Spanish Collections Associate at Bread in Indiana

Summary: Bread Financial is a tech-forward financial services company that provides personalized payment, lending, and saving solutions. The Spanish Collections Associate will assist customers who are behind on payments, helping them to become current by discussing payment options and creating manageable repayment plans while maintaining accurate records and adhering to regulations. Responsibilities: - Professionally contact customers via phone to arrange account updates and resolve outstanding balances. Adhere to internal policies and procedures to ensure a positive customer experience and compliance with FDCPA and state regulations. - (40%) - Demonstrate exceptional empathy and communication skills to build rapport and navigate challenging customer interactions. Collaborate with customers utilizing strong communication and analytical skills to develop realistic and manageable solutions for bringing accounts current. - (30%) - Investigate, research, and track consumer information using skip tracing tools, adhering to data privacy regulations. Maintain thorough and accurate documentation of all customer interactions, account activity, and collection efforts. Ensure 100% data integrity in CRM system documentation for all customer interactions. - (20%) - Proactively identify opportunities to streamline collection processes and enhance team efficiency. Communicate improvement ideas and collaborate with the team to implement positive changes. - (10%) Required Qualifications: - High School Diploma or GED - 1+ years experience in collections, call center, or sales Preferred Qualifications: - If the role is listed as “Bilingual,” must be able to pass a bilingual assessment (English/Spanish) - 2+ years experience in collections, call center, or sales Required Skills: Auto Dialer, Call Center, Debt Collections, First-Party Collections, Skip Tracing, CRM System, Spanish Benefits: This job is eligible for 10%/hr premium for hours worked between 5pm-6am and all weekend hours (given specific requirements are met)., Bread Financial offers medical, prescription drug, dental, vision, and other voluntary benefits (including basic and optional life insurance, supplemental medical plans, and short and long-term disability) to eligible associates (regular full-time associates scheduled to work 30 hours per week or more) and their spouses/domestic partners, and child(ren) under the age of 26., New associate elected coverage begins on date of hire (with the exception of disability coverage which has a 6-month waiting period)., Six weeks of 100% paid parental leave for eligible parents is available after a 180-day waiting period., Hired associates, both full time and part time, can immediately enroll in Bread Financial’s 401(k) plan., All associates receive 11 paid holidays., Full-time hourly associates receive a bi-annual grant of Paid Time Off (“PTO”) in each January and July based on their service date and scheduled hours, whereas newly hired full time hourly associates in their first year of employment receive a prorated PTO grant on their 61st day of employment based on the month of hire and scheduled hours., Associates will receive a payout of any unused PTO, up to 40 hours, paid out in the next calendar year (except associates in Alaska, California, Colorado, Montana and Nebraska who are paid for all unused PTO)., Hourly associates (except those in California) generally receive 72 hours of Paid Sick Leave Plus (“PSL+”) per calendar year, with a pro-rated grant in the associate’s first year of employment to the extent allowed by applicable law., If additional PSL+ is required in a particular jurisdiction, the company with comply with applicable law., Unused PSL+ does not carry over from one calendar year to the next unless required by applicable law., Instead of PSL+, hourly associates in California receive 80 hours of Paid Sick and Safe Time (“PSST”) upon hire and at the beginning of each subsequent calendar year., Hired associates will be able to elect the purchase company stock during offering periods in June and December., Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k).