Manage special-handling past-due commercial accounts including disputes, fraud, and bankruptcy. Investigate cases end-to-end, communicate with merchants and partners, log bank-compliant documentation, prepare collection notices, and keep accounts audit-ready while supporting broader collections tasks.
About Credit Key
Credit Key is on a mission to disrupt B2B lending. We help businesses of every size, including large merchants and growing companies, access the capital they need to run operations, fund growth, and seize opportunities. Whether it’s e-commerce at checkout (think Affirm, Klarna) or paying for invoices, services, and equipment, we make flexible pay-over-time solutions simple and reliable.
We’re a fully funded, fast-growing startup that moves quickly, solves hard problems, and always delivers real value to our customers. Our technology is core to the business, and we constantly innovate while maintaining the stability and reliability of the systems that got us here.
We're looking for an experienced commercial collections professional to focus on the special handling accounts in our past-due portfolio. As our Account Resolution Specialist, you'll be the dedicated point person for disputes, fraud cases, and bankruptcy accounts, owning each case from initial complaint through timely close-out while keeping our records accurate, bank-compliant, and audit-ready. We're a small, close-knit team, so we're looking for someone with a great attitude who is eager to learn and happy to jump in wherever the team needs help.
What you'll do
• Own the dispute process on past-due accounts from start to finish. Take the initial complaint, investigate, communicate with the merchant and our partners, log all activity according to bank requirements, and ensure each dispute is closed out in a timely manner.
• Own the fraud process in the same way, from intake and investigation through merchant and partner communication, bank-compliant logging, and timely resolution of each case.
• Appropriately log, code, and document bankruptcy accounts, keep account statuses current, and send files or account information to our proof-of-claim vendor when needed.
• Prepare and send past-due collection notices and demand letters as needed.
• Keep every account action documented, audit-ready, and compliant.
• Pitch in on other collections and servicing tasks as the team needs.
What you'll bring
• 3 to 5 years in commercial collections, recovery, or loan servicing with hands-on dispute, fraud, or bankruptcy account experience.
• Working knowledge of FDCPA, FCRA, and bankruptcy fundamentals.
• Strong investigation, documentation, and communication skills. You can run a caseload on your own and manage deadlines without reminders.
• A team-player mindset and a positive attitude. You are willing to jump in on work outside your core caseload and you treat teammates and customers with respect.
• Curiosity and a willingness to learn. New processes and new systems do not slow you down.
• Sharp attention to detail, especially when logging and documenting bank requirements.
Why Credit Key
- Competitive compensation + equity
- Great healthcare benefits
- PTO
- 401k Match
- Supportive, low ego, highly collaborative team environment
- Work from home stipend
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