The Collections Representative performs activities involving the collection of accounts that are delinquent and/or over the credit limit. The individual will analyze account status and determine appropriate action while following company policies and all applicable laws.
Summary of Essential Job Functions
Assertively communicate the importance of resolving delinquency.
Flexibility to work a wide variety of account types (i.e., NSF, Negative Day, and ANI).
Use experience and product knowledge to effectively overcome objections and resolve outstanding issues in a professional and controlled manner.
Review and analyze the situation of each customer and recommend payment plans following company guidelines.
Communicate the importance of maintaining credit and resolving delinquency.
Adhere to all Fair Debt Collections Practices Act (FDCPA) guidelines.
Perform other duties as assigned.
Position Requirements
High School diploma or equivalent required.
6-18 months Collections experience required.
Significant focus on team as well as individual achievement.
Ability to establish and maintain a diplomatic approach to collections.
Knowledge and proper presentation of all methods of payment to cure the account while promoting card utility.
Demonstrated skill in negotiating and conflict resolution.
Excellent verbal and written communication skills.
Intermediate computer skills.
Demonstrated ability to effectively educate cardholders towards proper management of their account.
Ability to work in a fast-paced environment and multi-task.
Previous call center experience preferred.
Credit One Bank, N.A. is a data-driven financial services company based in Las Vegas. Founded in 1984, Credit One Bank offers a spectrum of credit card products for people in all stages of financial life. Credit One Bank is an equal opportunity employer committed to diversity and inclusion and does not discriminate against any employee or applicant for employment because of age, race, religion, color, disability, sex, sexual orientation, or national origin. Reasonable accommodations can be made for those who require them, including access to job applications and workplace accommodations. Employment at Credit One Bank is based on mutual consent (also known as at-will). This means that employees and the Bank may terminate the employment relationship at any time, with or without cause and with or without notice. Please contact the recruiter for this position to learn more. Credit One Bank does not accept unsolicited resumes from agencies and is not responsible for related fees.