Internal - Collections Representative I - S1

About the role

The Collections Representative performs activities involving the collection of accounts that are delinquent and/or over the credit limit. The individual will analyze account status and determine appropriate action while following company policies and all applicable laws.

Responsibilities

• Assertively communicate the importance of resolving delinquency.
• Flexibility to work a wide variety of account types (i.e., NSF, Negative Day, and ANI).
• Use experience and product knowledge to effectively overcome objections and resolve outstanding issues in a professional and controlled manner.
• Review and analyze the situation of each customer and recommend payment plans following company guidelines.
• Communicate the importance of maintaining credit and resolving delinquency.
• Adhere to all Fair Debt Collections Practices Act (FDCPA) guidelines.
• Perform other duties as assigned.

Requirements

• High School diploma or equivalent required.
• 6-18 months Collections experience required.
• Significant focus on team as well as individual achievement.
• Ability to establish and maintain a diplomatic approach to collections.
• Knowledge and proper presentation of all methods of payment to cure the account while promoting card utility.
• Demonstrated skill in negotiating and conflict resolution.
• Excellent verbal and written communication skills.
• Intermediate computer skills.
• Demonstrated ability to effectively educate cardholders towards proper management of their account.
• Ability to work in a fast-paced environment and multi-task.
• Previous call center experience preferred.

Credit One Bank, N.A. is a data-driven financial services company based in Las Vegas, offering a spectrum of credit card products for people in all stages of financial life.