Collections Representative

Reprise Financial is on a mission to simplify the financial journey for our customers, making personal loans accessible and transparent. We leverage technology and a customer-first approach to provide fast, reliable personal loans of up to $25,000, ensuring our clients receive the support they need without hidden fees or complex terms. Our commitment to integrity and clarity allows us to foster trust and empower individuals to take control of their finances. At Reprise Financial, we foster a workplace built on innovation, collaboration, and kindness. Our mission to simplify the financial journey for our customers inspires us to exceed expectations and make a meaningful impact. We provide the tools, resources, and support for employees to thrive in a dynamic, customer-focused environment. Transparency, continuous improvement, and open communication drive our culture of trust and excellence, where new ideas are valued, and growth is encouraged. Join Reprise Financial and be part of a team where your contributions are recognized, and you have the opportunity to innovate, grow, and make a positive difference. About the role The Collections Representative role is key to the success of the Reprise Portfolio. This role follows up with our customers to ensure timely payments, loss mitigation, and loan modifications. Key Responsibilities Monitors and contacts customers with outstanding debts Works to bring customers into active status by reviewing payment options, extensions, loan modifications, etc. Process payments from customers, assists them with setting up recurring or single payments Answer customer questions related to general account maintenance (ex: balances, payments, address changes, etc.) Takes actions to encourage timely debt payments Ensure account maintenance is updated within core system of record Report on collection activity and account status Research history such as ACH transactions, disputes, posting errors, and submits corrections May support other functions within Collections and Servicing teams Other duties as assigned Skills, Knowledge, and Expertise Knowledge of billing procedures and collection techniques (ex: skip tracing) Knowledge of collection practices and associated regulations preferred 1+ years of customer service or call center experience is required Experience working in financial services, lending or payments preferred High school diploma or equivalent Bi-Lingual (Spanish) preferred Location This position offers a hybrid work arrangement following an initial onsite training period. The next class begins September 14, with the first three weeks of training conducted onsite in Irving, Texas. After that, team members will work from home, with one mandatory onsite training day per month in Irving, Texas. Compensation For this role, the hourly pay range is $18.00 to $20.00, based on relevant experience and qualifications. This position is also eligible for a monthly incentive bonus program, providing the opportunity to earn additional compensation based on individual performance and the terms of the company’s incentive plan. Schedule This role follows a standard Monday–Friday daytime schedule, with one late-night shift each week. Team members also work rotating Saturdays. Additional Saturdays may occasionally be required based on business needs. Benefits That Support Your Success Stay Healthy & Happy: Comprehensive medical, dental, and vision coverage, contributions to a Health Savings Account (HSA), and access to an Employee Assistance Program (EAP) to support your mental health and overall well-being. Secure Your Future: Plan ahead with our 401(k) program, featuring a Safe Harbor Match (100% of the first 3% and 50% of the next 2%). Time That Works for You: Recharge with accrued time off, company holidays, sick time, and 3 floating holidays—perfect for celebrating your birthday, your dog’s birthday, or just a random Tuesday! Support for Growing Families: Our 12-week Paid Parental Leave ensures you have the time and support to focus on your family during life’s biggest moments. Competitive Rewards: Market-driven salary and bonus opportunities ensure your hard work is recognized and rewarded. Tools for Success: Stay connected and productive with a robust tech package designed to help you deliver your best every day. Equal Employment Opportunity Employer At Reprise Financial, we are dedicated to fostering an inclusive community where every individual is valued. We are an Equal Employment Opportunity employer—ensuring that all qualified applicants and employees receive consideration for employment without regard to age, race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender, gender identity, physical or mental disability, veteran status, genetic information, ethnicity, citizenship, or any other characteristic protected by law. We believe that diversity strengthens our organization and drives innovation, and we are committed to creating a workplace that reflects the rich variety of our communities.