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Collections Agent

San José, Costa Rica | Collections

Join us as a Collections Agent (internally known as Account Manager) and see how your expertise can help lift people up and change their lives.
Each day is an opportunity to reach out to consumers, work with them and define a financial recovery plan that gives them peace of mind in their time of uncertainty. We need driven, goal-oriented self-starters to make that happen. Great listeners who can build trust and respect. Talented, outgoing individuals who are ready to roll up their sleeves and learn. In return, you’ll have unlimited earning potential, incentives and a wide range of career development as part of our collections team. Your work will make a difference and empower consumers to find financial freedom.

Success Profile

What makes a successful Collections Agent at MCM?

  • Dedicated to Excellence
  • Results-driven
  • Problem-solver
  • Relationship Builder
  • Multi-tasker
  • Organized

What our employees say

Knowing that I have the power to transform not only my life, but the lives of so many others is why I love being an Account Manager. Being able to help someone, who at one time was in a bad situation, reach financial freedom and peace of mind is priceless.

Maria, Bilingual Account Manager

The two most important qualities an Account Manager should have is great communication skills and attitude. Being able to communicate clearly and effectively will be beneficial to not only the customer you are serving, but to you when connecting with your coworkers and leadership. Having a great attitude is important because it gives your customers a positive mindset as well.

Carlos, Bilingual Account Manager

Successful Account Managers are individuals who can build rapport with their clients and are passionate about creating win/win solutions. My role is all about being able to put myself in my clients shoes and show empathy for their situation. The role is challenging, but also has been very rewarding for me.

Russell, Account Manager


This is the best place to work!

A day in the life of an Account Manager

One employee offering a helping hand to another in a call center setting.

Our Culture

When you join our team, you’ll discover a place where diversity of ideas flourish and a collaborative spirit drives everything we do. Here, you’ll have the tools you need to achieve more – from paid training and strong leadership to plenty of growth and development opportunities. Every moment at MCM is an opportunity to make a difference and achieve breakthrough results. The work you do helps consumers, giving them the choices and opportunities they need to make the right financial decisions. And in turn, you’ll be rewarded with growth opportunities, an unlimited commission package and a better life.

Learn More about our culture.

Perks & Benefits

  • Awards & Recognition

    Enjoy the spotlight with a commitment to honoring great results – ranging from informal accolades to formal company-wide awards and prizes like all-inclusive vacations.

  • New Family Support

    Celebrate your new arrival with multiple company-sponsored programs supporting you and your family.

  • Pay & Bonuses

    Earn a competitive salary. All employees are eligible for uncapped commission or annual bonus incentives.

  • Volunteerism Support

    Enjoy up to eight hours of paid time off each year to volunteer. We also offer volunteer grants and matching financial donations, up to $2,500 per employee annually.

  • Healthcare

    Take advantage of comprehensive healthcare plans and options to ensure your continued health, plus fitness membership reimbursements, wellness rewards programs and more.

  • Work-Life Balance

    Enjoy paid and floating holidays, as well as generous time off. Are you a new parent? Celebrate your new arrival with company paid leave, new parent flex time, and child back-up care options.

See all of our benefits

Job Details

About Us

We are more than a specialty finance company providing debt recovery solutions for consumers. We are a global team of over 4,000 employees whose daily mission is to empower consumers to begin their path towards financial recovery and build a better life for themselves and their families. We know that the only way to support this mission is by hiring exceptional people who bring a diversity of ideas, a collaborative spirit, and a passion for attaining breakthrough results.  If you are results-driven, have a passion for helping others, and thrive in an innovative environment, this might be the right place for you!

The Collections Agent is responsible for negotiating secure payment arrangements from consumers to satisfy their account obligation by recommending payment solutions through review and assessment of the consumer's ability to pay in consideration of their outstanding obligation.

Collections Agents are also responsible for maintaining accurate documentation on the account and presenting regularly with the consumer, in accordance with FDCPA and company policy, in order to reach resolution of the account.


  • Continuously develop and improve dynamic interpersonal skills, through consistent and frequent manager’s coaching and feedback.
  • Improve communication skills by negotiating with consumers by phone, to establish payment arrangements in accordance with the legislation, and the company policy and values.
  • Utilize company technology to lead consumer interactions.


  • 18+ years old
  • High School Diploma (Título de Bachillerato)
  • Ability to apply basic mathematical applications.
  • PC skills (Microsoft: Outlook & Teams specially).
  • English proficiency at 90% at least.
  • Developed communication skills in English and Spanish:
    • Confident sound, bold tone of voice,
    • Ability to listen, manage and influence through a conversation.
  • Goals oriented, clear drivers, eager to get more.
  • Teamwork – Results are measured individually and impacts team, Unit and the whole Operation.
  • Resourcefulness to changes in a fast pace work environment
  • Organization skills, ability to use different tools at the same time.


  • 1 - 2 years in collections, financial services or call center environment. (Collections experience is not a must.)

Work Location:

  • Work will be permanently performed from the site (Altos del Mas x Menos Sabana). Business Continuity Plan (BCP), might need some occasional remote work, as per required.

If required, for remote operation, the employee must align with the following:

  • Have an accurate space to perform without distractions and displaying the correct ergonomics.
  • Have a dedicated (not shared) internet speed of at least 6Gigs. (100% used for working purposes).

What We Offer

We understand the important balance between work and life, fun and professionalism, and corporation verse community. We strive to support your career aspirations and provide the benefits you need to live a more fulfilling life.

Our compensation and benefits programs were created with an 'Employee-First Approach' focused on supporting, developing, and recognizing YOU.  We offer a wide array of wellness and mental health initiatives, support volunteerism, and environmental efforts, encourage employee education through leadership training, skill-building, and tuition reimbursements, and always strive to provide promotion opportunities from within.

All these things are just a small way to show our employees that we recognize their value, we understand what is important to them, and we reward their contributions.

Encore Capital Group and all of its subsidiaries are proud to be an equal opportunity employer and value diversity at our company. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identity, national origin, age, marital status or disability status. Where applicable, will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application and/or interview process, as well as to perform essential job functions. Please contact us to request more details of the role at

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