Early Collections - Specialist I

Position Description

CarMax Auto Finance, located just outside of Atlanta in Kennesaw, Georgia, is the financial division of CarMax. CAF Associates enjoy a casual, friendly environment with a diverse workforce of talented Associates.

Opportunities at CarMax Auto Finance range from entry-level positions to professional careers, and our Associates are eligible for a wide range of benefits including medical, dental, tuition reimbursement, vehicle discounts and more. And we’re one of “FORTUNE’s 100 Best Companies to Work For.” So what are you waiting for?


The Early Collections Specialist is responsible for making and receiving phone calls to customers who have past due accounts with CarMax Auto Finance, and to educate the customer on the status of their account, the ramifications of a past due account and to influence the customer to make payments on past due accounts.


  • Make outbound collection calls to customers and influence and negotiate with customers to make payments on the past due account.
  • Take incoming phone calls from customers and answer customer questions regarding his/her account and influence customers to make payments on past due accounts.
  • Verify customer information on account is correct and update as necessary using computer screens.
  • Advise customers of the status of their account (paid current or past due) by reviewing account information on collections system.
  • Educate customers regarding their account, interest accruals, late fees, credit reporting, payment options and account management options.
  • Process customer payments via inter-company computer systems.
  • Annotate accounts in inter-company systems to document all interactions with the customer.
  • Understand and adhere to company policies and procedures including collection policies/laws.
  • Work with other departments/personnel where necessary to resolve customer questions/issues.
  • Perform above functions within department expectations/metrics.

Position Requirements

Training begins on Monday, August 15th, 2016. Training is Monday through Friday from 9:00 am until 6:00 pm. You must be available to attend and pass ALL of the training to continue full time employment.


8 hour shifts 5 days per week; weekday variable shifts will include up to 2 nights a week (12-9p; 1-10; 2-11p) and rotating weekends (Saturday 9-6pm; Sunday 10-7pm)


  • Multi-task in a high energy and fast-pace work environment.
  • Speak and listen effectively with CarMax customers via phone.
  • Ability to recognize problems, resolve or escalate as needed.
  • Use a variety of talks offs to educate and influence the customer to make payment.
  • Tolerate stressful interactions with customers.
  • Complete CarMax provided training as required.
  • Understand and adhere to company policies and procedures.


  • High school diploma or 1 year related experience/training.
  • Basic typing skills including minimum accuracy requirements.
  • Basic computer knowledge.

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