JOB DESCRIPTION

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Job Summary

The Payment Solutions Associate receives inbound and makes outbound calls to negotiate settlements or secure payment arrangements with customers who are past due on their credit card accounts, with the purpose of bringing their accounts current.

Essential Job Functions

• Negotiation : Make outbound or receive customer calls to negotiate settlements or secure payment arrangements.
• Customer Experience : Provide quality customer service to secure payment arrangements for customers who are past due on their credit card accounts.

Display exceptional verbal and written communication, negotiation and active-listening skills, as well as the ability to easily establish rapport and credibility with a variety of customers.

Documentation and Technology : Manually dials, skip traces or utilizes automated dialer to communicate with customers and make payment arrangements to meet or exceed established goals to include balances saved, pay-by-phones collected and call quality.

Time Management : Utilize time-management and organizational skills necessary to effectively handle multiple expectations and thrive in a performance-based call center environment.

Reports to : Supervisor or Manager

Direct Reports : None

Working Conditions / Physical Requirements :

Work from home office; Travel to care center site as needed (if applicable). Job requires sitting the majority of workday.

Schedule flexibility to work 40 hours per week including days, evenings and weekends.

• Workspace Environment- A dedicated workspace that is able to simulate an office environment. The room should provide an area that separates you from others while working.
• Equipment- Bread Financial will provide you with the equipment to work from home. This equipment is able to be used for work purposes only.
• Internet / Phone- Bread Financial requires associates to have internet access in order to perform the responsibilities of their role remotely.

At a minimum, associates working from home are required to have Cable or Fiber Residential Broadband Internet Service at the following minimum speeds : 25Mbps Download / 5Mbps Upload.

This access enables the associate to connect to information and other resources within Bread Financial. Satellite, DSL, Cellular ( 4G and 5G), Microwave, and other types of connectivity are not permitted for use due to their limited speeds and / or less stable connectivity.

Additionally, a wired ethernet connection is required.

Location- Although this position is considered work at home, the candidate must reside within the same state or 60 miles from their current physical Bread Financial location or hub.

Minimum Qualifications :

• High School Diploma or GED or equivalent education
• If the roles is listed as Bilingual , must be able to pass a bilingual assessment (English / Spanish).

Preferred Qualifications :

Previous collections, call center, or sales experience is preferred.

Additional Position Information :

• Class start : 7 / 8 / 2024 in Payment Solutions CA4
• Training Schedule : Candidates must be able to attend all 4 weeks of training 7 / 8 / 2024 - 8 / 2 / 2024 from 10 : 00am - 6 : 30pm EST.
• Pay Band : US03

This position will be eligible to participate in a Collection Incentive Plan.

INDCLASS

Other Duties

This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job.

Because job content may change from time to time, the Company reserves the right to add and / or delete essential functions from this job at any time.

Pay Range : $ - $

$ - $

Bread Financial offers medical, prescription drug, dental, vision, and other voluntary benefits (including basic and optional life insurance, supplemental medical plans, and short and long-term disability) to eligible associates (regular full-time associates scheduled to work 30 hours per week or more) and their spouses / domestic partners, and child(ren) under the age of 26.

New associate elected coverage begins on date of hire (with the exception of disability coverage which has a 6-month waiting period).

Six weeks of 100% paid parental leave for eligible parents is available after a 180-day waiting period. Hired associates, both full time and part time, can immediately enroll in Bread Financial’s 401(k) plan.

All associates receive 11 paid holidays. Full-time hourly associates receive a bi-annual grant of Paid Time Off ( PTO ) in each January and July based on their service date and scheduled hours, whereas newly hired full time hourly associates in their first year of employment receive a prorated PTO grant on their 61st day of employment based on the month of hire and scheduled hours.

Associates will receive a payout of any unused PTO, up to 40 hours, paid out in the next calendar year (except associates in Alaska, California, Colorado, Montana and Nebraska who are paid for all unused PTO).

Additionally, hourly associates (except those in California) generally receive 72 hours of Paid Sick Leave Plus ( PSL ) per calendar year, with a pro-rated grant in the associate’s first year of employment to the extent allowed by applicable law.

If additional PSL is required in a particular jurisdiction, the company with comply with applicable law. Unused PSL does not carry over from one calendar year to the next unless required by applicable law.

Instead of PSL , hourly associates in California receive 80 hours of Paid Sick and Safe Time ( PSST ) upon hire and at the beginning of each subsequent calendar year.

Hired associates will be able to elect the purchase company stock during offering periods in June and December.

Click for more Benefits and PTO information.

About Bread Financial

At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture.

We’ve been consistently recognized as a best place to work nationally and in many markets and we’re proud to promote an environment where you feel appreciated, accepted, valued, and fulfilled both personally and professionally.

Bread Financial supports the overall wellness of our associates with a diverse suite of benefits and offers boundless opportunities for career development and non-traditional career progression.

Bread FinancialTM is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions.

The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences.

Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive suite of payment solutions that includes private label and co-brand credit cards and Bread Pay™ buy now, pay later products.

Bread Financial also offers direct-to-consumer products that give customers more access, choice and freedom through its branded Bread CashbackTM American Express® Credit Card and Bread SavingsTM products.

Headquartered in Columbus, Ohio, Bread Financial is powered by its approximately 7,000 global associates and is committed to sustainable business practices.

• Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k).
• The Company is an Equal Opportunity Employer.
• Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for the Company.
• The Company participates in E-Verify.
• The Company will consider for employment all qualified applicants, including those with a criminal history, in a manner consistent with the requirements of all applicable federal, state, and local laws, including the Los Angeles Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, and the New York City Fair Chance Act.

Applicants with criminal histories are encouraged to apply.

The Company complies with the Americans with Disabilities Act (ADA), as amended, and all applicable state / local laws.

The Company will provide accommodations to applicants needing accommodations to complete the application process. Applicants with disabilities may contact the Company to request and arrange for accommodations.

If you need assistance to accommodate a disability, you may request an accommodation at any time. Please contact the Recruiting Team at .

Job Family :

Care Center Operations

Job Type : Regular

Regular

Last updated : 2024-06-03