Raven Higgins
Dallas,TX
Summary
Dynamic collections professional with a proven track record at Westlake Financial Services, adept at debt negotiation and account management. Enhanced recovery rates through strategic payment arrangements and effective communication. Recognized for optimizing collections processes and fostering client relationships, resulting in improved cash flow and customer satisfaction.
Overview
12
12
years of professional experience
Work History
Collections Agent
Fcc Finance
Plano, TX
05.2025 - Current
- Streamlined communication between billing and collections departments to expedite payment processing timescales effectively.
- Assisted business director with repayments, receivables and collections.
- Organized successful in-store events that showcased new collections and attracted potential buyers.
- Improved cash flow management through timely invoicing and collections followups.
- Streamlined collections processes for improved efficiency and faster debt recovery.
- Optimized collections strategies by analyzing trends in delinquent accounts and implementing targeted solutions.
- Improved collections efforts through proactive communication with clients regarding outstanding invoices and payment terms.
- Maintained accurate records of all collections activities, ensuring compliance with company policies and procedures.
Charge Off -Collector
Iqventors/ TitleMax
Carrollton, TX
12.2022 - 05.2025
- Managed collections on overdue accounts to improve recovery rates.
- Communicated effectively with clients to negotiate payment plans and resolve disputes.
- Utilized collection software to track account status and document interactions.
- Analyzed customer payment behaviors to identify trends and optimize collection strategies.
- Proven ability to learn quickly and adapt to new situations.
- Ensured compliance with all federal, state, and industry regulations related to healthcare billing and collections.
- Recovered outstanding debt by implementing effective collections strategies and maintaining consistent communication with clients.
- Increased efficiency in the collections process through regular monitoring and analysis of outstanding accounts.
- Monitored outstanding balances on a regular basis, identifying trends and initiating collections efforts when necessary.
Collections 2
Harley Davidson Financial Services
Plano, TX
12.2020 - 10.2022
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
- Proven ability to learn quickly and adapt to new situations.
- Maintained high volume of calls and met demands of busy and productive group.
- Improved customer satisfaction by effectively resolving delinquent accounts through negotiation and payment plans.
- Trained new team members on scripts, company services, and collection strategies.
Collections Agent
Westlake Financial Services
Dallas Texas
01.2015 - 12.2020
- Managed customer accounts to facilitate timely payments and reduce delinquency rates.
- Communicated effectively with customers to negotiate payment arrangements and resolve disputes.
- Utilized collection software to track account status and document interactions consistently.
- Analyzed account data to identify trends and recommend strategies for improved collections.
Education
High School Diploma -
James Madison High
Dallas, TX05.2013
Skills
Payment arrangement
Skip tracing
Collections processing
Account management
Settle
Debt negotiation
Timeline
Collections Agent
Fcc Finance
05.2025 - Current
Charge Off -Collector
Iqventors/ TitleMax
12.2022 - 05.2025
Collections 2
Harley Davidson Financial Services
12.2020 - 10.2022
Collections Agent
Westlake Financial Services
01.2015 - 12.2020
High School Diploma -
James Madison High