CashNetUSA Collections Representative (Remote)

Enova International; Chicago (IL); Hybrid; USD 20,000 - 29,000; Full time

Benefits offered by this job

Health, dental, and vision insurance

401(k) matching and Roth option

PTO & paid holidays

Sabbatical program

Summer hours

Paid parental leave

DEI groups

Employee recognition program

Charitable matching and volunteer day

Job summary

Enova International is seeking a Collections Representative to proactively contact customers with overdue accounts and collaboratively identify solutions to keep payments on track. The role emphasizes empathy, professionalism, and effective problem-solving in a remote-friendly setting.

Typically a full-time position with a budgeted hourly rate of $18.00, it includes bonus opportunities and comprehensive benefits as described in the posting.

Qualifications

• Minimum 1 year in high-volume debt collections with inbound/outbound calls.
• Strong conflict resolution and communication skills with de-escalation ability.
• Proven negotiation skills to secure payment arrangements or settlements.
• Self-management for remote work: time management and focus under pressure.
• Ability to think quickly to resolve difficult issues under pressure.

Responsibilities

• Handle high-volume inbound/outbound calls for delinquent accounts.
• Negotiate and execute payment arrangements per call flow.
• Resolve late-payment issues with professionalism and empathy.
• Explain consequences of overdue payments and offer financial options.
• Accurately record interactions, payment plans, and information in the database.

Skills

Debt collections

Customer empathy

Negotiation

Remote work

Conflict resolution

Job description

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

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

About the role

As a Collections Representative, your core responsibility will be to proactively contact customers with overdue accounts, understand their financial challenges, and collaboratively identify solutions to help them maintain consistent loan payments. This position requires comfort and expertise in navigating and resolving difficult customer situations with professionalism and empathy.

Responsibilities

• Manage high volume inbound and outbound calls efficiently to address customers with delinquent loan payments.
• Negotiate and execute effective payment arrangements, strictly following Enova's specific call flow to bring overdue accounts current.
• 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.
• Ensure all customer interactions, payment plans, and relevant information are accurately recorded and maintained in Enova's database.

Requirements

• A minimum of 1 year of experience in a high volume debt collections environment, successfully managing both inbound and outbound calls and consistently meeting daily call volume targets.
• Exceptional conflict resolution and communication skills, including proven proficiency in active listening and the application of 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.

Compensation

The budgeted hourly rate for this position is $18.00. 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.