Collections & Recovery Representative (Remote)

We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas or take over sponsorship at this time.  #BI-Remote #LI-Remote

About the role:

In the role of a Collections & Recovery Representative, you will be responsible for resolving customer balances. This requires contacting customers and applying empathy and respect while effectively negotiating to find solutions. A key to success in this position is the ability to confidently and proficiently manage difficult customers through challenging situations.

Responsibilities:

• Communicate with customers regarding severely overdue loan payments, explaining the impact of delinquency while working to resolve balances through full payment or structured payment plans.
• Manage high-volume inbound and outbound calls using manual and automated dialing systems to contact delinquent account holders nationwide.
• Process payments via check-by-phone, debit card, or provide instructions for mailed payments.
• Maintain accurate records of customer interactions, payment arrangements, and account updates in the customer database.
• Follow up on payment plans, addressing missed commitments and recommending next steps when accounts default.
• Handle customer concerns with empathy and professionalism, using negotiation and problem-solving skills to de-escalate situations while adhering to company policies and regulatory requirements.
• Meet or exceed monthly collection and recovery goals while maintaining quality assurance standards and call handling metrics.

Requirements:

• 2 or more years of third-party or late-stage first-party collections experience, preferably in a call center environment.
• Strong phone communication and active listening skills, with the ability to provide clear, assertive solutions to customers.
• Experience using collection systems and automated dialers while navigating multiple computer systems and talking/typing simultaneously.
• Basic knowledge of FDCPA, TCPA, and applicable state and federal collection laws preferred.
• Bilingual in Spanish is a plus.

Compensation:

The budgeted hourly rate for this position is $25.00. Additional compensation for this role may include bonus. All full-time employees are eligible to participate in Company benefits, described in more detail here.

Benefits & Perks:

• Our hybrid roles require in-office work Tuesday through Thursday, with remote flexibility on Mondays and Fridays. This schedule fosters collaboration, team connection, and strategic planning, enhancing communication and effectiveness to drive results.
• Health, dental, and vision insurance including mental health benefits
• 401(k) matching plus a roth option (U.S. Based employees only)
• PTO & paid holidays off
• Sabbatical program (for eligible roles)
• Summer hours (for eligible roles)
• Paid parental leave
• DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
• Employee recognition and rewards program
• Charitable matching and a paid volunteer day…Plus so much more!

About Enova

Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossus™platform. We serve non-prime consumers and businesses alike, while offering world-class technology and services to traditional banks—in order to create accessible credit for millions. 

Being a values-driven organization is at the core of Enova’s success. We live our values by listening to our customers, challenging assumptions, thinking big, setting high expectations, and hiring and developing the best. Through our values and our commitment to making Enova an awesome place to work, we maintain an environment of inclusion and culture where our employees can thrive. You can learn more about Enova’s values and culture here. 

It is our policy to provide equal employment opportunity for all persons and not discriminate in employment decisions by placing the most qualified person in each job, without regard to any other classification protected by federal, state, or local law. California Applicants: Click here to review our California Privacy Policy for Job Applicants.