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Job Summary

Bread is a technology company that aims to transform the world of paper credit card applications and hidden interest rates by providing leading point-of-sale financing options for merchants across the e-commerce journey. We build tools, technologies and APIs that allow merchants to integrate an installment loan financing and checkout experience anywhere in their customers’ shopping journey. Bread was started in 2015 by financial technology veterans, and has experienced explosive growth to date.
Collections Associates will be responsible for assisting customers who have fallen behind on their payments and help them become current.

Job Description

Essential Job Functions

• Contact customers via telephone and make arrangements to bring the account current, while complying with internal policy and procedures

• Display strong communication, analytical, and problem solving skills to find solutions to bring accounts current

• Document all interactions with 100% data integrity in the appropriate CRM system

• Identify opportunities to improve the collection processes on behalf of our bank partner and share with the rest of the business

• Investigate, research, and track consumer information using skip tracing tools

• Operate in a goal-oriented environment, achieving individual and team performance targets

• Maintain compliance with FDCPA (Fair Debt Collection Practices Act) and state regulations

• Perform other functions as assigned by management

Reports to: Collections Team Leader

Working Conditions/ Physical Requirements: Normal office environment

Direct Reports: None

Minimum Qualifications:

• High school diploma or GED
• At least one year of call center experience

Preferred Experience:

• Two or more years of previous collections or customer service experience
• Experience working with an autodialer
• First party collections experience

This position will be eligible to participate in a Collection Incentive Plan.

Additional Position Information:

• Must be ablel to work fixed schedule which may include nights and weekend requirements
• Must be able to attend FULL training, 1/15/24-1/26/24 Monday-Friday 10am-6:30pm EST.

This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time.

Pay Range:

$18.00 - $24.00

The actual base pay within this range may be dependent upon many factors, which may include, but are not limited to, work location, education, experience, and skills.

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 two grants of Paid Time Off (“PTO”) in 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. Hourly associates receive 72 hours of Paid Sick Leave per calendar year and pro-rated in the associate’s first year of employment.

Hired associates will be able to elect to purchase company stock during offering periods in June and December.

Click here for more Benefits and PTO information.

About Bread Financial

• Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k).
• The Company is an Equal Opportunity Employer.
• Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for the Company.
• The Company participates in E-Verify.
• The Company will consider for employment all qualified applicants, including those with a criminal history, in a manner consistent with the requirements of all applicable federal, state, and local laws, including the Los Angeles Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, and the New York City Fair Chance Act. Applicants with criminal histories are encouraged to apply.

Job Family:

Care Center Operations

Job Type:

Regular