Lead Collections Specialist

OneMain Financial • Charlotte, NC

3d • Onsite

About The Position

Our Lead Collection Specialists help drive performance across an assigned district by working directly with customers and supporting branch teams. You’ll use a consultative, solutions-focused approach to help customers resolve past-due accounts through appropriate repayment or settlement options. We’re looking for a results-driven professional who can balance empathy with accountability, negotiate effectively, build strong relationships, and coach others toward success.

Requirements

• High School Diploma or GED
• 2-3 years of related experience in collections, consumer lending, financial services, or account resolution
• Strong customer service, relationship-building, and negotiation skills.
• Ability to manage a high-volume workload, prioritize effectively, and consistently work toward performance goals.
• Sound judgment, critical-thinking skills, and the ability to make informed decisions.
• Ability to influence, coach, and build trust with customers and colleagues.
• Willingness and ability to travel to branches within and outside the assigned district.
• Ability to successfully complete all required training programs.

Nice To Haves

• Previous experience coaching, mentoring, or training others.
• Experience supporting multiple branches, locations, or teams.

Responsibilities

• Manage a high volume of collection activity across an assigned district, with a focus on achieving delinquency goals.
• Contact customers to understand their circumstances and help resolve past-due accounts through repayment or settlement arrangements.
• Use approved tools to identify solutions that support both the customer and the business.
• Negotiate effectively while delivering a respectful and positive customer experience.
• Partner with Branch Managers and branch teams to identify performance trends and provide targeted collections support.
• Train and coach branch team members on delinquency management, account resolution techniques, and collection best practices.
• Work closely with the District Manager to prioritize support based on branch and business needs.
• Maintain accurate and timely account documentation while following all company policies and applicable regulatory requirements.
• Travel to branches within and outside the assigned district as needed. You’ll have a primary home branch, and eligible travel will be reimbursed in accordance with company policy.

Benefits

• Health and well-being options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
• Up to 4% matching 401(k)
• Employee Stock Purchase Plan (10% share discount)
• Tuition reimbursement
• Paid time off (15 days’ vacation per year, prorated based on start date)
• Paid sick leave as determined by state or local ordinance (prorated based on start date)
• 11 Paid holidays (including 4 floating holidays, prorated based on start date)
• Paid volunteer time (3 days per year, prorated based on start date)

What This Job Offers

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