[Remote] Collections Representative (Remote)

Note: The job is a remote job and is open to candidates in USA. Enova International is a leading financial technology company that provides online financial services through their AI and machine learning-powered Colossus™ platform. They are seeking a Collections Representative to proactively contact customers with overdue accounts and help them maintain consistent loan payments while navigating difficult customer situations with professionalism and empathy.

Responsibilities

• Manage high volume inbound and outbound calls efficiently to address customers with delinquent loan payments
• Negotiate and execute effective payment arrangements, strictly following Enova's specific call flow to bring overdue accounts current
• Resolve customer concerns and complex issues related to late payments, maintaining a high level of professionalism and empathy
• Communicate clearly and effectively with customers, explaining the implications of overdue payments and offering assistance for financial resolution
• Ensure all customer interactions, payment plans, and relevant information are accurately recorded and maintained in Enova's database

Skills

• A minimum of 1 year of experience in a high volume debt collections environment, successfully managing both inbound and outbound calls and consistently meeting daily call volume targets
• Exceptional conflict resolution and communication skills, including proven proficiency in active listening and the application of de-escalation techniques during challenging calls
• Strong negotiation abilities, capable of balancing adherence to company policy with genuine customer empathy to secure successful payment arrangements or settlements
• Demonstrated high level of self-management for remote work, including superior time management, strict schedule adherence, and the ability to maintain focus, attention to detail, and perform multiple tasks simultaneously
• Proven ability to think quickly and logically to creatively problem solve and resolve difficult issues effectively under pressure

Benefits

• Health, dental, and vision insurance including mental health benefits
• 401(k) matching plus a roth option (U.S. Based employees only)
• PTO & paid holidays off
• Sabbatical program (for eligible roles)
• Summer hours (for eligible roles)
• Paid parental leave
• DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
• Employee recognition and rewards program
• Charitable matching and a paid volunteer day…Plus so much more!

Company Overview