Collections Representative

Application Time: Please note applying will take approximately 10-20 minutes.

Onsite Training: You may be asked to come onsite for multiple days of in-person training . Specific details will be provided if you successfully complete the hiring process.

Location: This is a work-from-home role; however, to be considered for this role you MUST live within 60 minutes or 60 miles of zip code 32746.

Synchrony’s Call Center Team

At Synchrony, we're proud to be a leading consumer financing company at the heart of American commerce. From health to home, auto to retail, our products have been serving the needs of people and businesses for nearly 100 years. We provide responsible access to credit and banking products to support healthier financial lives for tens of millions of people, enabling them to access the things that matter to them.

As part of our Call Center Team, you'll have a direct impact on our customers by helping solve their problems while building relationships. Our Call Center Team is dedicated to ensuring every customer feels supported and valued. We’re here to help cardholders navigate their financial journeys, providing clear information and prompt resolutions. We believe that by empowering our team with the best tools, continuous resources, and a supportive environment we can continue to deliver exceptional service that makes a real difference.

Benefits:
Just as we’re committed to our customers, we’re deeply committed to supporting you throughout your career with generous benefits, continuous learning opportunities, and clear paths for advancement. As a Collections Representative you’ll enjoy high starting wages, $22.50 an hour base pay plus 10% language differential for total compensation of $24.75/hr and a comprehensive benefits package; available from day one. This package includes tuition reimbursement, complete medical coverage for you and your entire family and a 401(k) with company match.

Our Way of Working

At Synchrony we’re proud to offer you flexibility and the equipment and tools needed to succeed. This role will allow you to work from home full time. We only ask that you have a quiet, distraction-free workspace with reliable high-speed internet.

Please note, on occasion, you will be required to commute for in-person engagements including trainings and team activities.

What you’ll do as a Collections Representative?

As a Collections Representative, you'll be on the front line, making a direct impact to our cardholders’ experience.

You’ll be responsible for:

• Handling inbound and outbound calls
• Bringing past-due accounts up to date
• Setting up payment arrangements
• Counseling cardholders on their financial situations
• Determining why a payment is late and best way to fix the situation
• Delivering exceptional service
• Managing customer information
• Building relationships with clients, customers, and colleagues
  
  

What You’ll Need to be Considered:

• Be at least 18 years old
• 6+ months customer service experience of any kind and/or military equivalent experience within the last 7 years.
• Fully fluent English and Spanish
• Must live within 60 minutes or 60 miles of 32746 to ensure you’re able to commute for in-person training and occasional in-person activities.
• Demonstrate at least an intermediate level of computer skills including the ability to:
  • Navigate and manage information across multiple windows and software platforms efficiently
  • Maintain typing proficiency while actively conversing with customers
  • Utilize Outlook or other Microsoft Office programs effectively
  • Employ search tools to quickly find necessary information
• This role will require you to work evening hours and at least 1 weekend day.
• This role requires a quiet, distraction-free environment. During your scheduled work time, you must be able to refrain from tending to any personal matters, including, but not limited to, answering personal phone calls or personal emails, and caring for children or others. You must also be able to restrict any visitors or family from your work area while you are working.
• Be willing to complete a drug test, submit to a background investigation, and provide finger prints as part of our selection process
• YOU MUST BE ABLE TO SATISFY THE REQUIREMENTS OF SECTION 19 OF THE FEDERAL DEPOSIT INSURANCE ACT – for more information, click here .

Internal Mobility

New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months’ time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 24 months’ time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don’t meet the time in position or performance expectations).

Preferred Qualifications and Skills:

• 6+ months of experience in a collections role
• 6+ months of experience in banking or financial industry
• 6+ months experience working in a virtual environment
• 6+ months experience working in a call center environment
• A natural ability to deeply engage with customers and clients, understand their needs, and effectively share solutions, build strong rapport and skillfully handle objections or complaints
• Comfortable receiving ongoing performance feedback and coaching
• Comfortable with ongoing change and learning new technology/processes
• Highly self-motivated with excellent organizational skills, able to manage your time and tasks effectively
• Strong decision-making and problem-solving skills

Important Legal & Employment Information:
Work Authorization:
Authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening.

Reasonable Accommodation Notice:

Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment.

If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at . Representatives are available from 8am – 5pm Monday to Friday, Central Standard Time.