Senior Collections Specialist

Job Overview

ABOUT HAPPY MONEY Happy Money is a consumer finance company that empowers people to achieve their goals through simple, transparent loans funded by trusted financial institutions.

Through its proprietary lending platform, Hive, Happy Money delivers a fully digital experience that simplifies borrowing for consumers and helps credit unions, banks and asset managers diversify balance sheets and scale with confidence.

Job Description

Together with its lending partners, Happy Money has originated more than $6. 5 billion in loans to help nearly 350,000 people take greater control of their financial futures. Learn more at happymoney. com. View our Employee Privacy Policy here.

Happy Money is a 100% fully distributed company. Remote work doesn’t mean less work, we work full-time jobs and show up to them fully every day. See more in our Happy Money Way overview.

You will interact with customers that range from 1 to 120+ days past due. Negotiate payment plans, hardship plans and settlements within established parameters for customers unable to pay their full balance.

Key Responsibilities

• Through its proprietary lending platform, Hive, Happy Money delivers a fully digital experience that simplifies borrowing for consumers and helps credit unions, banks and asset managers diversify balance sheets and scale with confidence.
• Happy Money’s end-to-end loan origination and participation programs provide partners with turnkey access to high-performing assets, underpinned by disciplined credit expertise and robust risk management.
• Employment: Hourly, Full-time Working Shift: Monday - Friday 6am - 2:30pm PST / 9am - 5:30pm EST Monthly Bonus Incentive: Eligible for up to $1200/monthly performance bonus RESPONSIBILITIES Customer Engagement & Collections Contact past due customers, communicating professionally and persistently to facilitate resolution.
• You will interact with customers that range from 1 to 120+ days past due.
• Handle escalated calls and complex account investigations, applying sound judgment to resolve issues and deliver a high quality customer experience.
• Peer Support & Team Development Provide peer feedback and support to internal and BPO team members, contributing to a culture of continuous improvement and shared accountability.
• Identify and surface process improvement opportunities to the Team Lead, contributing ideas that improve efficiency, compliance, and customer experience.

Required Skills and Qualifications

• Through its proprietary lending platform, Hive, Happy Money delivers a fully digital experience that simplifies borrowing for consumers and helps credit unions, banks and asset managers diversify balance sheets and scale with confidence.
• ABOUT THE ROLE The Senior Collections Specialist is an experienced, floor-level expert who plays a key role in the day-to-day effectiveness of the Collections team.
• This role goes beyond core collections work - serving as a go-to resource for peers, a contributor to process documentation, and a skilled handler of complex and escalated customer situations.
• Our ideal candidate brings a deep understanding of collections processes and systems, a passion for customer experience, and a collaborative mindset that elevates the team around them.
• Handle escalated calls and complex account investigations, applying sound judgment to resolve issues and deliver a high quality customer experience.
• Identify and surface process improvement opportunities to the Team Lead, contributing ideas that improve efficiency, compliance, and customer experience.
• Maintain strong working knowledge of all collections systems, tools, and workflows to serve as a reliable SME for the team.
• ABOUT YOU 2+ years of experience in collections, customer operations, or a related field.

Benefits and Perks

• Employment: Hourly, Full-time Working Shift: Monday - Friday 6am - 2:30pm PST / 9am - 5:30pm EST Monthly Bonus Incentive: Eligible for up to $1200/monthly performance bonus RESPONSIBILITIES Customer Engagement & Collections Contact past due customers, communicating professionally and persistently to facilitate resolution.
• BENEFITS & PERKS Generous medical, dental, vision, and HSA options with employer contributions.
• 401k Plan with a matching contribution Generous PTO including sick leave, vacation, volunteer, and more Paid Parental Leave Company-paid short & long term disability and life insurance Monthly tech stipend to help cover expenses for remote work Happy Money is a 100% fully distributed workforce Base Salary Range $50,000-$65,000 USD

Work Location and Schedule

This role is listed as Remote USA with location information shown as Remote USA. The employment type is Full Time.

About the Company

Happy Money is the organization connected with this listing. USA Jobs Today displays this opportunity for job discovery only, so applicants should verify company details, application instructions, and eligibility on the official employer website.