What are the responsibilities and job description for the Internal - Collections Representative I position at Credit One Bank?
Description
Position Summary
The Collections Representative performs activities involving the collection of accounts that are delinquent and/or over the credit limit. The individual will analyze account status and determine appropriate action while following company policies and all applicable laws.
Summary Of Essential Job Functions
Position Summary
The Collections Representative performs activities involving the collection of accounts that are delinquent and/or over the credit limit. The individual will analyze account status and determine appropriate action while following company policies and all applicable laws.
Summary Of Essential Job Functions
- Assertively communicate the importance of resolving delinquency.
- Flexibility to work a wide variety of account types (i.e., NSF, Negative Day, and ANI).
- Use experience and product knowledge to effectively overcome objections and resolve outstanding issues in a professional and controlled manner.
- Review and analyze the situation of each customer and recommend payment plans following company guidelines.
- Communicate the importance of maintaining credit and resolving delinquency.
- Adhere to all Fair Debt Collections Practices Act (FDCPA) guidelines.
- Perform other duties as assigned.
- High School diploma or equivalent required.
- 6-18 months Collections experience preferred.
- Significant focus on team as well as individual achievement.
- Ability to establish and maintain a diplomatic approach to collections.
- Knowledge and proper presentation of all methods of payment to cure the account while promoting card utility.
- Demonstrated skill in negotiating and conflict resolution.
- Excellent verbal and written communication skills.
- Intermediate computer skills.
- Demonstrated ability to effectively educate cardholders towards proper management of their account.
- Ability to work in a fast-paced environment and multi-task.
- Previous call center experience preferred.