Charge Off Collector

Description

Why Time Investment Company?

We are a company that is driven by our Core Principles of Service, Excellence, Integrity, Generosity and Fun! We raise the bar on point-of-sale financing through our people, our culture, and our commitment to both dealers and customers. We were selected as one of the Top Workplaces for South Eastern WI in 2023, 2024, and 2025!

What’s in it for you?

$1000 sign on bonus after 90 days

10% extra night and weekend shift differentials

Remote - Work-From-Home, including training period

Flexible work schedule

Computer equipment and headset provided

Tuition Reimbursement

Monthly bonus potential

Medical, Dental, Vision Insurance

Life Insurance, Short and Long-Term Disability

Contribute to your 401(k) after the first 60 days; earn 4% company-matched funds after six months

Paid Time Off, up to 80 hours the first year

Additional 8 hours Birthday Month PTO

Potential for an additional 8 hours Volunteer PTO

Paid holidays

Salary range $20.00-$24.00 per hour based on experience.

Requirements

The Charge-Off Collector is responsible for recovering charged-off accounts by negotiating payment arrangements, settlements, and payment plans. This role involves contacting consumers, utilizing skip tracing to locate hard-to-reach individuals, and ensuring full compliance with all applicable laws and regulations while delivering professional and customer-focused experience.

Essential Duties and Responsibilities

• Handle inbound and outbound calls with consumers and authorized third parties
• Negotiate payments, settlements, and repayment plans
• Resolve account issues and address consumer concerns or disputes
• Use skip tracing tools to locate consumers with outdated contact information
• Maintain a professional, empathetic, and customer-focused approach
• Educate consumers on account status and resolution options
• Recommend accounts for legal review when appropriate
• Prepare and send account-related correspondence

Requirements and Qualifications

• High school diploma or equivalent
• Knowledge of FDCPA and collection regulations
• Strong communication and negotiation skills
• Professional phone and basic computer skills
• Ability to manage difficult conversations and remain composed
• Detail-oriented with strong decision-making skills
• Ability to prioritize and work a flexible schedule
• Team-oriented with the ability to work independently

This list of duties and responsibilities is not all inclusive and may be expanded to include other duties and responsibilities as Management may deem necessary from time to time.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Language Skills

Ability to read and interpret documents such as customer correspondence, accounts logs and procedure manuals. Ability to prepare reports and correspondence. Ability to communicate effectively with customers and other employees of the organization.

Mathematical Skills

Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals. Ability to compute rate, ratio and percent.

Reasoning Ability

Ability to apply common sense understanding to carry out instructions furnished in written, oral or diagram form. Ability to deal with problems, involving several concrete variables in standardized situations.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is frequently required to sit, talk and/or hear, and/or use hands to finger, handle, or touch objects, tools, or controls. The employee is occasionally required to stand, and/or walk. The employee must occasionally lift and/or move up to 50 pounds, usually waist high, up to 50 feet away. Specific vision abilities required by this job include close vision and the ability to adjust focus. The mental and physical requirements described here are representative of those that must be met by an individual to successfully perform the essential functions of this position.

Protective Clothing Required: None

Work Environment

Work is performed in an office environment. The noise level in the work environment is usually moderate. The work environment characteristics described here are representative of those individual encounters while performing the essential functions of this position.