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Collections Representative II Salary in the United States

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

As of August 01, 2026, the average salary for a Collections Representative II in the United States is $43,940 per year, which breaks down to an hourly rate of $21.

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

  • Top Earners (90th percentile): $53,062
  • Majority Range (25th-75th percentile): $39,878 to $48,715
  • Entry-Level (10th percentile): $36,180
Salary Factors Salary-Boosting Skills Salary by Experience Related Job Salaries Top Paying Cities Explore Related Jobs

Key Factors That Influence Collections Representative II Salaries

A 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, education and company size can directly affect your earning potential.

How Experience Level Affects Collections Representative II Salaries?

Experience is a primary driver of a 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:

  • Collections Representative I (0-1 years): $39,436
  • Collections Representative II (1-3 years): $43,940
  • Collections Representative III (3-5 years): $48,626
  • Collections Supervisor (5+ years): $67,664
  • VP of Collections (5+ years): $236,634
Job Role Years of Experience Average Salary
Collections Representative I0-1 years$39,436
Collections Representative II1-3 years$43,940
Collections Representative III3-5 years$48,626
Collections Supervisor5+ years$67,664
VP of Collections5+ years$236,634
View as Graph

How Do Collections Representative IIs 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 Collections Representative IIs. For example, consider the average annual salaries in these key locations:
  • District of Columbia: $48,650.
  • California: $48,466.
  • Massachusetts: $47,820.

Top Paying Cities for Collections Representative II

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: $55,422
  • San Francisco: $54,815
  • Oakland: $53,660

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

Demanded Skills for the Role:

  • Customer Service (Mentioned in 18.42% 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.
  • Microsoft Office (Mentioned in 3.57% Job Postings): Microsoft Office is a suite of desktop productivity applications that is designed by Microsoft for business use. You can create documents containing text and images, work with data in spreadsheets and databases, create presentations and posters.
  • Bankruptcy (Mentioned in 1.28% 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 18.42%
Microsoft Office 3.57%
Bankruptcy 1.28%
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 Collections Representative II's salary.

  • Analysis: Can increase your salary by up to 11%.
  • Leadership: Can increase your salary by up to 8%.
  • Financial Services: Can increase your salary by up to 6%.
Skill Salary Salary % Increase
Analysis $48,773
11%
Leadership $47,455
8%
Financial Services $46,576
6%
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Collections Representative II Salary by Company Size: Startups vs. Enterprise

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 $49,188. While startup companies pay approximate $41,612.

Collections Representative II Salary by Company Size

Company Size Employees Average Salary
Startup 1~50 $41,612
Growth Stage 51~500 $44,010
Established 501~5000 $47,500
Enterprise 5000+ $49,188

Collections Representative II Salary by Industry: Top Paying Sectors

For Collections Representative II roles, the industry you choose can affect earning potential by as much as 50% (the gap between the highest and lowest paying industries). Data shows that the Construction and Business Services sectors offer the strongest compensation, at 25% above the average. In contrast, Collections Representative positions in Media or Retail & Wholesale typically offer lower base pay, as these industries often view Collections Representative II as a support function rather than a direct revenue driver.

The top paying industries for a Collections Representative II

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Construction$54,925$26.025%
Business Services$52,728$25.020%
Energy & Utilities$51,849$25.018%
Biotechnology$50,531$24.015%
Aerospace & Defense$49,213$24.012%

How Education impacts an Collections Representative II's Salary?

Your level of education can impact your salary potential. While many Collections Representative II enter the field with a Bachelor's Degree, higher education can lead to more specialized and higher-paying roles.

According to our 100% employer-reported salary data, the median salary for an Collections Representative II with a Bachelor's Degree is between $44,685 and $47,627.

Collections Representative II Salaries by Degree Level

Typical Education for Collections Representative II
Degree Level % of user with this level of education
No Diploma 5.9%
High School 33.3%
Associates 11.8%
Bachelors 47.1%
Masters 2.0%
Doctorate 0.0%
View as Graph

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

Understanding how a 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 August 01, 2026
$39,878
Average $43,940/year
$48,715
$3,323
Average $3,662/month
$4,060
$767
Average $845/week
$937
$19
Average $21/hour
$23
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $48,715 $4,060 $937 $23
Average $43,940 $3,662 $845 $21
25th Percentile $39,878 $3,323 $767 $19

Collections Representative II Salary Growth & Career Path

Collections Representative II

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Advancement

For a Collections Representative II, the most direct path to higher earnings is advancing to the Collections Representative III role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $48,626 - a projected growth of 11% over your current level.

Most common benefits for Collections Representative II

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

Common company salaries for Collections Representative II

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

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FAQ about Collections Representative II

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

A 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 Collections Representative II earns the most in San Jose, CA, where the annual salary of a Collections Representative II is $55,422.

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

The highest pay for Collections Representative II is $53,062.

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

The lowest pay for Collections Representative II is $36,180.

4. What are the responsibilities of Collections Representative II?

Responsible for initiating calls to delinquent customers by phone, mail or personal visit to collect payments and settle accounts. Follows-up delinquent accounts, updates and maintains accurate financial records including accounting, receivable, and credit records. Requires a high school diploma or equivalent. Typically reports to a supervisor. 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 Collections Representative II?

The Construction industry offers the highest average compensation for Collections Representative II roles, with salaries approximately 25% 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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