Lead Collection Specialist

OneMain Financial; Memphis (TN); On-site; USD 40,000 - 65,000; Full time

Benefits offered by this job

Health benefits

401(k) match

Stock Purchase Plan

Tuition reimbursement

PTO

Sick leave

Holidays

Volunteer time

Job summary

OneMain Financial is seeking a Lead Collections Specialist to drive collections performance across an assigned district. You will work directly with customers, supporting Memphis branches, and balance empathy with accountability to resolve past-due accounts through repayment or settlement options.

The role requires leading high-volume collections activity, collaborating with Branch Managers, and coaching team members on delinquency management while ensuring compliance with policies and

Qualifications

• High School Diploma or GED.
• 2-3 years of related experience in collections, consumer lending, financial services, or account resolution.
• Strong customer service, relationship-building, and negotiation skills.
• Ability to manage a high-volume workload, prioritize effectively, and achieve performance goals.
• Willingness to travel to branches within and outside the assigned district.

Responsibilities

• Manage a high volume of collection activity across an assigned district, with a focus on achieving delinquency goals.
• Contact customers to understand their circumstances and help resolve past-due accounts through repayment or settlement arrangements.
• Use approved tools to identify solutions that support both the customer and the business.
• Negotiate effectively while delivering a respectful and positive customer experience.
• Partner with Branch Managers and branch teams to identify performance trends and provide targeted collections support.
• Train and coach branch team members on delinquency management, account resolution techniques, and collection best practices.
• Work closely with the District Manager to prioritize support based on branch and business needs.
• Maintain accurate and timely account documentation while following all company policies and applicable regulatory requirements.
• Travel to branches within and outside the assigned district as needed; eligible travel will be reimbursed per policy.

Skills

Customer service

Negotiation

Relationship building

Communication

Travel readiness

Education

High School Diploma or GED

Job description

Lead Collections Specialist

Our Lead Collection Specialists help drive performance across an assigned district by working directly with customers and supporting branch teams. You’ll use a consultative, solutions-focused approach to help customers resolve past-due accounts through appropriate repayment or settlement options. We’re looking for a results-driven professional who can balance empathy with accountability, negotiate effectively, build strong relationships, and coach others toward success.

This position will have a primary home branch and will provide support to other Memphis branches based on business needs.

In the Role

• Manage a high volume of collection activity across an assigned district, with a focus on achieving delinquency goals.
• Contact customers to understand their circumstances and help resolve past-due accounts through repayment or settlement arrangements.
• Use approved tools to identify solutions that support both the customer and the business.
• Negotiate effectively while delivering a respectful and positive customer experience.
• Partner with Branch Managers and branch teams to identify performance trends and provide targeted collections support.
• Train and coach branch team members on delinquency management, account resolution techniques, and collection best practices.
• Work closely with the District Manager to prioritize support based on branch and business needs.
• Maintain accurate and timely account documentation while following all company policies and applicable regulatory requirements.
• Travel to branches within and outside the assigned district as needed. You’ll have a primary home branch, and eligible travel will be reimbursed in accordance with company policy.

Requirements

• High School Diploma or GED
• 2-3 years of related experience in collections, consumer lending, financial services, or account resolution
• Strong customer service, relationship-building, and negotiation skills.
• Ability to manage a high-volume workload, prioritize effectively, and consistently work toward performance goals.
• Sound judgment, critical-thinking skills, and the ability to make informed decisions.
• Ability to influence, coach, and build trust with customers and colleagues.
• Willingness and ability to travel to branches within and outside the assigned district.
• Ability to successfully complete all required training programs.

Preferred

• Previous experience coaching, mentoring, or training others.
• Experience supporting multiple branches, locations, or teams.

Location:

On site

Schedule:

The schedule for this position is Monday-Friday during standard business hours, with some extended hours during the week as needed which may include Saturday.

Who We Are

OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we’ve looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future.

Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, we’re committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There’s never been a better time to shine with OneMain.

Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. That’s why we’ve packed our comprehensive benefits package for full- and some part-timers with:

• Health and well-being options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
• Up to 4% matching 401(k)
• Employee Stock Purchase Plan (10% share discount)
• Tuition reimbursement
• Paid time off (15 days’ vacation per year, prorated based on start date)
• Paid sick leave as determined by state or local ordinance (prorated based on start date)
• 11 Paid holidays (including 4 floating holidays, prorated based on start date)
• Paid volunteer time (3 days per year, prorated based on start date)