Collections Officer Cover Letter Template

Dear Hiring Manager, I’ve spent the last five years working in debt collection, focusing on consumer and small business accounts. In that time I’ve helped teams navigate complex cases with careful negotiation and clear records. At [Previous Company], I handled about 40 accounts per week and consistently kept over 90% of overdue balances within payment plans. I’m looking to bring that same steady approach to [Company Name], ensuring compliance and respectful, effective customer communication. I’m comfortable with all the core duties of a collections officer, including tracing debtors, arranging repayment plans, and following up on settlements. I value accuracy in record keeping and I stay up to date with legal and regulatory requirements. I’m skilled at writing clear notices, speaking with clients and customers, and collaborating with credit staff and legal teams to move cases forward while protecting the debtor’s rights. One example stays with me from last year. A debtor with multiple failed attempts to pay had moved twice and stopped answering calls. I used our tracing tools, updated the address, and coordinated with the accounts team to set a plan that could work within hardship guidelines. We formalised a plan that reduced arrears by a meaningful amount within two months and avoided escalation to legal action. It was a simple sequence, but it relied on organised process and calm negotiation. I’m available for a chat about how I can contribute to [Company Name]. If you’d like to discuss my background and approach in more detail, I’m happy to arrange a time that suits. Kind regards, [Your Name]