Remote, USA Remote (Country) Employment USD 50,000 – 60,000 / year

Happy Money is hiring a Senior Collections Specialist

About the Role

This role is responsible for handling overdue accounts through proactive outreach, negotiating payment arrangements, and delivering solutions that support long-term financial wellness.

Responsibilities

  • Contact customers with past-due balances to discuss repayment options
  • Assess financial situations to recommend feasible payment plans
  • Document all communication and account updates accurately
  • Follow up consistently on unresolved accounts
  • Apply policies fairly while adapting to individual circumstances
  • Resolve customer inquiries related to billing and payments
  • Maintain compliance with federal and state collection regulations
  • Use internal systems to track account status and interactions
  • Escalate complex cases to appropriate departments when needed
  • Collaborate with internal teams to improve collection strategies
  • Identify trends in delinquency patterns and report findings
  • Balance customer empathy with organizational goals
  • Ensure data privacy and security in all communications
  • Meet performance targets for account resolution
  • Adapt communication style to diverse customer needs
  • Stay current with changes in financial regulations
  • Provide feedback on process inefficiencies
  • Support training initiatives for new team members
  • Work within service level agreements for response times
  • Promote financial responsibility through clear guidance

Nice to Have

  • Experience in a technology-driven financial platform
  • Knowledge of automated collections systems
  • Prior work in a startup or high-growth environment
  • Certification in credit or collections management

Compensation

Competitive salary and benefits package

Work Arrangement

Remote

Team

Part of the financial operations team focused on customer engagement and account resolution

Our Approach to Collections

We prioritize respectful, solution-oriented interactions that support financial recovery. The role emphasizes education and collaboration over enforcement.

Technology Stack

Employees use proprietary tools for account management, real-time analytics, and customer communication tracking.

Not available

About company
Happy Money

Happy Money is a company focused on providing personal loans designed to help customers achieve financial well-being and happiness. Their signature product, The Payoff Loan™, is aimed at helping people consolidate credit card debt and fund meaningful life goals with simple, transparent lending.

Loans range from $5,000 to $50,000 with rates as low as 7.95% APR. The application process is quick, taking two minutes or less, and checking your rate does not impact your credit score. Happy Money emphasizes customer-centric service and has been recognized as the #1 Most Customer-Centric Company in Finance by Forbes.

Funded by community-focused lending partners, Happy Money is committed to responsible lending that supports long-term financial health. The company has helped over 350,000 customers and funded more than $6.5 billion toward happier financial futures.

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Posted a month ago