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Job Summary

The Bread Collections Associate, will assist customers who are behind on payments, helping them to become current. Contact customers professionally and respectfully to discuss payment options and create manageable repayment plans. Strong communication and negotiation skills are essential to working with customers to find solutions that benefit everyone. Additionally, you'll play a vital role in maintaining accurate records and adhering to all relevant regulations.

 

Essential Job Functions

• Professionally contact customers via phone to arrange account updates and resolve outstanding balances. Adhere to internal policies and procedures to ensure a positive customer experience and compliance with FDCPA and state regulations. - (40%)
• Demonstrate exceptional empathy and communication skills to build rapport and navigate challenging customer interactions. Collaborate with customers utilizing strong communication and analytical skills to develop realistic and manageable solutions for bringing accounts current. - (30%)
• Investigate, research, and track consumer information using skip tracing tools, adhering to data privacy regulations. Maintain thorough and accurate documentation of all customer interactions, account activity, and collection efforts. Ensure 100% data integrity in CRM system documentation for all customer interactions. - (20%)
• Proactively identify opportunities to streamline collection processes and enhance team efficiency. Communicate improvement ideas and collaborate with the team to implement positive changes. - (10%)

Minimum Qualifications

• High School Diploma or GED
• 1+ years experience in collections, call center, or sales

Preferred Qualifications

• If the role is listed as “Bilingual,” must be able to pass a bilingual assessment (English/Spanish).
• 2+ years experience in collections, call center, or sales

Skills

• Auto Dialer
• Call Center
• Customer Service
• Debt Collections
• First-Party Collections
• Problem Solving

Reports To: Supervisor and above

Direct Reports: 0

Work Environment

• Call Center environment. Schedule flexibility to work 40 hours per week including days, evenings, weekends and some holidays.

Physical and Mental Requirements

To perform this job successfully, an individual must be able to perform each essential job function satisfactorily and meet the physical, mental and work environment requirements. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions, absent undue hardship.

• Communicate/Hearing
• Communicate/Talking
• Stationary Position/Seated
• Typing/Writing
• Focus and complete tasks in situations that have a speed or productivity metric
• Maintain focus in high pressure or fast-paced work environment

Salary Range:

Starting pay scale is $18.00-$19.00 an  hour. The actual base pay within this range may be dependent upon many factors, which may include, but are not limited to, work location, education, experience, and skills.

General Description of Bonus Structure: This role is eligible for monthly incentives.

Other Duties

This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time.

Pay Range:

$18.00 - $24.00

The actual base pay within this range may be dependent upon many factors, which may include, but are not limited to, work location, education, experience, and skills.

This job is eligible for 10%/hr premium for hours worked between 5pm-6am and all weekend hours (given specific requirements are met).

Bread Financial offers medical, prescription drug, dental, vision, and other voluntary benefits (including basic and optional life insurance, supplemental medical plans, and short and long-term disability) to eligible associates (regular full-time associates scheduled to work 30 hours per week or more) and their spouses/domestic partners, and child(ren) under the age of 26.  New associate elected coverage begins on date of hire (with the except