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Debt Collector Job Description: Top Duties and Qualifications

Edited by Indeed Employer Content Team
Last updated 5 November 2025
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Indeed’s Employer Resource Library helps businesses grow and manage their workforce. With over 15,000 articles in 6 languages, we offer tactical advice, how-tos and best practices to help businesses hire and retain great employees.

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7 min read

A Debt Collector, sometimes called a Collections Agent is responsible for recovering debts for businesses. Their duties include making and receiving calls from non-paying customers, negotiating payment terms and escalating complex cases.

Debt Collector duties and responsibilities

Debt Collectors perform a range of customer-focused tasks when recovering debts. Their duties may vary depending on their employer, but usually include:

  • Writing letters to inform customers of their outstanding accounts
  • Answering phone calls from non-paying customers with questions about their debts
  • Calling non-paying customers and determining why their payments are outstanding
  • Explaining payment plan options to non-paying customers, negotiating payment terms and enrolling customers interested in these payment programs
  • Identifying vulnerable customers and escalating their cases to support teams
  • Identifying non-compliant customers and escalating their cases to insolvency teams
  • Servicing court orders to recover outstanding payments, in some cases

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Debt Collector Job Description Examples:

Example 1

*Position: Debt Collector* *Location: Exeter Head Office* *Salary: Competitive DOE* Thrifty Car and Van Rental are looking for an experienced and motivated Debt Collector to join our Credit Control team based at our Exeter Head Office. You will be required to assist in the recovery of charges owed from retail and corporate customers. *What will this role involve?* · Chasing for payments via telephone · Manging a diary of accounts to be chased and recording accurate notes of any activity · Dealing with requests relating to invoices/credits from customers · Being responsible for escalations received from Credit Controllers and ensuring processes are followed through to the legal stage · Liaising with various departments and branches throughout the company to resolve queries · Working with the Credit Control Manager to reduce overall debt *What skills and experience is required for this role?*
  • Experience of collections is required for this role
  • Excellent and confident skills
  • Good understanding of Microsoft applications such as Word, Excel & Outlook If you are interested in this role, please click APPLY today. Job Types: Full-time, Permanent Benefits: * Bike to work scheme * Company events * Company pension * Employee discount * Store discounts Schedule: * Monday to Friday Work remotely: * No

Example 2

Job description We are looking for an experienced Debt Collector or Debt Collection Paralegal to work in a fast-paced environment. This will include but will not be limited to the main responsibilities given below. The right candidate is expected to use a high degree of self-management and initiative. The right candidate will have the opportunity to progress into a senior position. The successful candidate must have excellent interpersonal and communications skills as the role interacts with a wide range of people.   Main Tasks: List of areas of responsibilities * Managing a caseload * Writing, emailing and telephoning debtors, to pursue payment * Advising and assisting clients in pursuing County Court Judgments * Regular reporting and updating clients on the progress of recovery * Liaising with potential clients and general business development * Carrying out some credit control work * Updating and maintaining an accurate case management system Knowledge, skills and experience required * Experience in Debt Collection * Experience in Credit Control * Experience in Advising and Assisting clients in pursuing County Court Claims * Experience in running own caseload * Must have minimum GCSE Maths and English or equivalent * Excellent communication skills – verbal and written * Determined and Enthusiastic * Reliable team worker * Willingness to learn * Good Microsoft office skills * Flexible approach * Polite telephone manner * Attention to detail and the ability to work under pressure * Good personal organisational skills Part-time hours: 35 per week Application deadline: 30/06/2021 Job Types: Full-time, Part-time, Permanent Salary: per year Benefits: * Company pension * Sick pay * Wellness programmes Schedule: * Monday to Friday * No weekends Experience: * Paralegal: 1 year (preferred) Work remotely: * Temporarily due to COVID-19

