Collection Representative (Remote-NC)
About The Position
This position is fully remote, but candidates must be residents of Wisconsin, Kansas, Georgia, Oklahoma, Florida, Arkansas, or Tennessee. The role offers uncapped earnings and career growth for competitive, goal-oriented individuals motivated by unlimited earning potential. As a Collection Representative, you will join a growing Collection Team, where top performers are rewarded. The role involves working directly with consumers who have past-due medical balances, guiding them toward practical, mutually beneficial payment solutions with dignity, respect, and professionalism. This is a performance opportunity for individuals seeking control over their income, a clear path to success, and a professional environment that rewards effort and results.
Requirements
- Able to communicate clearly, both verbally and in writing, and utilize proper grammar and telephone etiquette and provided electronic tools.
- Able to navigate multiple computer applications and databases.
- Able to multitask and can communicate on the phone and navigate multiple computer systems simultaneously.
- Able to overcome objections and obstacles to negotiate payment successfully.
- Reliable and responsible. Arrives on time and uses time productively.
- Possesses and demonstrates professional judgement.
- Understands sensitive personal information (SPI) and sensitive consumer information (i.e. Protected Health Information (PHI)) while maintaining the confidentiality of this information.
- Able to use tools provided to compute basic math calculations using addition, subtraction, multiplication, division, and percentages.
- Self-motivation and committed to career success.
- Willingness and ability to obtain Professional Collections Specialist (PCS) certification within one year of date of hire (paid for by company).
- High School Diploma or equivalent (i.e., GED) required.
- Ability to successfully complete company collector training program.
- Clear initial and annual criminal and background check.
Responsibilities
- Handle high-volume outbound and inbound calls with professionalism and confidence
- Negotiate payment arrangements that meet both consumer needs and company goals
- Consistently meet and exceed performance metrics (quality, compliance, collections)
- Maintain accurate documentation and follow all required laws and standards
- Build trust quickly through active listening, empathy, and strong communication.
- Accomplishes minimum requirements for KPIs including call quality scores monthly and minimum fees.
- Contacts consumer regarding past due balance and negotiates payment terms and methods within guidelines. Overcomes common objections, practices how to overcome more challenging ones. Suggests money sources for debt payment.
- Updates account notes and other documentation in real time while working with consumers making few errors.
- Handles high volume of inbound consumer calls while on dialer and places outbound calls.
- Effectively uses scripts/verbatims and navigates within guidelines to maximize potential recovery on each call.
- Ensures legal (i.e. FDCPA, state and other) compliance requirements are followed.
- Learns and operates with proficiency within the systems and programs used for collections
Benefits
- Paid medical insurance with personalized plan selection assistance
- Company provided Short-Term Disability, and basic Life Insurance
- Optional Dental, Vision, Long-Term Disability, and additional Life Insurance
- Generous PTO (3 weeks annually, increases with tenure) plus holidays and make-up time
- 401(k) with the option to deposit annual discretionary bonus
- Company-provided equipment
- Access Perks employee discount program (retail, travel, food, entertainment)
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
Number of Employees
1-10 employees
