Customer Service/Collections Representative

Job Summary: Bilingual (Spanish/English) Required As a Customer Service & Collections Representative at United Auto Credit, you will play a critical role by helping customers stay on track ensuring timely payment on their auto loan account. This position focuses on inbound and outbound calls to borrowers with early-stage delinquent auto loans, helping guide them to resolution in a professional manner. You will work in a fast-paced environment, utilizing an automatic dialing system (auto dialer) to efficiently contact customers and an internal operating system to track account information, record customer interactions, and monitor payment progress. Essential Duties and Responsibilities As a Customer Service & Collections Representative, you will: Manage assigned delinquent accounts while following UACC policies and all state/federal regulations, including the FDCPA. Make and receive early-stage delinquency collection calls using our auto dialer system. Communicate clearly and professionally with customers to provide guidance and solutions. Use available collection tools and payment options to help customers stay current and minimize credit losses. Reach out promptly to delinquent borrowers to detect and resolve issues early. Guide customers to use electronic payment tools to expedite account resolution. Prevent voluntary repossessions and other credit losses through negotiation and proper application of collection resources. Accurately document all customer interactions in the company’s operating system. Meet or exceed daily, weekly, and monthly metrics, including call volume, payments collected, and promises kept. Collaborate with supervisors to resolve complex cases. Take on additional tasks as assigned, contributing to team success. Qualifications To succeed in this role, candidates should possess the following skills and attributes: Strong negotiation, problem-solving, and probing skills applied professionally. Excellent telephone communication skills and the ability to spend extended periods on the phone. Detail-oriented with strong organizational abilities. Effective time management and the ability to prioritize and handle multiple tasks, including both inbound and outbound calls. Ability to meet goals and deadlines in a fast-paced, performance-driven environment. Self-motivated, dependable, and able to work independently. Familiarity with the auto finance industry is a plus. Education/Experience High School Diploma or equivalent 1–2 years of experience in consumer collections, preferably using an auto-dialer system Compensation $16 an hour Performance bonuses averaging $500, paid out monthly Language Ability Ability to clearly and effectively communicate in person, in writing and by telephone Bilingual in English and Spanish (Required) Technical Skills Strong computer literacy with proficiency in Microsoft Word and Excel, and the ability to quickly adapt to new software and systems. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually quiet. 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 accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to sit. The employee is occasionally required to walk. Commitment to Diversity and Equal Employment Opportunity United Auto Credit Corporation, a wholly owned indirect subsidiary of Vroom, is an equal opportunity employer committed to creating and supporting a work environment where all employees can find their drive. To do that, we champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions. We believe our values of SPEED (Service, Progress, Employees, Engagement, and Development) are best realized in an environment, whether physical or virtual, where every individual has the ability to bring their whole selves to work and contribute fully. UACC maintains a working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees. The company prohibits any form of employment discrimination or harassment against employees, applicants, or other protected persons in the workplace based on a protected characteristic(s), regardless of who the source is of such conduct. Protected characteristics include race, color, religion, creed, sex (including gender, sexual orientation, gender identity or expression, or pregnancy, childbirth, or a related medical condition), national origin, ancestry, ethnicity, age, physical or mental disability, genetic information, service in the uniformed services, citizenship, or any other characteristic protected by federal, state, and/or local law. This commitment to antidiscrimination and antiharassment applies to all terms, conditions, and privileges of employment including, but not limited to, recruitment and hiring. UACC likewise provides reasonable accommodations to qualified applicants, employees, or other legally protected individuals in the workplace with a disability to enable them to participate in the job application process, to perform the essential functions of a job, or to enjoy the benefits and privileges of employment equal to those of other employees, except if the accommodation would pose an undue hardship. The company also makes reasonable accommodations for religious beliefs and practices. UACC complies with all applicable federal, state, and/or local laws relating to equal employment. Other Things to Note This posting is not intended to provide a comprehensive account of the duties and responsibilities that may be required of this position. Duties and responsibilities may change or be added at any time, with or without notice. Please review our privacy and CCPA policies. Who Are We? Well, we’re kind of a big deal, just ask us and we’ll tell you. We exist to make a difference for our dealers and our customers. We can only accomplish this through the hard work, innovation, and service excellence that our team members provide. We know that our people are the difference and we are always striving to be the company of choice for our difference makers. Employee surveys, company picnics, national sales meetings, online learning tools, March Madness tournaments, company swag, and UACCares are all just a drop in the bucket of our awesomeness! #ourpeoplearethedifference We believe in giving back to our community because it’s the right thing to do and another way we have the power to make a difference. Our UACCares organization brings our teammates together to volunteer and donate to causes we’re most passionate about so we can make a difference in our communities and in our world. We are an organization that loves to have Fun (it’s actually one of our 5 core values), we are super passionate about employee wellness (but we still love our pizza and wings), we believe that teamwork makes the dream work, and most importantly we believe that every person that works here has the power to make a difference and should. We believe in One Team One Vision. We are United Auto Credit and we are driven to make a difference.

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