Example 3

Nightfox are currently looking for experienced Field Collection Agents to reconnect with non-paying debtors with face to face visits. At Nightfox there will be plenty of scope for progression as we have rapid growth plans over the next 12 months. The ideal candidate will have previous experience working within a Field Agent Collection role, and should have excellent communication, IT and organisational skills along with the ability to work to within regulatory requirements. You be willing to travel to locations Nationwide. Duties and Responsibilities:
  • Face To Face collections following up overdue payments to reconnect customer with our in house team
  • Establish reasons for non-payment, assess what has changed in customers circumstances and advise of forbearance options available
  • Contribute towards collections strategy and ensure accomplishments fall in line with regulatory compliance measures and deliver against business needs
  • Manage own workload daily whilst liaising with the wider team and prioritise it based on geographic area to ensure productivity
  • Required to report full analysis on a daily basis
  • Be professional at all times ensuring data protection
  • Excellent communication skills
  • Previous experience in door to door debt collection/recovery would be beneficial but not essential as full training and support would be given.
  • Strong negotiation skills required
  • Clean driving license desired but not essential
  • Be able to work on own initiative
  • Electronic support (Laptop/body camera etc) will be provided
  • Fully expensed company vehicle will be provided
  • Basic wage with achievable commissions with an OTE of upto £40,000.00 p.a Immediate starts are available. Reference ID: Expected start date: 05/07/2021 Job Types: Full-time, Commission, Permanent Salary: £26,000.00 per year Additional pay: * Bonus scheme * Commission pay Benefits: * Company car * Flexible schedule * Work from home Schedule: * Monday to Friday * No weekends COVID-19 considerations: Employees expected to wear full Covid Compliant PPE when facing the public Application question(s): * Are you able to work away from home as some overnight stays will be needed? Work remotely: * Yes

Example 4

Plantec Assist who are a part of the Examworks UK family are looking for individuals with strong negotiation skills, who can be confident on the phone, when liaising with insurance companies to recover monies relating to a Motorbike accident, building a good rapport from the outset, and managing your own caseload. *What will I be doing?* You will liaise with various parties throughout the Recovering of debt. Speaking from Customer, to Insurers, Brokers and Solicitors. You will also build strong internal relationships. You are going to need to be a decision maker, be a strong negotiator and a clear communicator. Excellent customer and client focus is essential. You will be confident to handle your own case load allocated to you directly to Recover debt, you should have a confident and professional telephone manner. *Skills and experience required* You must have strong administrational skills, with a great attention to detail. It is not essential but is very desirable if you do understand Credit Hire or have experience in the Motor claims industry. This position would be suitable for Law graduates who are looking for a step into their next career and to further develop your legal skill. Perhaps you studied Torte law and took a strong liking to it! Or perhaps you are looking to move away from a sales role, into a B2B position without the cold calling! Whatever your background, we offer full training for the right candidate. Giving you valuable experience in -negotiation, resilience, and relationship building. *Additional information: * · Starting salary - £17,500- £19,000 per annum *(dependant on experience)* · Hours - between 8.30am - 5.00pm and no weekends · Location - Based on the Shakespeare Centre, an easy commute from, Liverpool and Southport. · 30 days holiday including Bank holidays · Bonus incentives · Discounts with hundreds of local retailers, discounted gym memberships and much more! *Immediate interview and start available.* Plantec Assist Ltd reserves the right to close this vacancy once we have found a suitable candidate. IND2 Job Types: Full-time, Permanent Salary: per year Benefits: * Bike to work scheme * Casual dress * Childcare * Company pension * Employee discount * Gym membership * Referral programme * Sick pay * Store discounts * Wellness programmes Schedule: * 8 hour shift * Day shift * Monday to Friday * No weekends Work remotely: * No

