Collections Specialist

Company Description Palmetto is a consumer energy platform that provides homeowners with a single destination to discover, purchase, finance, install, monitor and manage home energy products and services. By offering one integrated platform across solar, battery storage, HVAC, heat pumps and more, Palmetto helps homeowners make home energy more affordable, reliable and accessible. Today Palmetto serves hundreds of thousands of homeowners, across 30+ states, building the operating infrastructure for the consumer energy transition, one home at a time. Our employees are our most valuable resource. We foster a promote-from-within culture that prioritizes talent development, career growth, and purpose-driven work. Palmetto offers a comprehensive benefits package—including unlimited PTO, medical, dental, and vision coverage, paid parental leave, retirement plans, and more—so you can have it all both personally and professionally. Palmetto prioritizes people, planet, and profit—backed by a culture that values collaboration, impact, and balance. Join us in building a brighter, cleaner world. Department Description Palmetto Home is a branch of Palmetto focused on the democratization of the renewable energy and HVAC industries. We provide homeowners with financial products to benefit from solar power, energy storage systems, and home efficiency through advanced heating and cooling technologies. We empower solar and HVAC sales professionals and installation companies with access to our proprietary platform, financing, customer management system, and milestone quality control system. Our #1 focus is a phenomenal experience for our customers and partners, evidenced in our growing financial product adoption. Location This position will be based remotely in the Philippines. Summary of Role The Collections Specialist is responsible for managing a portfolio of past-due accounts, conducting outbound collection calls/emails/texts, and working directly with customers to resolve outstanding balances. This role requires strong communication skills, sound judgment, and the ability to balance firmness with empathy — all while delivering a positive customer experience and supporting the company's overall financial health. If you're a clear communicator, a natural problem-solver, and someone who stays composed under pressure, this role is a great fit for you! About You:

• Passionate about problem solving, and you excel at finding solutions to unstructured issues while achieving success in a structured environment.
• You love to innovate. A "no" or a difficult conversation is simply an opportunity to get creative and find a resolution that works for both the customer and the business!
• You can tackle the macro and micro — staying focused on the individual customer in front of you while keeping an eye on your own performance metrics and the broader financial health of the business. Strategic & Tactical
• Make outbound collection calls to customers regarding past-due accounts with goal of 100 per day.
• Negotiate payment arrangements and resolve delinquent accounts in accordance with company policy and applicable regulations.
• Accurately document call outcomes, payment commitments, and account notes in the CRM.
• De-escalate and professionally handle frustrated, upset, or difficult customers.
• Educate customers on account status, balances, and available payment options.
• Meet or exceed daily, weekly, and monthly call volume and collection targets.
• Follow all applicable federal, state, and company collection laws and guidelines (e.g., FDCPA where applicable).
• Identify accounts that may require escalation to a supervisor or alternate resolution path.
• Maintain a professional, courteous, and customer-focused approach on every call Qualifications
• High school diploma or equivalent required; some college coursework preferred.
• Prior experience in collections, call center, or customer service roles required.
• Fluent in English, both verbal and written, with clear and professional phone communication skills.
• Strong negotiation and conflict-resolution skills.
• Ability to remain calm, patient, and solution-oriented with escalated or difficult customers.
• Comfortable working in a high-volume, fast-paced call environment.
• Basic computer proficiency, including data entry and navigating CRM or collections software.
• Strong attention to detail and accurate record-keeping.
• Positive attitude, reliability, and a genuine customer-first mindset.
• Ability to work independently and as part of a team.
• Excellent organizational and time management skills.
• Knowledge of construction or solar industry preferred.
• Preferred Skills
• Bilingual abilities a plus (English & Spanish).
• Familiarity with collections-related regulations and compliance requirements.
• Previous experience with outbound dialer systems. Employment is contingent upon the successful completion of a background check. Equal Employment Opportunity Palmetto embraces diversity and is an Equal Employment Opportunity employer. Employment is decided on the basis of qualifications, merit, and business need. We do not discriminate based upon race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or any other status protected under federal, state, or local law. To ensure a fair evaluation, we may use AI to assist in sorting applications, but all final decisions are made by our hiring team and no candidate dispositions are automated. We will keep your information on file for four years from the date of your application. For detailed information about how we handle your data and our use of AI, please review our full privacy policy. For more about our Privacy Policy, visit: