About JK Cars
John Kamal Cars is an owner-operated Buy Here Pay Here dealership in Southwest Houston with an active, growing in-house finance portfolio. While other dealerships are closing, we are expanding — adding staff, building structure, and laying the foundation for multiple locations. Every hire we make is a long-term investment, not a stopgap.
We are not a call center. We are not a franchise. We are a real dealership run by ownership that is present, decisive, and invested in the people who perform.
About This Role
We need someone who looks at a delinquent account and asks "what can I do to save this?" before ever considering escalation.
This is a dedicated loss mitigation and recovery position — not a general collections role. Accounts are assigned to you after passing 25 days past due. From that point, you own them. You exhaust every option to prevent repossession — and when prevention fails, you manage the repo process start to finish with professionalism and precision.
You are the last line of defense before a repo order goes out. And when it does go out, you are the one coordinating it.
What You'll Be Doing
- Work a dedicated pre-repo queue daily, prioritizing accounts by urgency and risk
- Get on the phone and have real, honest conversations — not scripts — with customers who are behind
- Negotiate deferments, revised arrangements, and last-chance commitments that are realistic for both sides
- Skip-trace unresponsive accounts using Idicore, TLO, DRN, or comparable tools
- Coordinate repossession orders with our licensed recovery company when all options are exhausted
- Manage repossessed collateral through the redemption, reinstatement, and disposition process
- Execute Texas-compliant Right to Cure notices and deficiency letter workflow
- Keep clean, detailed records of every contact, promise, and outcome in our DMS
- Report directly to ownership on queue status, repo volume, and recovery results
- Work closely with the collections team on account handoffs and escalation decisions
What We're Looking For
- Bilingual English/Spanish required — our customer base is predominantly Spanish-speaking; this is non-negotiable
- Minimum 2 years of BHPH or subprime auto finance recovery experience — not a general call center background
- Working knowledge of Texas repossession law — right-to-cure requirements, proper repo procedures, deficiency letter process
- Hands-on skip-tracing experience — Idicore, TLO, DRN, or comparable
- Experience coordinating directly with third-party repo/recovery companies
- Familiarity with iDMS, Auto Action, DealerSocket, or comparable dealer management software
- Strong gut instinct — knows when to show flexibility and when to hold firm
- Self-managed and accountable — you own your queue, nobody babysits you here
- Someone who takes it personally when an account goes to repo on their watch
Compensation & What You're Walking Into
- $19–$24/hr based on experience
- Monthly performance bonus tied directly to accounts saved from repossession
- Paid training
- Direct communication with ownership — no layers, no bureaucracy
- A clearly defined role with real authority over your queue
- A growing operation with a direct path to senior collections leadership as we expand
The Market Is Contracting. We Are Not.
Experienced recovery specialists are available right now because good dealerships have closed. If you are disciplined, experienced, and looking for a stable home where your skills are actually used and rewarded — this is that place.
Apply through Indeed or call/text 832-807-3590. Do not visit the dealership unannounced — all candidates will be screened before an in-person meeting is scheduled.
Pay: $19.00 - $24.00 per hour
Benefits:
- 401(k)
- Employee discount
- On-the-job training
- Opportunities for advancement
- Paid training
Work Location: In person
