Collections Representative

Enova International

. Proactively contact customers with overdue accounts .

Posted 10/9/2026full-timeRemote • United StatesJunior💰 $18 per hourWebsite

Core Competencies

Role fit

Core Competencies

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

Demonstrates expertise in debt collections, including managing high-volume calls, negotiating payment arrangements, and resolving customer concerns with empathy. Proficient in active listening, conflict resolution, and maintaining detailed records in a fast-paced environment.

Highest-signal resume keywords

Debt Collections ExperienceHigh-Volume Call ManagementNegotiation SkillsConflict ResolutionActive Listening

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

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

Hard Skills

Debt CollectionsPayment ArrangementsCall ManagementRecord KeepingTime Management

Soft Skills

Conflict ResolutionCommunication SkillsEmpathySelf-ManagementAttention to Detail

Tools & Technologies

Enova Database

Industry Keywords

Delinquent Loan PaymentsFinancial ResolutionCustomer ConcernsDe-Escalation TechniquesMultitasking

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

Eligible to work in the United States; Enova is unable to sponsor visas or take over sponsorship
Must live in IL, IN, IA, MO, TX, UT, WI, or WY
Minimum of 1 year of experience in a high volume debt collections environment
Experience managing inbound and outbound calls and meeting daily call volume targets
Exceptional conflict resolution and communication skills
Proficiency in active listening and de-escalation techniques
Strong negotiation abilities
Ability to balance company policy with customer empathy
High level of self-management for remote work
Superior time management and strict schedule adherence
Ability to maintain focus, attention to detail, and multitask
Ability to think quickly and logically and solve difficult issues under pressure

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
Remote work arrangement