Example 5

*About us* Debt Solve UK Ltd has been in business for 14 years and specialises in veterinary debt. The team consists of 12 dedicated individuals who are very good at what they do and a credit to the company. Come and join us. You will never look back. *Debt Collector [Specialist Veterinary Team]* Debt Solve UK Ltd t/a DSL, a Redditch-based Debt Recovery Agency providing specialist services to the veterinary industry, is looking to recruit a Full-Time Experienced Telephone Collector working in a environment. A career with us means being part of a standout business with a clear vision and strong values. We’ll give you everything you need to do a great job, and your contributions will be properly recognized, highly valued, and well rewarded. We promote from within, and there are some exciting opportunities on the horizon. It's a great time to join an expanding well-respected company. As a Collection Officer, you will be working 40 hours per week within a small, highly skilled team dedicated to veterinary debt collection. You will need to be flexible with a can-do attitude and enjoy working as part of a team. You will be responsible for information gathering and the collection of overdue veterinary accounts. Good IT skills are important for this role as the successful applicant will be working within our main CRM system. Y*ou will be responsible for: * Contacting defaulters by telephone to negotiate payment. Gather intelligence and ensuring GDPR compliance is maintained. Meeting and Exceeding Customer Expectations. Working within Industry Guidelines. Ensure we provide the Best Service possible to our customers. Reporting progress to line managers. *Job Types: Full Time, Permanent* Salary: £19,240.00 per annum COVID-19 considerations: Reference ID: MB Full-time hours: 40 per week Job Types: Full-time, Permanent Salary: £19,240.00 per year Reference ID: MB Application deadline: 22/07/2021 Expected start date: 02/08/2021 *Debt Solve UK Ltd provided the following inclusive hiring information: * We are an equal opportunity employer and consider all qualified applicants equally without regard to race, colour, religion, sex, sexual orientation, gender identity, national origin, veteran status or disability status. Job Type: Full-time Salary: £19,240.00 per year Benefits: * On-site parking Schedule: * 8 hour shift * Monday to Friday * No weekends * Overtime COVID-19 considerations: Covid restrictions in place, social distancing, face masks, hand sanitiser, work station dividers. Experience: * Debt Collection: 3 years (required)

Example 6

Job Description

Title:Claims & Recoveries Manager (Debt Collector)

Location:Cardiff, United Kingdom (Work From Home)

Required Experience:10 Years – 15 Years

Remuneration:GBP 3,000 – GBP 3,500 Per Month

Hiring Requirement

Briefly, established in 1991, UCS (Unified Credit Solutions) is a leading B2B credit management group specialising in Business Information Services, Debt Collection Services, Receivables Management Services and Para Legal Services. UCS has local presence in 18 countries across Asia Pacific, Middle East, Africa and Europe.

UCS is looking for an experienced Debt Collector (Based in Cardiff) who can handle high value debt collection cases across UK.

Functional Expertise & Main Job-Related Skills
  • Representing large international clients in order to collect overdue accounts.
  • Examining and analysing the claim documents to assess recovery prospects of the claimed overdue account.
  • Interacting with debtors over phone, through mails or by visits for face-to-face meetings to resolve matters of the outstanding payments.
  • Negotiating a reasonable settlement in case of disputes and to ensure recovery as per the settlement.
  • Keep a track of the matters where debtors have furnished payment schedules and to ensure adherence by those debtors.
  • Recording & maintaining interactions with the debtors and the payment proposals submitted by them in the relevant ERP sections.
  • Keeping the respective case managers updated and informed on all developments in all cases placed by them.
  • Preparing weekly and monthly reports.

Required Qualifications
  • University Graduate or above in Economics, Finance or other related fields.
  • Preferably Lawyer.
  • Speaks fluently in English.
  • Excellent communication and presentation skills.
  • Good commercial negotiation skills.
  • Good team spirit with good character and able to work hard under pressure.
  • Proficient in MS Office and particularly Excel to maintain records and analyse performance in the ERP.

Job Type: Full-time

Pay: £3,000.00-£3,500.00 per month

Benefits:
  • Work from home



Education:
  • Bachelor's Collection: 5 years (required)

Example 7

Starting Salary £19,968.00, salary to be review after 1 month

Based in Barlborough Links on the Chesterfield and Sheffield boarder with Onsite Carpark

UK Search the nation's leading niche debt collection business has an exciting opportunity for an enthusiastic individual to join our Commercial Telephone Debt Collection Team. This positions is well suited to individuals with a Commercial background with preferred debt collection experience.

We are looking for people looking to advance their career in Commercial debt Collection,whilst gaining bespoke telephone negotiation skills and gain hands-on experience in a thriving and supportive workplace.

You will receive the industry's state-of-the-art training which will enable you to operate fully in the field of Commercial telephone negotiation.

UK Search are fully accredited and are authorised and regulated by the Financial Conduct Authority. We are a fast growing organisation looking for get-up-and-go individuals, we really are a great company to work for.

