Lead Collection Specialist

OneMain Financial; Memphis (TN); On-site; USD 42,000 - 66,000; Full time

Benefits offered by this job

Health insurance

401(k) matching

Employee Stock Purchase Plan

Tuition reimbursement

Paid time off

Paid holidays

Volunteer time

Job summary

OneMain Financial is seeking a Lead Collections Specialist in Memphis, TN to drive delinquency goals across an assigned district. The role involves contacting customers, negotiating settlements, and partnering with branch managers to optimize performance.

The candidate should have 2-3 years in collections and strong negotiation and customer service skills, with willingness to travel as needed. This is an on-site, Monday–Friday role with occasional Saturday hours.

Qualifications

• High School Diploma or GED is required.
• 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 and prioritize effectively.
• Sound judgment and critical-thinking skills.
• Ability to influence, coach, and build trust with customers and colleagues.
• Willingness and ability to travel to branches as needed.

Responsibilities

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

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)