Account Solutions Representative

Credit Acceptance • Minneapolis, MN

4d • $18 - $21 • Remote

About The Position

Credit Acceptance is hiring an Account Solutions Representative for its Operations team. The role focuses on helping customers who are behind on car payments avoid becoming further past due, bring their accounts current when possible, and stop or cancel vehicle repossessions. Representatives contact customers lawfully and professionally, discuss sensitive financial matters, propose solutions suited to each customer’s situation, and provide additional customer service.

The position spends most of the workday handling inbound and outbound calls through the company phone system. Representatives use the company call model to establish payment promises, process one-time and recurring payments over the phone, update customer contact or vehicle information, and document account notes while speaking with customers. Team members are expected to act on ongoing performance feedback, follow company policies and legal guidelines, and complete other duties as assigned.

The role includes mandatory five-week virtual training, Monday through Friday from 10 a.m. to 7 p.m. CST, starting January 4, 2027. After training, one of two schedules applies; each includes specified early or late shifts, days off, and flexible days. The position is remote, with a high-speed internet requirement of at least 15 Mbps download speed. Target compensation is $17.75–$20.85 per hour based on experience, plus an uncapped monthly performance bonus. The estimated average bonus target is $700 per month, with pay issued biweekly and annual hourly increases based on performance.

Requirements

• High school diploma or GED.
• High-speed internet connection with a minimum download speed of 15 Mbps.
• Ability to communicate clearly, professionally, and articulately over the telephone.
• Ability to talk and type simultaneously while documenting relevant notes.
• Ability to negotiate, discuss sensitive financial issues, overcome objections, and develop solutions for customers.
• Ability to remain positive, professional, determined, calm, and focused in challenging situations.
• Ability to understand and interpret information promptly and effectively.
• Self-motivation and ability to work with minimal supervision in a team environment.
• Receptiveness to ongoing feedback.
• Comfort with repetitive tasks and sitting while wearing a headset and talking on the phone for most of the day.
• Ability to manage a flexible work schedule.
• Ability to identify basic computer components and assemble or troubleshoot company-issued equipment using written and verbal instructions.
• Ability to operate company-issued equipment, which may include a computer, headset, and camera.
• Ability to navigate multiple computer programs simultaneously.
• Knowledge of Microsoft Office products such as Outlook and Teams.
• Ability to work independently and in a team environment.
• Required degrees must have been earned at an institution accredited by the Council for Higher Education Accreditation or an equivalent accrediting body.

Nice To Haves

• Previous customer service and/or collections experience in a call center environment.
• Experience in the finance or automotive industry.
• Experience in a role requiring excellent customer support or persuasive skills.

Responsibilities

• Handle inbound and outbound customer calls through the company phone system for the majority of the workday.
• Contact customers who are behind on car payments consistently, efficiently, professionally, and in compliance with applicable laws.
• Develop and propose solutions to help customers avoid becoming further past due and bring their accounts current where possible.
• Set up payment promises and work to stop or cancel vehicle repossessions based on each customer’s situation.
• Process one-time and recurring payments over the phone.
• Identify and update customer contact and vehicle information.
• Document account notes clearly and efficiently while speaking with customers.
• Support additional customer service requests.
• Receive and act on ongoing feedback aimed at improving individual and team performance.
• Follow company policies, processes, and legal guidelines; meet department attendance requirements and perform other duties as assigned.

Benefits

• 401(k) match.
• Adoption assistance.
• Parental leave.
• Tuition reimbursement.
• Comprehensive medical, dental, and vision coverage.
• Additional nonstandard benefits.
• Uncapped monthly performance bonus, with an estimated average target of $700 per month.
• Annual hourly pay increase based on performance.
• Biweekly pay.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED