Collections Agent

DEPARTMENT Collections JOB TITLE Collections Agent REPORTS TO Collections Leadership Pay: $16-18 an hour, with monthly uncapped bonus potential Hours: 9am-6pm M-F, Rotating Saturdays (11am-3pm, approx. once a month, can be traded) Training Class Start Date: 08/24/2026- Training hours 9am- 5pm WHO WE ARE Nuvative is a fast-growing innovative technology company impacting employees through continuing education and guidance. As an employer of choice, we provide our employees with a culture of kindness, fairness, self-development, contribution, collaboration, diversity, innovation, and fun. OUR OFFERING We provide our customers with the opportunity to secure the cash they need, quickly and securely online through our subsidiary, Net Pay Advance, Inc. Our suite of online lending solutions features payday loans, installment loans, and line of credit. JOB PURPOSE A Collections Agent is responsible for engaging with customers who have past-due short-term loans to negotiate payment arrangements, resolve account issues, and provide excellent service while adhering to all regulatory requirements. This role ensures the company maintains healthy portfolio performance, minimizes delinquency, and supports customers in returning to good financial standing. Requirements Make outbound collection calls and receive inbound inquiries to assist customers with past-due accounts. Clearly communicate account status, repayment options, and consequences of continued delinquency in a respectful and professional manner. Negotiate and document effective payment arrangements in alignment with company policies. Handle high call volumes with consistent quality and adherence to scripting standards. Review customer accounts for accuracy, documentation, and prior collection efforts. Update notes, contact attempts, and payment commitments in the system in real time. Identify potential disputes, fraud indicators, or hardship situations and escalates appropriately. Work closely with supervisors to resolve complex or escalated accounts. Follow all federal, state, and local regulations, as well as applicable state lending laws. Maintain strict confidentiality of customer information. Adhere to internal compliance, call quality, and performance standards. Participate in ongoing training for regulatory updates and process improvements. Meet or exceed collections goals, call metrics, and productivity targets. Collaborate with team members and leadership to improve recovery rates and customer experience. Provide feedback on process enhancements or recurring customer issues. Qualifications Knowledge of collection principles and practices Knowledge of relevant computer applications Strong computer and typing skills Knowledge of administrative procedures Strong communication and negotiation skills Ability to read, analyze, and interpret documents and statements. Ability to clearly and effectively respond to customer issues, via all omni-channel communications methods Bilingual abilities are a plus but not a requirement. WHY WORK FOR US At Nuvative, you’ll find an environment where our team is the core of what we do and good work is rewarded and growth is valued. Nuvative offers competitive wages to qualified individuals and the opportunity to grow professionally and personally through diverse work experiences and hands on training. The heart of our employee culture are the values that we not only preach, but also practice everyday: Initiative : Handling opportunities with confidence and enthusiasm. Persistence : Moving forward in the face of adversity. Teamwork : Uniting the combined effort of our organization. Respect : Considering the feelings of others in your action. Integrity : Maintaining honesty and strong principles. Innovation : Inspiring progress with results and ingenuity. What We Can Offer You Medical, Dental and Vision insurance. Flexible Spending Account 401(k) Voluntary Life Insurance and AD&D Employee Assistance Program Paid time off Holidays The above statements are intended to describe the general nature and level of work performed by employees assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel in this position. #J-18808-Ljbffr