Recoveries Associate I

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At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.

CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC. CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offer backup servicing and due diligence services to capital providers and trustees. Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick operates three main business lines : credit cards, recreational lending, and merchant services. Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.

Associate In Recoveries

This position is fully remote in the state of Pennsylvania. An Associate in Recoveries is responsible for contacting account holders with bad debt in an attempt to collect payments and settle accounts on behalf of our clients. This role has the ability to initiate account settlements in which are pre-approved by a supervisor.

Essential Functions :

• Makes outbound calls to account holders in an attempt to collect debt owed to our clients. Some inbound calls occur where applicable.
• Collects charged off accounts through extensive telephone and mail contact
• Reviews, and analyzes each customer's financial situation and offers best alternative solutions to resolve debt
• Recommends and initiates actions including skip tracing, legal action and agency assignments
• Frequently interacts with internal and external customers (NY, Utah, attorneys, consumer credit counseling, and credit bureaus)
• Attains recovery goals set by management
• Adheres to all guidelines of the Fair Debt Collections Practices Act (FDCPA)Performs other duties as assigned

Education and Experience :

Summary of Qualifications :

Work Environment / Physical Demands :

Our Employee Value Proposition :

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location. We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable laws.