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At Kompato AI, we are developing the first AI-powered, customer-centric financial services business. We're the first fully licensed AI-first debt collection agency —and we're already outperforming traditional agencies.
Working here will be a thrilling, challenging, and rewarding experience—ideal for those who have a track record of proven success and are ready to take their talents to an organization where they can do their best work and create lasting impacts. If you are driven, ambitious, and passionate about transforming financial services with AI, this is the place for you.
The Role
We are seeking a high-performing, results-driven Bilingual Collections Specialist with native Spanish language skills to join our team. You'll work with financially distressed consumers in both Spanish and English, helping them identify real solutions to regain control of their financial situation.
This isn't traditional collections. Our AI agents handle the majority of consumer interactions. You'll handle escalated cases—the ones that require human expertise, emotional intelligence, or regulatory compliance. Your bilingual ability is critical : you'll serve Spanish-speaking consumers who need human connection and navigate culturally sensitive financial conversations.
You'll handle:
Spanish and English-speaking consumers who request to speak with a person
Cases requiring human involvement by law or regulation
Complex payment arrangements and dispute resolution
Sensitive negotiations requiring cultural understanding and empathy
Your impact:
Build and maintain strong, trust-based relationships with Spanish-speaking consumers
Resolve the most challenging collection cases in our groundbreaking system
Provide feedback that improves our industry-leading AI platform
Ensure compliance and deliver best-in-class consumer experiences
Work remotely with a collaborative, high-performing team
Key Responsibilities
Collections & Relationship Management:
Contact consumers in Spanish and English to negotiate payment arrangements
Build trust-based relationships with Spanish-speaking consumers experiencing financial hardship
Proactively identify opportunities to resolve accounts and drive positive outcomes
Navigate cultural sensitivities around money, family obligations, and financial stress
Dispute & Issue Resolution:
Quickly and effectively resolve disputes and complaints in both languages
Document all interactions thoroughly for compliance and quality assurance
Follow up diligently to ensure payment commitments are met
Compliance & Regulatory Knowledge:
Maintain expert knowledge of FDCPA, TCPA, CFPB, and state-specific collection regulations
Ensure every interaction meets legal and compliance standards
Stay current on regulatory updates and AI-driven engagement strategies
Handle sensitive cases with precision—you're our compliance checkpoint
Team Collaboration & AI Improvement:
Provide feedback to improve AI agent performance with Spanish-speaking consumers
Share insights on cultural nuances that impact collection effectiveness
Contribute to strategies that enhance outcomes for bilingual consumers
Act as a role model for professionalism, integrity, and commitment to excellence
What It Takes to Succeed
MUST HAVE:
✅ Native or fluent Spanish speaker with professional-level English proficiency
✅ 5+ years proven collections experience in accounts receivable, debt collection, or consumer finance
✅ Clean compliance record - no regulatory violations or disciplinary actions
✅ Track record of meeting or exceeding collection goals and performance metrics
✅ Deep knowledge of FDCPA, TCPA, and CFPB regulations
✅ Exceptional negotiation and problem-solving skills in both Spanish and English
✅ Ability to handle difficult conversations with empathy and persistence
✅ Cultural competency working with diverse Latino communities (Mexican, Puerto Rican, Central American, etc.)
✅ Proficiency with CRM systems, dialers, and omni-channel platforms
✅ Self-motivated and accountable for remote work environment
✅ Secure home office with reliable internet and private workspace
What We're Looking For:
Someone who genuinely wants to help consumers resolve their debts
High emotional intelligence to balance empathy with results
Confidence navigating objections and difficult financial conversations
Adaptability to work with AI technology and provide improvement feedback
Professional maturity and integrity in all consumer interactions
Drive to continuously improve performance and outcomes
What We Offer
Compensation:
Competitive salary (based on experience and location)
Performance bonuses tied to collection results
Full benefits package (health, dental, vision, 401k)
Work Setup:
Fully remote position
Equipment and technology provided
Flexible schedule within business hours
Professional development and compliance training
Growth & Impact:
Ground floor opportunity at the only fully licensed AI-first collection agency
Work with technology that's already outperforming traditional agencies
Be part of revolutionizing debt collection
Clear advancement opportunities as we scale
Make a real difference in consumers' financial lives
Who This Is For
This role is perfect for you if:
You have a proven track record in collections and want to level up
You're proud of your Spanish language skills and want them valued and compensated
You want to work with cutting-edge AI technology instead of outdated methods
You're comfortable working independently and remotely
You balance empathy with results - you genuinely help people while meeting goals
You want to be part of something innovative in financial services
This role is NOT for you if:
You don't have significant collections experience (we need proven performers) You're not truly bilingual in Spanish and English You have compliance issues or regulatory violations in your background You need constant supervision or prefer office environments You're skeptical about AI or prefer traditional collection methods You're just looking for any remote job (this requires collections expertise) Ready to Apply?
If you're an experienced collections professional with native Spanish skills ready to work at the forefront of AI-powered financial services, we want to hear from you.
Kompato AI is an equal opportunity employer. This role demands resilience, adaptability, and a commitment to excellence in collections.