Senior Specialist - Late Collections

Position Description


Under limited supervision, the Late Collections Senior Specialist is responsible for assisting the Team Manager in achieving department goals by providing associate training, monitoring associate calls, motivating associates, auditing associate work product and providing a high level of customer service.


  • Take incoming phone calls as needed and answer customer account questions.
  • Make outbound calls and collect on past due accounts as scheduled.
  • Verify account information and update as necessary.
  • Education customers regarding accounts, explain interest accrual, late fees, credit bureau reporting, payment options and account management options.
  • Request information or correspondence from other departments using internal systems.
  • Handle escalated customer account issues/inquires, review extension requests, and review post-dated payment requests.
  • Process customer payments via internal computer systems.
  • Annotate accounts in internal systems to document interactions with customers.
  • Work with other departments to research and follow up on customer issues/concerns.
  • Train, motivate, and provide support, ideas and encouragement to Late Collections Specialists.
  • Conduct live and recorded call monitors to ensure quality, compliance, and identify training needs.
  • Audit accounts to monitor associate quality and training needs.
  • Assist with floor management and answer associate questions.
  • Review and process customer account due date changes.
  • Assist with creation, tracking, and reporting of department incentive programs.
  • Generate reports and provide analysis to measure the success of the department.
  • Assist with the facilitation of training sessions during team meetings and floor huddles.
  • Special Projects as assigned.
  • Perform above functions within department expectations/metrics.

Position Requirements


  • Ability to multi-task in a high energy and fast-paced work environment.
  • Good time-management and organizational skills.
  • Tolerate stressful situations with customers.
  • Demonstrated leadership among peers.
  • Speak and listen effectively with CarMax customers via telephone.
  • Effectively communicate with and train associates.
  • Complete CarMax provided training as required.
  • Understand and adhere to company policies and procedures and collections regulations.


  • One year certificate from college/technical school or six months related experience/training.
  • Basic computer knowledge, including understanding of Microsoft applications, and basic typing skills.
  • Experience in a call center or collections environment preferred.

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