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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.
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
Working Conditions/ Physical Requirements:
• Work from home office; Travel to care center site as needed (if applicable). Job requires sitting the majority of workday.
• Workspace Environment- A dedicated workspace that is able to simulate an office environment. The room should provide an area that separates you from others while working.
• Equipment- Bread Financial will provide you with the equipment to work from home. This equipment is able to be used for work purposes only.
• Internet/Phone- Bread Financial requires W@H associates to have internet access in order to perform the responsibilities of their role remotely. At a minimum, associates working from home are required to have Cable or Fiber Residential Broadband Internet Service at the following minimum speeds: 25Mbps Download / 5Mbps Upload. This access enables the W@H associate to connect to information and other resources within Bread Financial. Satellite, DSL, Cellular (i.e. 4G and 5G), Microwave, and other types of connectivity are not permitted for
• use due to their limited speeds and/or less stable connectivity. Additionally, a wired ethernet connection is required.
• Location- Although this position is considered work at home, the candidate must reside within the same state and 60 miles from their current physical Bread Financial location or hub.
Minimum Qualifications:
• High school diploma or equivalent education
• 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
• 1 year of current Bread Financial Customer Care experience
Additional Position Information:
• For a Bilingual role, candidates must pass a verbal Bilingual assessment in order to be eligible for consideration.
• Class Start: 09/30/2024-10/11/2024 in Bread Pay
• Training Schedule: Candidates must be able to attend all 2 weeks of training 09/30/24- from 9:00 AM – 5:30 PM ET.
• Pay Band: US05
This position is eligible to participate in a Collection Incentive Plan
Other Duties
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 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). Additionally, 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.
Click here for more Benefits and PTO information.
About Bread Financial
At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture. We’ve been consistently recognized as a best place to work nationally and in many markets and we’re proud to promote an environment where you feel appreciated, accepted, valued, and fulfilled—both personally and professionally. Bread Financial supports the overall wellness of our associates with a diverse suite of benefits and offers boundless opportunities for career development and non-traditional career progression.
Bread FinancialTM is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive suite of payment solutions that includes private label and co-brand credit cards and Bread Pay™ buy now, pay later products. Bread Financial also offers direct-to-consumer products that give customers more access, choice and freedom through its branded Bread CashbackTM American Express® Credit Card and Bread SavingsTM products.
Headquartered in Columbus, Ohio, Bread Financial is powered by its approximately 7,000 global associates and is committed to sustainable business practices.
• 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.
• The Company complies with the Americans with Disabilities Act (ADA), as amended, and all applicable state/local laws. The Company will provide accommodations to applicants needing accommodations to complete the application process. Applicants with disabilities may contact the Company to request and arrange for accommodations. If you need assistance to accommodate a disability, you may request an accommodation at any time. Please contact the Recruiting Team at TaOps@breadfinancial.com.
Job Family:
Care Center Operations
Job Type:
Regular
