CashNetUSA Collections Representative (Remote)

About the role

The role of Collections Representative involves proactive contact with customers to manage overdue accounts, negotiate payment arrangements, and resolve customer concerns with professionalism and empathy.

Responsibilities

• Manage high volume inbound and outbound calls to address delinquent loan payments.
• Negotiate and execute effective payment arrangements, adhering to Enova's call flow.
• Resolve customer concerns and complex issues related to late payments, maintaining a high level of professionalism and empathy.
• Communicate clearly and effectively with customers, explaining the implications of overdue payments and offering assistance for financial resolution.
• Accurately record and maintain all customer interactions, payment plans, and relevant information in Enova's database.

Requirements

• Minimum of 1 year of experience in high volume debt collections, managing both inbound and outbound calls and meeting daily call volume targets.
• Exceptional conflict resolution and communication skills, including proven proficiency in active listening and de-escalation techniques during challenging calls.
• Strong negotiation abilities, capable of balancing adherence to company policy with genuine customer empathy to secure successful payment arrangements or settlements.
• Demonstrated high level of self-management for remote work, including superior time management, strict schedule adherence, and the ability to maintain focus, attention to detail, and perform multiple tasks simultaneously.
• Proven ability to think quickly and logically to creatively problem solve and resolve difficult issues effectively under pressure.

Pay

The budgeted hourly rate for this position is $18.00. Additional compensation for this role may include bonuses. All full-time employees are eligible to participate in Company benefits, described in more detail here.

Schedule

This role is fully remote but requires candidates to live in IL, UT, IN, IA, MO, WI, or WY. 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.

Benefits & Perks

• 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.

About Enova

Enova International is a leading financial technology company that provides online financial services through its AI and machine learning-powered Colossus™ platform. Serving non-prime consumers and businesses, Enova works with traditional banks to offer accessible credit for millions. Enova is committed to creating an inclusive and supportive workplace where employees can thrive, guided by its core values of listening to customers, challenging assumptions, thinking big, setting high expectations, and hiring and developing the best talent.