Collections Specialist

Reprise Financial; Irving (TX); Hybrid; USD 25,000 - 28,000; Full time

Benefits offered by this job

Health insurance

401(k) with Safe Harbor Match

Paid time off & floating holidays

Paid parental leave

Monthly incentive bonus

Technology stipend

Job summary

Reprise Financial is seeking a Collections Specialist to manage delinquent accounts, negotiate payment plans, and modify loans as needed. The role emphasizes timely debt resolution, accurate record-keeping, and delivering excellent customer service in a hybrid environment.

Located in Irving, TX, the position starts with onsite training and moves to home-based work with monthly onsite days. A monthly incentive bonus is available in addition to base compensation.

Qualifications

• Knowledge of billing procedures and collection techniques (e.g., skip tracing).
• Knowledge of collection practices and related regulations preferred.
• 1+ years of customer service or call center experience required.
• Experience in financial services, lending or payments preferred.
• High school diploma or equivalent.

Responsibilities

• Monitors and contacts customers with outstanding debts.
• Reviews payment options, extensions, and loan modifications to bring accounts to active status.
• Process payments and assist with setting up recurring or single payments.
• Answer questions related to account maintenance (balances, payments, address changes).
• Encourage timely debt payments and maintain account records in the core system.
• Report on collection activity and account status; research discrepancies.

Skills

Billing procedures

Collection techniques

Regulations knowledge

Customer service

Bi-Lingual Spanish

Education

High school diploma or equivalent

Job description

Reprise Financial is on a mission to simplify the financial journey for our customers, making personal loans accessible and transparent. We leverage technology and a customer-first approach to provide fast, reliable personal loans of up to $25,000, ensuring our clients receive the support they need without hidden fees or complex terms. Our commitment to integrity and clarity allows us to foster trust and empower individuals to take control of their finances.

At Reprise Financial, we foster a workplace built on innovation, collaboration, and kindness. Our mission to simplify the financial journey for our customers inspires us to exceed expectations and make a meaningful impact.

We provide the tools, resources, and support for employees to thrive in a dynamic, customer-focused environment. Transparency, continuous improvement, and open communication drive our culture of trust and excellence, where new ideas are valued, and growth is encouraged.

Join Reprise Financial and be part of a team where your contributions are recognized, and you have the opportunity to innovate, grow, and make a positive difference.

About the role

The Collections Specialist role is key to the success of the Reprise Portfolio. This role follows up with our customers to ensure timely payments, loss mitigation, and loan modifications.

Key Responsibilities

• Monitors and contacts customers with outstanding debts

• Works to bring customers into active status by reviewing payment options, extensions, loan modifications, etc.

• Process payments from customers, assists them with setting up recurring or single payments

• Answer customer questions related to general account maintenance (ex: balances, payments, address changes, etc.)

• Takes actions to encourage timely debt payments

• Ensure account maintenance is updated within core system of record

• Report on collection activity and account status

• Research history such as ACH transactions, disputes, posting errors, and submits corrections

• May support other functions within Collections and Servicing teams

• Other duties as assigned

Skills, Knowledge, and Expertise

• Knowledge of billing procedures and collection techniques (ex: skip tracing)

• Knowledge of collection practices and associated regulations preferred

• 1+ years of customer service or call center experience is required

• Experience working in financial services, lending or payments preferred

• High school diploma or equivalent

• Bi-Lingual (Spanish) preferred

Location

This position offers a hybrid work arrangement following an initial onsite training period. The next class begins September 14, with the first three weeks of training conducted onsite in Irving, Texas. After that, team members will work from home, with one mandatory onsite training day per month in Irving, Texas.

Compensation

For this role, the hourly pay range is $18.00 to $20.00, based on relevant experience and qualifications. This position is also eligible for a monthly incentive bonus program, providing the opportunity to earn additional compensation based on individual performance and the terms of the company’s incentive plan.

Schedule

This role follows a standard Monday-Friday daytime schedule, with one late-night shift each week. Team members also work rotating Saturdays. Additional Saturdays may occasionally be required based on business needs.

Benefits That Support Your Success

• Stay Healthy & Happy: Comprehensive medical, dental, and vision coverage, contributions to a Health Savings Account (HSA), and access to an Employee Assistance Program (EAP) to support your mental health and overall well-being.

• Secure Your Future: Plan ahead with our 401(k) program, featuring a Safe Harbor Match (100% of the first 3% and 50% of the next 2%).

• Time That Works for You: Recharge with accrued time off, company holidays, sick time, and 3 floating holidays - perfect for celebrating your birthday, your dog’s birthday, or just a random Tuesday!

• Support for Growing Families: Our 12-week Paid Parental Leave ensures you have the time and support to focus on your family during life’s biggest moments.

• Competitive Rewards: Market-driven salary and bonus opportunities ensure your hard work is recognized and rewarded.

• Tools for Success: Stay connected and productive with a robust tech package designed to help you deliver your best every day.

Equal Employment Opportunity Employer

At Reprise Financial, we are dedicated to fostering an inclusive community where every individual is valued. We are an Equal Employment Opportunity employer—ensuring that all qualified applicants and employees receive consideration for employment without regard to age, race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender, gender identity, physical or mental disability, veteran status, genetic information, ethnicity, citizenship, or any other characteristic protected by law.

We believe that diversity strengthens our organization and drives innovation, and we are committed to creating a workplace that reflects the rich variety of our communities.