume of calls every day.
-   Experience communicating through **phone, SMS, and email**.
-   Persistent, confident, and professional when dealing with difficult merchants.
-   Ability to work independently and manage a large portfolio of accounts.
-   Strong organizational and follow-up skills.
-   Experience with a CRM, dialer, or collections management system is a plus.

## Benefits

**Competitive base salary + performance-based bonuses/commissions.**

Compensation will be based on experience and collections performance.