Collections Representative

Enova International

. Proactively contact customers with overdue accounts, understand their financial challenges, and collaboratively identify solutions to help maintain consistent loan payments .

Posted 9/22/2026full-timeRemote • United StatesJunior💰 $18 per hourWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates strong negotiation abilities and exceptional conflict resolution skills while managing high volume inbound and outbound calls in a debt collections environment. Proficient in active listening, de-escalation techniques, and maintaining accurate records of customer interactions and payment plans.

Highest-signal resume keywords

Debt Collections ExperienceHigh Volume Call ManagementNegotiation SkillsConflict ResolutionTime Management

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Payment Arrangement ExecutionCustomer Interaction RecordingFinancial Resolution AssistanceProblem SolvingAttention to Detail

Soft Skills

Active ListeningEmpathySelf-ManagementFocusMultitasking

Tools & Technologies

Enova Database

Industry Keywords

Delinquent Loan PaymentsCall FlowOverdue AccountsCustomer ConcernsPayment Plans

About the role

Key responsibilities & impact

Proactively contact customers with overdue accounts, understand their financial challenges, and collaboratively identify solutions to help maintain consistent loan payments
Manage high volume inbound and outbound calls regarding delinquent loan payments
Negotiate and execute payment arrangements while following Enova's specific call flow to bring overdue accounts current
Resolve customer concerns and complex late-payment issues professionally and empathetically
Explain the implications of overdue payments and offer assistance for financial resolution
Accurately record and maintain customer interactions, payment plans, and relevant information in Enova's database

Requirements

What you’ll need

A minimum of 1 year of experience in a high volume debt collections environment, successfully managing both inbound and outbound calls and consistently meeting daily call volume targets
Exceptional conflict resolution and communication skills, including proven proficiency in active listening and the application of de-escalation techniques during challenging calls
Strong negotiation abilities, capable of balancing adherence to company policy with genuine customer empathy to secure successful payment arrangements or settlements
Demonstrated high level of self-management for remote work, including superior time management, strict schedule adherence, and the ability to maintain focus, attention to detail, and perform multiple tasks simultaneously
Proven ability to think quickly and logically to creatively problem solve and resolve difficult issues effectively under pressure
Must be eligible to work in the United States; Enova is not able to sponsor visas or take over sponsorship

Benefits

Comp & perks

Additional compensation may include bonus
Health, dental, and vision insurance including mental health benefits
401(k) matching plus a Roth option (U.S. Based employees only)
PTO & paid holidays off
Sabbatical program (for eligible roles)
Summer hours (for eligible roles)
Paid parental leave
DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
Employee recognition and rewards program
Charitable matching and a paid volunteer day
Full-time employees are eligible to participate in Company benefits