Account Representative - Covered Care

Westlake Financial; Las Vegas (NV); On-site; USD 42,000 - 86,000; Full time

Benefits offered by this job

Medical, Dental, and Vision benefits

401K matching

Employee Stock Ownership Program

Paid vacation days

Paid sick days

Paid holidays

Job summary

Westlake Financial seeks a Collections Representative for Covered Care in Las Vegas to help customers become current on past-due accounts. You will handle calls, negotiate payment plans, and use skip-tracing tools to locate accounts while maintaining confidentiality and compliance.

Ideal candidates have 1+ year in consumer collections, strong communication, and a solid understanding of FDCPA. This on-site role offers benefits and performance-based incentives in a dynamic team setting.

Qualifications

• Strong communication and negotiation skills with a professional phone presence.
• Understanding of collection laws, including the FDCPA.
• Proficient with computers — data entry, web apps, and Microsoft Excel & Outlook.
• At least one year of consumer collections experience in a high call-volume environment.
• High school diploma or equivalent required.

Responsibilities

• Handle inbound and outbound calls, providing friendly, professional support and following policies.
• Set up payments or create plans to resolve past-due accounts.
• Negotiate fair payment solutions while meeting performance goals.
• Keep detailed notes on all interactions and actions.
• Listen actively and communicate clearly with customers, teammates, and management.
• Use skip-tracing tools to locate customers or collateral when needed.
• Support department goals by reducing delinquency and maintaining quality and compliance.
• Manage a high volume of calls in a fast-paced team environment.
• Protect confidential information related to customers and accounts.

Skills

Communication skills

Negotiation

Phone etiquette

Multitasking

FDCPA knowledge

Customer service

One year collections experience

Education

High school diploma or equivalent

Tools

Excel

Outlook

Job description

Covered Care - Early to Mid Stage Collections
Las Vegas, NV | On-site

Why Covered Care?

• Base Pay:
• $20.00 per hour plus bonus potential of up to $3,000 monthly based on individual and team performance.
• *Incentive:
• If the department exceeds its goal, eligible agents in the bonus range will receive a \"kicker\" ranging from $100.00 to $750.00, based on goal achievement.
• * All agent incentive opportunities may vary monthly, and are not guaranteed, and are subject to change.

What You’ll Do:

As a Collections Representative, you’ll play an important role in helping customers get back on track with their accounts while supporting Wilshire Consumer’s success. You’ll use technology, communication, and problem-solving skills to assist customers who are 31+ days past due and help prevent loan losses through smart, compassionate collection efforts.

• Handle inbound and outbound calls — providing friendly, professional support and following company policies and procedures.
• Reach out to customers to set up payments or create plans to resolve past-due accounts.
• Negotiate fair payment solutions while meeting performance and productivity goals.
• Keep detailed and accurate notes on all customer interactions and account actions.
• Listen actively and communicate clearly with customers, teammates, and management to resolve concerns and ensure a positive experience.
• Use skip-tracing tools to locate customers or collateral when needed.
• Work toward department goals by helping reduce delinquency rates and maintaining quality and compliance standards.
• Manage a high volume of calls in a fast-paced, supportive team environment.
• Protect confidential information related to customers, accounts, and company operations.

What We’re Looking For:

• Strong communication and negotiation skills with a professional phone presence.
• Flexible schedule — open to working overtime and weekends when needed.
• Able to multitask and stay organized in a fast-paced environment.
• Understanding of collection laws, including the Fair Debt Collection Practices Act (FDCPA).
• Proficient with computers — comfortable with data entry, web-based applications, and Microsoft Excel & Outlook.
• Excellent telephone etiquette and ability to connect with customers respectfully.
• Team player with a positive attitude and dependable work ethic.
• At least one year of consumer collections experience in a high call-volume, auto-dialer environment.
• High school diploma or equivalent required.

Full-time Benefits

• Medical, Dental, and Vision benefits
• Life Insurance and Long-term disability plans
• Flexible Spending Account
• 401K matching
• Employee Stock Ownership Program in a $18.2 Billion Company, plus company matching
• Wellness Programs
• Metro Tap Card and Metro-link Reimbursement (for Los Angeles, CA employees only)
• Career Path Opportunities
• Discounts on Parks, Museums, Movie Tickets, and Attractions
• Annual Flu Shot
• Paid Vacations Days
• Paid Sick days
• Paid holidays
• HGym (available in our Los Angeles, CA & Dallas,TX office)
• Rental Car Discounts, Dell Member Purchase Program
• UKG Wallet

About Us

Westlake Financial is the largest privately held auto finance company in the United States with demonstrated growth year over year. We continue to expand our teams and diversify our business model. This leads to cementing us as a leader in the automotive lending industry.

Westlake continues to grow its market share within the Auto Industry with assets in excess of 22B. We have business relationships in all 50 states, including Puerto Rico. We are looking to acquire talented individuals as we expand our market share. Westlake Financial believes in PEOPLE with the PURPOSE and PASSION to assist our more than 22,000 dealer partners throughout North America.

ACKNOWLEDGMENTS

We will consider for employment all qualified Applicants, including those with Criminal Histories, in a manner consistent with the requirements of applicable state and local laws, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance.We are an equal opportunity employer and do not unlawfully discriminate in employment. No question on this application is used for the purpose of limiting or excluding any applicant from consideration for employment on a basis prohibited by local, state, or federal law. Equal access to employment, services, and programs is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the organization.

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