Collections Agent

Above Lending, Inc.; United States; On-site; USD 36,000 - 60,000; Full time

Benefits offered by this job

Health benefits

PTO

401(k)

Job summary

Above Lending, Inc. is seeking a Collections Agent to manage early-stage delinquent accounts with a focus on compliant, customer-friendly resolutions.

The role requires strong communication and negotiation skills to review accounts, discuss repayment options, and document outcomes. You will work with internal teams, perform skip tracing, and help ensure adherence to regulatory requirements while delivering excellent service and meeting performance goals.

Qualifications

• High school diploma or equivalent; Associate’s or Bachelor’s degree preferred.
• Minimum 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.

Responsibilities

• Review and analyze delinquent accounts to determine best resolution.
• Contact clients via phone and email to discuss repayment options and long-term goals.
• Negotiate repayment plans in a professional and empathetic manner.
• Document interactions and agreements in the company system accurately.
• Conduct skip tracing to locate hard-to-reach customers using investigative tools.
• Monitor accounts for compliance with payment plans.
• Collaborate with Customer Service and other departments to resolve issues.
• Stay updated on company policies and regulatory requirements related to collections.

Skills

Communication

Negotiation

Analytical thinking

Teamwork

Independent work

Education

High school diploma

Associates or Bachelors preferred

Tools

CRM software

Microsoft Office

Job description

Above Lending is a next-generation financial services company helping everyday Americans break the cycle of high-cost debt and move toward a stronger financial future. Through customized lending solutions, competitive rates, and personalized support, our mission is to simplify the lending process and help our clients achieve financial well-being. We are committed to making credit more affordable and accessible; backed by a culture grounded in compliance and ethics, and technology built around the people we serve.

We are growing quickly, and we are looking for new collaborators to help us reach the next level. If you want to join a forward-thinking, rapidly growing organization where helping people is the number one goal, we want to hear from you.

A Collections Agent will play a crucial role in managing and resolving early-stage delinquent accounts. This position requires excellent communication skills, a strong understanding of customer behavior, and the ability to negotiate effectively. The successful candidate will be responsible for reviewing and analyzing accounts, engaging clients to resolve outstanding issues, and ensuring that accounts are managed in accordance with company policies and regulatory requirements.

We are looking for agents available to work the following shifts:

10am to 7pm

Above Lending is a next-generation financial services company helping everyday Americans break the cycle of high-cost debt and move toward a stronger financial future. Through customized lending solutions, competitive rates, and personalized support, our mission is to simplify the lending process and help our clients achieve financial well-being. We are committed to making credit more affordable and accessible; backed by a culture grounded in compliance and ethics, and technology built around the people we serve.

We are growing quickly, and we are looking for new collaborators to help us reach the next level. If you want to join a forward-thinking, rapidly growing organization where helping people is the number one goal, we want to hear from you.

A Collections Agent will play a crucial role in managing and resolving early-stage delinquent accounts. This position requires excellent communication skills, a strong understanding of customer behavior, and the ability to negotiate effectively. The successful candidate will be responsible for reviewing and analyzing accounts, engaging clients to resolve outstanding issues, and ensuring that accounts are managed in accordance with company policies and regulatory requirements.

You will

• 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 escalates unresolved issues to the Operations Manager when necessary
• Participate in team meetings and training sessions to stay informed about industry trends and updates

You have

• High school diploma or equivalent; Associate’s or Bachelor’s degree in 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

We offer

• Considerable employer contributions for health, dental, and vision programs
• Generous PTO, paid holidays, and paid parental leave
• 401(k) matching program

Join our dynamic team and contribute to Above Lending’s success as we continue to provide innovative lending solutions to our customers.

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 CCAA statement.

*Above Lending is an equal opportunity Employer*

Above Lending does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job positions. No fee will be paid to their parties who submit unsolicited candidates directly to Above Lending employees or the Above Lending Finance and HR teams. No placement fee will be paid to any third party unless such a request has been made by the Above Lending HR team.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

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 compensation decisions are dependent on each applicant's experience, skills and abilities