Collections Specialist

In Person in New York City, NY About Us Obligo is a fast-growing FinTech / Real Estate Tech startup on a mission to build trust between renters and landlords worldwide. By leveraging open banking, data, and AI, Obligo eliminates traditional security deposits and replaces them with a fair, flexible, and transparent renter experience while streamlining operations for property managers. At Obligo, we believe that clear communication, thoughtful user experience, and trust-building design are just as important as strong risk models and technical execution. Working in a hybrid model from our NYC office in Union Square, you’ll have the opportunity to collaborate with a variety of cross-functional teams to improve our product based on customer feedback. About the Position Obligo is seeking a driven Collections Associate to manage a portfolio of delinquent accounts, negotiate payment plans, and improve collection processes. In this role, you'll play a key part in fulfilling our mission of building trust between landlords and renters by ensuring timely payments and maintaining strong customer relationships. The ideal candidate has 1–2 years of experience in a customer-facing role and is comfortable handling difficult conversations about payments. They are resilient, goal-oriented, and eager to grow in a performance-driven environment. Responsibilities: Manage a portfolio of delinquent accounts and execute structured outreach strategies to drive timely payment resolution. Contact customers via phone, email, and written correspondence to follow up on overdue balances. Negotiate payment plans within established guidelines while maintaining professionalism and strong customer relationships. Accurately document all customer interactions and payment arrangements in internal systems. Meet or exceed individual recovery and activity targets. Collaborate with the Senior Collections Associate and leadership team to share trends, customer insights, and opportunities to improve messaging and processes. Requirements 1–2 years of experience in collections, sales, account management, financial services, or another customer-facing role involving negotiation or payment discussions. Demonstrated ability to handle difficult conversations with confidence and professionalism. Strong verbal and written communication skills. Comfort working toward measurable performance goals or quotas. Highly organized with strong attention to detail and follow-through. Ability to work independently while also contributing to a collaborative team environment. Located in the New York City metro area and able to commute to our NYC office. Benefits and Perks Join a mission-driven and value-driven company that puts culture, personal growth and well-being front and center A chance to work with incredible teammates who are bright, creative, talented, and passionate! Growth Training Opportunities Hybrid work model, including 2-3 days per week of working from home Fun office environment in Union Square, including communal food, music and games Frequent company and team events including physical workouts, restaurants and more Generous PTO and Holiday Schedule Stock Options to all full time employees Home Office Expense Reimbursement Health, Dental and Vision plan options with generous company contributions 401-K with match Paid parental leave Flexible Savings Account (FSA) Options Commuter Benefits (pre-tax dollars for transit and parking) Salary Range: $70K-80K