Collections Agent

Above Lending; Boulder (CO); On-site; USD 40,000 - 60,000; Full time

Benefits offered by this job

Health, dental, and vision programs

Generous PTO

401(k) matching program

Paid parental leave

Job summary

Above Lending is seeking a Consumer Collections Agent to engage with clients on their financial goals. Responsibilities include reviewing delinquent accounts, contacting clients for repayment solutions, and negotiating plans. A strong understanding of financial products and at least 2 years in consumer collections is required.

Competitive compensation includes base pay and commission, along with generous PTO and employer health contributions. Join a team that values customer service and client confidentiality in Boulder, Colorado.

Qualifications

• Minimum of 2 years’ experience in consumer collections.
• Strong understanding of financial products, services, and regulations.
• High level of integrity and commitment to maintaining client confidentiality.

Responsibilities

• Review and analyze delinquent accounts for resolution.
• Contact clients via phone and email for repayment solutions.
• Negotiate repayment plans with clients.

Skills

Verbal and written communication skills

Negotiation

Analytical skills

Problem-solving skills

Proficiency in Microsoft Office Suite

CRM software experience

Education

High school diploma or equivalent

Associate’s or bachelor’s degree in a related field

Job description

Overview

Above Lending is a next-generation financial services company. We provide simple and transparent products aimed at helping our clients achieve their personal finance goals. With competitive rates and personalized support, our mission is to simplify the lending process and help borrowers attain financial well-being. We are committed to making credit more affordable and accessible.

Shifts

10am – 7pm

Responsibilities

• Review and analyze delinquent accounts to determine the best course of action for resolution.
• Contact clients via phone and email to discuss their accounts and provide solutions for repayment and long-term goals.
• Negotiate repayment plans with clients in a professional and empathetic manner.
• Document all interactions and agreements with clients in the company’s system accurately and promptly.
• Conduct skip tracing activities to locate hard-to-reach or unresponsive customers using various investigative tools and techniques.
• Monitor accounts to ensure compliance with agreed-upon payment plans.
• Collaborate with internal departments, such as Customer Service and Special Handling, to resolve complex account issues.
• Maintain up-to-date knowledge of company policies, procedures, and regulatory requirements related to account resolution.
• Provide excellent customer service and support to clients throughout the resolution process.
• Identify and escalated unresolved issues to the Operations Manager when necessary.
• Participate in team meetings and training sessions to stay informed about industry trends and updates.

Qualifications

• High school diploma or equivalent; associate’s or bachelor’s degree in a related field is preferred.
• Minimum of 2 years’ experience in consumer collections.
• Strong understanding of financial products, services, and regulations.
• Excellent verbal and written communication skills.
• Ability to negotiate and resolve conflicts effectively.
• Strong analytical and problem-solving skills.
• Proficiency in Microsoft Office Suite and experience with CRM software.
• High level of integrity and commitment to maintaining client confidentiality.
• Ability to work independently and as part of a team in a fast-paced environment.

Benefits & Compensation

• Considerable employer contributions for health, dental, and vision programs.
• Generous PTO, paid holidays, and paid parental leave.
• 401(k) matching program.
• In addition to base compensation, this position qualifies for commission. Collections Agents earn a monthly commission based on the percentage of debt collected, subject to the terms outlined in the company’s commission plan. The compensation range is based on the level outlined in the job posting and is dependent on each applicant’s experience, skills, and abilities.

Legal Notice

Under the California Consumer Privacy Act ("CCPA"), Above Lending is informing California residents who are our job applicants, contractors or prospective employees (together "job applicants") about the categories of personal information we collect about you and the purposes for which we will use this information. This notice and our Privacy Policy contain important information relating to the CCPA and apply only to personal information that is subject to the CCPA. Please see our website for the full CCPA statement.

Equal Opportunity

Above Lending is an equal opportunity Employer