Collections Representative III


Job Summary

Under minimal supervision the Collections Representative III is responsible for collection of delinquent accounts by phone or correspondence and handles the most complex customer cases that may require Collection Representative III to deviate from standard routines and procedures. The Collections Representative III is expected to be a leader either through individual contribution, mentorship with other associates or both.

Job Responsibilities

  • Responsible for collecting on assigned delinquent accounts by telephone, or correspondence if necessary.
  • Assigns accounts to agencies for repossession, skip tracing, or in-person collection activity when approved by appropriate authority level.
  • Based on authority levels, possesses the ability to process and/or assign accounts to Adjustment Queue for payment re-allocations and fee/balance waivers if applicable.
  • Carries the responsibility for resolving the most complex/difficult collection situations and responding to supervisor line calls.
  • Serves as a mentor to other associates through development and supervisor capabilities and/or serves as a subject matter expert as an individual contributor.
  • Must maintain knowledge of specialty collection queue strategy and uses effective time management to ensure customer service experience is satisfactory and meets expectations.
  • Collaborates with Senior Consumer Collections Analysts and Collections Managers to make recommendations to enhance the Consumer Collections process to support Continuous Improvement.
  • Ensure that all steps necessary are taken to protect the interest of HDFS by understanding and adhering to company collection and extension policies, the Fair Debt Collection Practices Act, and company confidentiality and privacy issues.
  • Protection of information and compliance with the law are paramount. Protecting employee, customer and corporate information is everyone’s responsibility at Eaglemark Savings Bank. All employees must follow established safeguards, including policies regarding data protection, segregation of duties, and access to information based solely on business need. Further, it is the responsibility of all employees to maintain awareness and understanding of relevant laws, regulations, internal policies and procedures, and to comply with all of them.

Education Requirements

Degree Not Required

Education Specifications


Experience Requirements


  • Typically requires a minimum of 5 years of related experience.
  • High School diploma.
  • Adherence to high ethical standards of truthfulness, honesty and fairness.
  • Detail-oriented and highly organized with exceptional written communication skills and the ability to verbally articulate and convey information tactfully and professionally.
  • Proficient with computer systems and keyboarding/data entry skills with moderate speed and accuracy.
  • Must possess critical thinking, analytical, and effective negotiation skills with the ability to handle a large volume of Collection accounts and inbound and outbound calls from customers or other associates.
  • Flexible and open minded with an ability to work in a team environment and influence others to accept and adapt to change.
  • Self-motivated, professional with strong organizational and problem-solving skills.
  • Ability to work in a fast paced, time-sensitive environment.


  • Consumer Automotive Collection experience.
  • College degree.

Harley-Davidson is an equal opportunity employer that continues to build a culture of inclusion, belonging and equity through our commitment to attracting and retaining diverse talent from all backgrounds, without regard to race, color, religion, sex, sexual orientation, national origin, gender identity, age, disability, veteran status or any other characteristic protected by law. We believe in fairness and providing a level playing field for all. We foster a culture that thrives on diverse perspectives and contributions to ignite the creativity and innovation to fuel our business and enhance the employee and customer experience.

The pay range shown represents the national average pay range for this role. Your pay may be more or less than the stated range and is dependent on your geographic location and level of experience.

We offer an inclusive compensation package for all full-time salaried employees including, but not limited to, annual bonus programs, health insurance benefits, a 401k program, onsite fitness centers and employee stores, employee discounts on products and accessories, and more. Learn more about Harley-Davidson here.
Applicants must be currently authorized to work in the United States.