AdministrativeCompare

Bill and Account Collector

O*NET: Bill and Account Collectors·43-3011.00

The Verdict:AI-powered collection systems handle routine account monitoring, notifications, and payment processing with minimal human involvement. The remaining edge is in complex negotiations and reading debtor situations — but voice agents and chatbots are encroaching. Fewer collectors are needed as automation handles higher volumes across lending institutions.

Top shield:Task Resilience40

Top risk:Physical Presence8

Resilience Score

/100

High Risk

How is this scored?

Task Resilience

How much of this role's daily work remains beyond AI and robotic automation.

30% of score

Physical Presence

The degree to which this job needs a human present — hands-on, in the field, or in the room.

20% of score

Human Necessity

How important the unique human edge is — for trust, accountability, or judgment.

15% of score

Regulatory Shield

How strong the legal requirement is for a human in this job (by law, licensing, or credentials).

13% of score

Technological Maturity

How far AI remains from performing this role's core functions.

10% of score

Displacement Evidence

The volume of jobs in this field being eliminated by AI or automation right now.

12% of score

Score last updated: February 2026Full methodology

Avg Salary

Median annual wage from the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS), May 2024 release.

$46k

Job Growth (10yr)

Projected change in total number of jobs (not salary) from 2024–2034. Source: Bureau of Labor Statistics Employment Projections.

-10.5%

AI Exposure

Percentage of this role's analyzed tasks that AI can handle autonomously or nearly so. 5 of 15 tasks are classified as AI-exposed.

33%

Moderate exposure

Task Analysis

This role has a mixed AI profile.
5 tasks are automatable, 40% reward AI fluency, and 4 remain human-essential.

Read the action plan for high-risk roles

AI Can Handle This5 tasks

Tasks AI can do autonomously or nearly so

Record information about financial status of customers and status of collection efforts.

Locate and monitor overdue accounts, using computers and a variety of automated systems.

Receive payments and post amounts paid to customer accounts.

Sort and file correspondence and perform miscellaneous clerical duties, such as answering correspondence and writing reports.

AI Leverage6 tasks

Master these tools — humans who do outperform those who don't

Locate and notify customers of delinquent accounts by mail, telephone, or personal visits to solicit payment.

Advise customers of necessary actions and strategies for debt repayment.

Answer customer questions regarding problems with their accounts.

Trace delinquent customers to new addresses by inquiring at post offices, telephone companies, credit bureaus, or through the questioning of neighbors.

Human Advantage4 tasks

Tasks requiring trust, presence, or novel judgment

Arrange for debt repayment or establish repayment schedules, based on customers' financial situations.

Persuade customers to pay amounts due on credit accounts, damage claims, or nonpayable checks, or to return merchandise.

Confer with customers by telephone or in person to determine reasons for overdue payments and to review the terms of sales, service, or credit contracts.

Negotiate credit extensions when necessary.

Resilience Landscape

Bill and Account Collector lands in Lower Pay, High Risk

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