Locate and notify customers of delinquent accounts by mail, telephone, or personal visit to solicit payment. Duties include receiving payment and posting amount to customer's account; preparing statements to credit department if customer fails to respond; initiating repossession proceedings or service disconnection; and keeping records of collection and status of accounts.
U.S. Workers
165,020
Median Salary
$46,040
10-Year Growth
-10.5%
Annual Openings
13,700
Typical entry: High school diploma or equivalent
15 of 15 tasks have some AI capability
Exposure Trend
This score reflects estimated AI technical capability for tasks in this occupation. It does not predict employment changes, and it does not account for company-specific constraints, regulation, or adoption barriers.
Record information about financial status of customers and status of collection efforts.
AI: Fully automatable - AI can extract, standardize, and record customers' financial information and track collection activity from calls and documents, though complex judgments may still need human review.
Locate and monitor overdue accounts, using computers and a variety of automated systems.
AI: Fully automatable - AI and automated systems can continuously locate and monitor overdue accounts using integrated data and predictive models.
Advise customers of necessary actions and strategies for debt repayment.
AI: Fully automatable - AI systems can provide personalized repayment strategies and action steps based on customers' financial data and best practices.
Answer customer questions regarding problems with their accounts.
AI: Fully automatable - Integrated AI chatbots and virtual agents can answer most account-related questions and handle routine problem resolution, escalating only complex cases.
Receive payments and post amounts paid to customer accounts.
AI: Fully automatable - Payment reception and posting are already automated—AI can process payments, reconcile accounts, and update ledgers without human intervention.
Perform various administrative functions for assigned accounts, such as recording address changes and purging the records of deceased customers.
AI: Fully automatable - These are structured database updates and rule-based purges that can be fully automated via RPA and system integrations with verification workflows.
Locate and notify customers of delinquent accounts by mail, telephone, or personal visits to solicit payment.
AI: Partial - AI can send automated notices and place robocalls and assist with digital skip‑tracing, but cannot perform in-person visits or fully handle complex locating tasks.
Arrange for debt repayment or establish repayment schedules, based on customers' financial situations.
AI: Partial - AI can evaluate financial data and set up standard repayment plans, but complex negotiations, exception handling, and fraud/verification needs still require human oversight.
Persuade customers to pay amounts due on credit accounts, damage claims, or nonpayable checks, or to return merchandise.
AI: Partial - AI can use optimized messaging and automated outreach to persuade many customers, but deep negotiation, emotional rapport, and resistant cases often still require human collectors.
Confer with customers by telephone or in person to determine reasons for overdue payments and to review the terms of sales, service, or credit contracts.
AI: Partial - AI voice agents can conduct telephone interviews to elicit reasons for delinquency and review contract terms, but cannot perform in-person conferences and may miss nuanced cues.
Trace delinquent customers to new addresses by inquiring at post offices, telephone companies, credit bureaus, or through the questioning of neighbors.
AI: Partial - AI-driven digital skip‑tracing can locate many customers using public records and commercial databases, but it cannot legally or physically perform inquiries at post offices, phone companies, or neighbors.
Notify credit departments, order merchandise repossession or service disconnection, and turn over account records to attorneys when customers fail to respond to collection attempts.
AI: Partial - AI can automatically notify departments, prepare and send legal/collection paperwork, and instruct vendors, but physical repossession and final legal actions require human and vendor execution and oversight.
Sort and file correspondence and perform miscellaneous clerical duties, such as answering correspondence and writing reports.
AI: Partial - AI can automate digital sorting, draft responses, and generate reports, but physical paper filing and nuanced clerical judgment still require human intervention.
Contact insurance companies to check on status of claims payments and write appeal letters for denial on claims.
AI: Partial - AI can check claim status where electronic interfaces exist and draft appeal letters, but live insurer interactions, authentication, and complex appeals often require human involvement.
Negotiate credit extensions when necessary.
AI: Partial - AI can propose offers and execute rule-based credit extensions, but nuanced negotiation and discretionary judgment typically need human negotiators.