Collections Representative

Enova International

Collections Representative proactively handling customer overdue accounts and resolving payment difficulties for Enova International. Utilizing conflict resolution and negotiation skills in a high-volume call environment.

Posted 7/10/2026full-timeRemote • Illinois, Iowa, Montana, Texas, Utah, Wisconsin, Wyoming • 🇺🇸 United StatesJunior💰 $18 per hourWebsite

About the role

Key responsibilities & impact

Manage high volume inbound and outbound calls efficiently to address customers with delinquent loan payments.
Negotiate and execute effective payment arrangements, strictly following Enova's specific call flow to bring overdue accounts current.
Resolve customer concerns and complex issues related to late payments, maintaining a high level of professionalism and empathy.
Communicate clearly and effectively with customers, explaining the implications of overdue payments and offering assistance for financial resolution.
Ensure all customer interactions, payment plans, and relevant information are accurately recorded and maintained 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.

Benefits

Comp & perks

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…Plus so much more!

ATS Keywords

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Applicant Tracking System Keywords

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Soft Skills

Active ListeningDe-Escalation TechniquesProblem SolvingAttention to DetailCustomer Empathy