Collections Specialist

Onbe, a fast-growing FinTech, bringing innovation to a rapidly growing global marketplace, stands for “on behalf.” Because that’s exactly how we work: on behalf of our clients, as their comprehensive payments partner. We transform the way payments are imagined — as an opportunity for innovation, a source of insight to customers, and a way to connect with partners around the globe! Summary: The Collections Specialist is responsible for managing accounts receivable, ensuring the timely collection of outstanding balances, and maintaining positive client relationships. This role partners closely with Billing, Finance Operations (FinOps), Accounting, Client Support, and Treasury to resolve payment issues, investigate discrepancies, and reduce recurring collection risks. The ideal candidate is detail-oriented, customer-focused, and comfortable navigating payment discussions in a fast-paced fintech environment. Key Responsibilities Monitor and manage assigned accounts receivable balances and aging reports Proactively contact clients via email and phone regarding overdue invoices Process and post customer payments accurately and timely Create, manage, and monitor payment plans, ensuring adherence to agreed‑upon terms Investigate and resolve billing discrepancies, short payments, and disputes Investigate and reconcile negative balances, including overpayments or duplicate payments Reconcile temporary credits and ensure proper application or reversal as appropriate Collaborate with Billing, FinOps, Accounting, Treasury and Client Support to correct invoice issues and prevent recurrence Maintain accurate documentation of all collection, payment, and reconciliation activities Prepare reporting on collection status, aging trends, and risk items Support end‑of‑month close activities related to accounts receivable Ensure compliance with company policies and applicable regulations Qualifications 2+ years’ experience in collections, accounts receivable, or customer service. High school diploma or equivalent required; associate or bachelor’s degree preferred. Strong communication and negotiation skills. Proficiency in Microsoft Office Suite, Excel, and accounting software. Ability to work independently and manage multiple priorities. Strong attention to detail and organizational skills. Preferred Skills Knowledge of debt collection laws and regulations. Experience with CRM or ERP systems, ideally High Radius and Great Plains Ability to maintain professionalism in challenging situations. The base salary range for this position is budgeted for $57,420-$60,000 with eligibility for an annual bonus. The actual base salary offered depends on a variety of factors, including but not limited to the qualifications of the individual applicant for the position, years of relevant experience, specific and unique skills, level of education attained, certifications or other professional licenses held, business needs, and market demand. Our competitive benefits include medical, dental, vision, wellness, 401(k) matching, unlimited PTO, work from anywhere, generous parental leave, and more! Our job titles may span more than one career level. All candidates are encouraged to apply. At Onbe, a diverse group of people, ideas, and perspectives are key to achieving phenomenal things. For over 25 years, our focus has remained on building a culture of openness and ingenuity, where employees come together to innovate and build disbursement solutions that make the lives of our clients and their consumers and workforces easier and better. Our definition of success includes celebrating differences and affirming belonging. To that end, we ask employees to come to Onbe as they are and contribute their diverse perspectives, identities, and experiences. We believe that the recruiting phase is only the very beginning of diversity and inclusion. At Onbe, we’re constantly evolving the way we celebrate diversity every day and in everything we do. With several internal committees that are dedicated to mental and physical wellness, diversity, inclusion, and community outreach, we are committed to making a culture that is inclusive to all. Onbe is proud to be an equal opportunity employer. We seek out ways to create a mindful workforce that embraces diversity and celebrates a culture of inclusion. We do not discriminate against employees or job applicants on the basis of race, color, ancestry, national origin, sex (including pregnancy), gender identity, sexual orientation, marital or family status, religion, age, disability, genetic information or military service. Our equal opportunity policy applies to all decisions of employment including hiring, placement, promotion or advancement, termination, layoff, recall, transfer, compensation, training and leaves of absence