Collections Specialist ($20-$45/hr)

RIVO Holdings, LLC; San Diego (CA); On-site; USD 28,000 - 39,000; Full time

Benefits offered by this job

Optimal Work-Life Balance: No evenings

Childcare Support: up to $5,000/yr

Stay Fit for Free: weekly group-work

Padres Tickets access

Parking & Commute: company-paid

Generous Time Off: holidays and PTO

Comprehensive Health Coverage: medical

401(k) with employer matching

Job summary

RIVO Holdings, LLC in San Diego is seeking motivated collectors to negotiate payments on delinquent personal loan accounts. You’ll benefit from an uncapped bonus structure and daily new accounts, with a starting hourly rate of $20 and a comprehensive benefits package.

Expect a fast-paced, target-driven environment and ongoing training to accelerate earnings. Ideal candidates are coachable with strong negotiation, communication, and resilience, including Spanish language skills as a strong plus.

Qualifications

• High school diploma or GED required.
• Prior collections or call center experience preferred.
• Spanish language ability is a strong plus.
• Money-motivated with strong negotiation and drive to meet quotas.

Responsibilities

• Negotiate timely payment from customers by phone, email, text, and other channels in a call center environment.
• Meet and exceed individual collections quotas through negotiation and follow-up.
• Adhere to daily/monthly production KPIs and quotas.
• Use strong communication and persistence to drive customer payments with professionalism.
• Educate customers on benefits of resolving balances for future lending products.
• Maintain data accuracy and document interactions; assist with other duties as assigned.

Skills

Negotiation

Communication

Resilience

Coachable

Spanish (nice-to-have)

Education

High school diploma or GED

Job description

We are seeking money-motivated, competitive, and coachable collector candidates to join our growing Collections team where you will play a critical role in negotiating payment from customers who have fallen delinquent (past due) on their personal loan accounts.

As a collections agent at RIVO you will benefit from new accounts daily as well as an uncapped and lucrative bonus structure with unlimited earning potential! The more you collect and recover from customer accounts, the more you earn –

• Monthly bonus potential with top collectors earning $4k+ each month!
• Hands-on training program geared to set you up for success!
• Additional spiffs based on performance!

Job Description

What You’ll Do:

• Negotiate timely payment from customers by engaging in respectful and persuasive communication via phone, voicemail, email, and text in a call center environment – new collections accounts provided daily!
• Meet and exceed individual collections quotas through effective negotiation techniques, objection handling, and follow-up strategies.
• Adhere to daily and monthly production KPIs and collections performance metrics, including minimum collection quotas, call volume, on-call time etc.
• Utilize strong communication, effective negotiation techniques, persistence, and persuasion skills to drive customer payments with resilience and professionalism.
• Educate customers on the long-term benefits of resolving their collections account balance for future use of our lending products, services, and competitive advantages that will help them with their long-term financial goals.
• Maintain a professional demeanor, adhere to company processes, and ensure accuracy in data entry and record-keeping.
• Perform other duties and responsibilities as assigned.

Qualifications

What We Look For:

We are looking for hard working and coachable candidates who have a positive mindset and are eager to learn our unique Collections tactics and processes! If you are money motivated, have strong negotiation and communication skills with an intrinsic drive to meet collections quotas and grow your pay

• High school diploma, GED, or equivalent experience required.
• Prior collections experience in a quota driven position within a call center environment is strongly preferred.
• Prior work experience as a collector, collections agent, collections specialist, debt recovery specialist, debt collector, debt collections agent, debt consolidation, asset recovery specialist, asset recovery agent, accounts receivable, accounts receivable specialist, billing specialist, etc. is strongly preferred.
• Collecting on unsecured collections accounts strongly preferred.
• A positive attitude, resilience, and ability to handle rejection gracefully.
• Results-oriented and target-driven mindset with a willingness to go the extra mile to achieve collections quotas.
• Excellent negotiation skills and strong comfortability with persistence.
• Adaptability to evolving negotiation techniques, strategies, and product offerings.
• Exhibits a can-do attitude, is coachable, and motivated to achieve collections quotas.
• Extremely reliable and dependable.
• Strong ability to remain professional in escalated customer situations.
• Fluency in Spanish a strong plus!

Additional Information

At RIVO, you will find we recognize hard work and performance, foster a culture of growth, and encourage collaboration across departments. We value the unique skills and experiences that each employee brings to the table, recognizing that this diversity strengthens our company and helps us fulfill our core values: Respect, Integrity, Value, and Opportunity. If you share these same values and are eager to grow both personally and professionally, we encourage you to explore opportunities with us and join our dynamic team!

Company Benefits

• Optimal Work-Life Balance: Benefit from a schedule with no evening or weekend work – enjoy your weekends for relaxation and personal time
• Childcare Support: Receive up to $5,000 annually in childcare reimbursement to ease the balancing act of work and family
• Stay Fit for Free: Join our FREE weekly group workouts and keep your health and energy levels at their peak
• Company Events & Social Hours: Enjoy regular happy hours and company-wide events to celebrate achievements and build community with fellow employees
• Padres Tickets: Catch a Padres game with exclusive access to season long raffle drawings in the RIVO ticket section. Go Padres!
• Daily Perks: Savor FREE coffee, energy drinks, and snacks – fueling your productivity and satisfaction!
• Parking & Commute Made Easy: Say goodbye to commuting hassles and high gas prices – enjoy a company-paid parking or MTS pass
• Dedication Incentives: Opportunity to earn more money with our perfect attendance incentive – your dedication and reliability deserve recognition
• Generous Time Off: Recharge and live your best life with company paid holidays and PTO each year
• Comprehensive Health Coverage: Benefit from medical, dental, and vision plans with a 70/30 cost share—because your well-being is our priority
• Secure Your Future: Take advantage of our 401(k) plan with employer matching to invest in your future with confidence

We offer a comprehensive compensation and benefits package where you will be rewarded based on your performance and recognized for the value you bring to the business. The starting hourly rate for this job is $20.00 per hour.

RIVO Holdings, LLC is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, citizenship status, disability, age (40 years old or older) and genetic information (including family medical history), past or present military or veteran status, or any other characteristic protected by applicable law.