Bread is a technology company that aims to transform the way the world shops online. We build tools, technologies and APIs that allow e-commerce merchants to integrate installment loan financing and other alternative payment products  anywhere in their customers’ shopping journey. Bread was started in 2014 by financial technology veterans, and has experienced explosive growth to date. We’re backed by top investors including Menlo Ventures, Bessemer Venture Partners, Kinnevik, among others.

Bread is looking for a Collections Associate to join our growing Customer Operations Center in Tampa, Florida. Collections Associates will report to the Collections Team Leader and will be responsible for assisting customers who have fallen behind on their payments and help them become current.  

Your role at Bread:

• 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 online 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 

What we are looking for:

Must have:

• 1-3 years experience in call center collections
• Strong understanding of the Fair Debt Collection Privacy Act (FDCPA)
• Excellent negotiation and problem-solving skills
• Passionate about helping people
• Experience in a metrics-driven environment
• Availability to work a full-time flexible schedule including evenings and weekends
• High School Diploma or equivalent required

Nice To Have:

• Bilingual in Spanish
• Knowledge of the e-commerce and payments landscape
• Financial Services experience
• Collections Software (Katabat) experience
• Experience working with an auto dialer
• First party collections experience strongly preferred

What we offer:

• $14.42/hr + Monthly Bonus + Language Differential Pay if bilingual
• Health, Dental, Vision insurance
• Free Mental Health through BetterHelp
• 401(K) plan with 100% company match
• Stock Purchase Plan
• Generous paid time off policy
• 8 paid holidays
• Team events like trivia, office happy hours, bowling
• Weekly team lunches
• Fitness Reimbursement
• Tuition Reimbursement
• Company provided equipment (Mac laptop, monitor, etc.)
• Other benefits + perks