If you are a good communicator, then you'll fit in really well. You will be target driven to help you achieve a greater standing within the business with the potential to earn bigger monthly salary.

The candidate must have at least 1 years’ experience/knowledge of the commercial sector, must be computer literate. Will have a professional and courteous manner and have good attention to detail and be able to work as part of a team.

Key Skills
  • Excellent communicator
  • Good negotiation skills
  • Ability to work to targets
  • Confident telephone manner
  • Good PC skills
  • Excellent Team Player
  • Working to Time Sensitive deadlines
  • Knowledge of the Commercial Sector

Knowledge of the Collections Industry is an advantage but not essential.

So if you think you can do it, please apply immediately with an up to date CV.

Job Type: Full-time with immediate start

Salary: Starting at £19,968.00 with a salary review after the first month.

UK Search Limited are one of the UK’s leading customer arrears collections agencies, providing niche services to 100s of blue-chip businesses. We're growing and are looking for some new talent. Why not come join us. It’s a great place to work with many employee benefits.

Are you a talented telephone negotiator or are good on the telephone, but feel frustrated that your current role just isn’t challenging enough, or maybe you feel you are being underutilised, or simply not appreciated for your efforts?

We’re looking to recruit Customer Telephone Negotiators. Dependant on experience within the sector we are even willing to match or exceed your existing package.

Starting salary £19,968.00 per annum (negotiable on experience)

Job Type: Full-time

Salary: From £19,968.00 per year

Benefits:
  • Casual dress
  • Company events
  • Company pension
  • On-site parking
Schedule:
  • 8 hour shift
  • Day shift
  • Monday to Friday
Supplemental pay scheme
Our mission

Indeed’s Employer Resource Library helps businesses grow and manage their workforce. With over 15,000 articles in 6 languages, we offer tactical advice, how-tos and best practices to help businesses hire and retain great employees.

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What does a Debt Collector do?

A Debt Collector attempts to extract payments from non-paying customers. They spend most of their time talking to customers over the telephone about non-payment of their accounts. The work they do aims to convert non-paying customers to paying ones. They may do this by encouraging full payment or enrolling non-paying customers in payment plans. Some Debt Collectors, called Field Collections Officers, visit non-paying customers in their homes to recover payments. These professionals help businesses improve their cash flow and increase their profits.

Debt Collector skills and qualifications

Debt Collectors use soft skills to convert non-paying customers into paying customers. A successful Debt Collector candidate will have various prerequisite skills and qualifications that typically include: 

  • Written and verbal communication, including active listening for alerting customers of non-payment, determining reasons for non-payment and explaining payment options in simple terms
  • Diplomacy for discussing sensitive matters tactfully
  • Negotiation skills for convincing customers to meet their financial commitments
  • Conflict resolution for calming hostile non-paying customers
  • Bookkeeping and numeracy for determining outstanding payments and appropriate payment instalments
  • Understanding of financial terms, credit services, debt recovery procedures, IFRS9, data protection and the Financial Conduct Authority’s principals of treating customers fairly
  • Computer literacy, including data entry and confidence using business applications
  • Administrative skills, including filing and touch typing

Debt Collector experience requirements

Many businesses prefer hiring Debt Collectors with previous debt collection or asset finance experience. However, experience working in customer service is also valuable, as Debt Collectors spend most of their time talking to customers. Any office role will give candidates transferrable skills, such as computer literacy and administrative skills.

Debt Collector education and training requirements

There are no set educational requirements for these professionals. However, most employers expect their candidates to have good GSCEs, between 9 to 5 especially in mathematics. A National Vocational Qualification (NVQ) and Scottish Vocational Qualification (SVQ) in bookkeeping can also give Debt Collector strong financial knowledge. Some businesses support new Debt Collectors getting these qualifications after they secure a position, as most receive on-the-job training.

Debt Collectors salary expectations

According to Indeed Salaries, the average salary of a Debt Collector in the UK is £6.70 per hour. Their salary can vary depending on their experience, location and employer.

Job description samples for similar positions

If you do not have a vacant Debt Collector role, another job description sample may be a better fit for your company. Here are some job description samples for similar positions:

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Debt Collector job description FAQs

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