Collections Specialist (US Collections)

Neu Money; Bengaluru; Hybrid; INR 600,000 - 1,000,000; Full time

Job summary

Neu Money, Inc. in Bengaluru is hiring a Collections Specialist to manage a portfolio of past-due US credit card accounts. You will communicate via phone, email, SMS, and written channels, offering structured repayment options while ensuring compliance with US regulations.

Strong negotiation and empathy are essential for success. You will work with dialers, CRM, and collections software, ensuring accurate documentation, and collaborating with the team to improve the collections process.

Qualifications

• 2–3 years of US collections experience required.
• Excellent spoken and written English.
• Strong negotiation and conflict resolution skills.
• Ability to lead difficult conversations with patience and empathy.
• Hands-on experience with dialers, CRM, and collections software.
• Organized and detail oriented; meticulous documentation.
• Open to feedback and continuous learning.
• Credit card or FinTech collections experience is a plus.
• Immediate joiners or candidates with short notice preferred.

Responsibilities

• Manage a portfolio of past-due US credit card accounts by phone, email, SMS, and written communication.
• Engage customers with empathy and professionalism to understand their financials.
• Offer and negotiate repayment options within company guidelines.
• Explain balances, fees, and how status affects credit reporting.
• Process payments and help set up recurring payments.
• Document all interactions and agreements accurately.
• Handle escalated or sensitive accounts calmly.
• Share trends and ideas to improve the collections experience.

Skills

US collections experience

English proficiency

Negotiation

Conflict resolution

Empathy in conversations

Dialers

CRM

Collections software

Detail-oriented

Feedback culture

Tools

Dialers

CRM

Collections software

Job description

Neu Money, Inc. exists to help people new to credit build healthier financial futures. We believe our customers deserve to be treated as humans, not account numbers. Our teams lead with empathy, transparency, and respect while holding high standards of accountability. If you're passionate about helping people work through financial challenges without judgment, you'll feel right at home here.

The Role

We're looking for a Collections Specialist who can balance compassion with consistency. You'll work directly with US customers to resolve past-due accounts through respectful communication, clear education, and flexible repayment solutions, always in full compliance with US regulations. You'll play a key role in both customer trust and company success.

What You'll Do

Manage a portfolio of past-due US credit card accounts and follow up with customers by phone, email, SMS, and written communication

Engage customers with empathy and professionalism to understand their financial situation

Offer and negotiate repayment options such as payment plans or settlements within company guidelines

Clearly explain balances, fees, interest charges, and how account status may affect credit reporting

Process payments securely and help customers set up recurring or automatic payments

Maintain accurate, thorough documentation of all customer interactions and agreements

Handle escalated or sensitive accounts calmly and effectively

Share trends, risks, or ideas for improving the collections experience

Compliance Matters Here

Conduct all collection activity in line with FDCPA, Reg F, TCPA, FCRA, UDAAP, and CFPB guidelines

Safeguard sensitive customer information and maintain strict confidentiality

Uphold Neu Money's standards. No aggressive, deceptive, or unfair practices. Ever.

What We're Looking For

Minimum 2-3 years of US collections experience (first-party or third-party) is a must

Working knowledge of FDCPA, Reg F, and TCPA

Excellent spoken and written English, comfortable handling US customers

Strong negotiation and conflict resolution skills

Ability to lead difficult conversations with patience and empathy

Hands-on experience with dialers, CRM, and collections software

Organized, detail oriented, and committed to accurate documentation

Open to feedback, continuous learning, and growth

Credit card or FinTech collections experience is a plus

Immediate joiners or candidates with short notice periods preferred

Work Location & Schedule

Full time, based in Bangalore

Onsite, with hybrid or remote options based on business requirements

Night shift aligned to US hours: 9:30 PM to 6:30 AM IST (timings adjust with US daylight saving changes)

Monday to Friday, plus alternate Saturdays