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Credit and Collections Representative II Salary in the United States

How much does a Credit and Collections Representative II make in the United States?

As of October 01, 2026, the average salary for a Credit and Collections Representative II in the United States is $49,755 per year, which breaks down to an hourly rate of $24.

However, a Credit and Collections Representative II's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $61,065
  • Majority Range (25th-75th percentile): $43,716 to $55,675
  • Entry-Level (10th percentile): $38,218
Salary Factors Salary-Boosting Skills Salary by Experience Related Job Salaries Top Paying Cities Explore Related Jobs

Key Factors That Influence Credit and Collections Representative II Salaries

A Credit and Collections Representative II's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location and company size can directly affect your earning potential.

How Experience Level Affects Credit and Collections Representative II Salaries?

Experience is a primary driver of a Credit and Collections Representative II's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:

  • Credit and Collections Representative I (0-1 years): $43,250
  • Credit and Collections Representative II (1-3 years): $49,755
  • Credit and Collections Representative III (3-5 years): $57,167
  • Credit and Collections Supervisor (5+ years): $74,203
  • Credit and Collections Manager (5+ years): $112,446
Job Role Years of Experience Average Salary
Credit and Collections Representative I0-1 years$43,250
Credit and Collections Representative II1-3 years$49,755
Credit and Collections Representative III3-5 years$57,167
Credit and Collections Supervisor5+ years$74,203
Credit and Collections Manager5+ years$112,446
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How Do Credit and Collections Representative II Salaries Vary from State to State?

Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Credit and Collections Representative IIs. For example, consider the average annual salaries in these key locations:
  • District of Columbia: $55,089.
  • California: $54,880.
  • Massachusetts: $54,148.

Top Paying Cities for Credit and Collections Representative IIs

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

  • San Jose: $62,756
  • San Francisco: $62,069
  • Oakland: $60,761

What Skills Can Increase a Credit and Collections Representative II's Salary?

Demanded Skills for the Role:

  • Customer Service (Mentioned in 16.62% Job Postings): Customer service is the provision of service to customers before, during and after a purchase. The perception of success of such interactions is dependent on employees "who can adjust themselves to the personality of the guest". Customer service concerns the priority an organization assigns to customer service relative to components such as product innovation and pricing. In this sense, an organization that values good customer service may spend more money in training employees than the average organization or may proactively interview customers for feedback. From the point of view of an overall sales process engineering effort, customer service plays an important role in an organization's ability to generate income and revenue. From that perspective, customer service should be included as part of an overall approach to systematic improvement. One good customer service experience can change the entire perception a customer holds towards the organization.
  • Call Center (Mentioned in 2.96% Job Postings): A call centre or call center is a managed capability that can be centralised or remote that is used for receiving or transmitting a large volume of enquiries by telephone.
  • Bankruptcy (Mentioned in 1.37% Job Postings): Bankruptcy helps people who can no longer pay their debts get a fresh start by liquidating assets to pay their debts or by creating a repayment plan.
Skills Demand Percentage
Customer Service 16.62%
Call Center 2.96%
Bankruptcy 1.37%
See More Skills

What skills can make your compensation higher?

Mastering certain specialized skills can lead to a significant increase in pay. Here are examples of skills and the potential impact they can have on a Credit and Collections Representative II's salary.

  • Patient Care: Can increase your salary by up to 15%.
  • Collaboration: Can increase your salary by up to 8%.
  • ERP: Can increase your salary by up to 8%.
Skill Salary Salary % Increase
Patient Care $57,218
15%
Collaboration $53,735
8%
ERP $53,735
8%
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Credit and Collections Representative II Salary by Company Size: Startups vs. Enterprise

Credit and Collections Representative II salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $55,546. While startup companies pay approximate $47,034.

Credit and Collections Representative II Salary by Company Size

Company Size Employees Average Salary
Startup 1~50 $47,034
Growth Stage 51~500 $49,732
Established 501~5000 $53,634
Enterprise 5000+ $55,546

Credit and Collections Representative II Salary by Industry: Top Paying Sectors

For Credit and Collections Representative II roles, the industry you choose can affect earning potential by as much as 95% (the gap between the highest and lowest paying industries). Data shows that the Financial Services and Energy & Utilities sectors offer the strongest compensation, at 40% above the average. In contrast, Credit and Collections Representative positions in Software & Networking or Hospitality & Leisure typically offer lower base pay, as these industries often view Credit and Collections Representative II as a support function rather than a direct revenue driver.

The top paying industries for a Credit and Collections Representative II

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Financial Services$69,657$33.040%
Energy & Utilities$67,169$32.035%
Biotechnology$64,682$31.030%
Pharmaceuticals$62,194$30.025%
Insurance$59,706$29.020%

Credit and Collections Representative II Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Credit and Collections Representative II's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.

Last Updated on October 01, 2026
$43,716
Average $49,755/year
$55,675
$3,643
Average $4,146/month
$4,640
$841
Average $957/week
$1,071
$21
Average $24/hour
$27
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $55,675 $4,640 $1,071 $27
Average $49,755 $4,146 $957 $24
25th Percentile $43,716 $3,643 $841 $21

Credit and Collections Representative II Salary Growth & Career Path

Credit and Collections Representative II

Next Role

Advancement

Promotions are the fastest way to increase your earnings. As a Credit and Collections Representative II, you have the following paths for advancement. The table below compares the salary raises for common next-step roles. By comparing these figures, you can choose the career path that best meets your financial goals.

Next Step Role Estimate Salary Projected Raise
Credit and Collections Representative III $57,167 15%
Electronic Payment Supervisor $88,104 77%

Most common benefits for Credit and Collections Representative II

  • Social Security
  • 401 (k)
  • Disability
  • Healthcare
  • Pension
  • Time Off (days)

Common company salaries for Credit and Collections Representative II

Here are companies hiring for Credit and Collections Representative II and their salaries, click below for more details.

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FAQ about Credit and Collections Representative II

1. Where can a Credit and Collections Representative II earn the most?

A Credit and Collections Representative II's earning potential can vary widely depending on several factors, including location, industry, experience, education, and the specific employer. According to the latest salary data by Salary.com, a Credit and Collections Representative II earns the most in San Jose, CA, where the annual salary of a Credit and Collections Representative II is $62,756.

2. What is the highest pay for Credit and Collections Representative II?

The highest pay for Credit and Collections Representative II is $61,065.

3. What is the lowest pay for Credit and Collections Representative II?

The lowest pay for Credit and Collections Representative II is $38,218.

4. What are the responsibilities of Credit and Collections Representative II?

Collects and maintains accurate credit information. Reviews and verifies overdue accounts. Contacts customers to confirm outstanding payments and renews credit information to help minimize outstanding debts. Requires a high school diploma. Typically reports to a manager. Works under moderate supervision. Gaining or has attained full proficiency in a specific area of discipline. Typically requires 1-3 years of related experience.

5. What industry pays the highest salary for Credit and Collections Representative II?

The Financial Services industry offers the highest average compensation for Credit and Collections Representative II roles, with salaries approximately 40% above the market median.

Where Does Our Salary Data Come From?

Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.

We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)

With the most extensive online, real-time compensation data available, Salary.com helps you pinpoint your exact pay target.

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