[![Image]() Meet Jobicy Copilot — free AI autofill for job applications + remote job alerts ›](#) [All remote jobs](https://jobicy.com/jobs.md)Open role[![Happy Money logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2021/02/WRILS-210209211710-694513.jpg)](https://jobicy.com/company/happy-money.md)Remote opportunity at[Happy Money](https://jobicy.com/company/happy-money.md) # Senior Collections Specialist Review the role, location requirements, compensation details, and application process before deciding whether this opportunity fits your next career move. [Apply for this job](#job-application)[View company](https://jobicy.com/company/happy-money.md)Share6 Sep 2026Published39Listing views1Application actions6 Oct 2026Apply before Opportunity details ## About this role. AI SummaryHappy Money is hiring a Senior Collections Specialist to manage delinquent consumer-loan accounts, negotiate repayment or hardship arrangements, and resolve escalated customer cases. The role also serves as a floor-level subject-matter resource, supporting peers and new-hire onboarding while helping maintain collections SOPs. Success requires sound judgment, empathy, accurate account documentation, and consistent achievement of collections performance targets. This is a remote, full-time, hourly role with a fixed Monday–Friday shift of 6:00 a.m.–2:30 p.m. PST / 9:00 a.m.–5:30 p.m. EST. Familiarity with LoanPro, Genesys, Google Sheets, Confluence, and Jira is specifically requested. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 4/5EasyHard ### Pace & Pressure 4/5RelaxedFast-paced ### Autonomy Level 4/5GuidedFull ownership ### Communication Load 5/5IndependentCollaborative AI insightThe position handles accounts from one to 120+ days past due, including escalations, settlements, and hardship plans that require careful judgment and regulatory awareness. It also combines direct collections production with peer support, process documentation, and independent prioritization in a distributed environment. ## Salary analysis Estimated compensation compared with the broader US market for similar roles. Estimated job medianMarket rate$57,500US market range$48k–$70k0$77k AI insightThe disclosed base salary is $50,000–$65,000 USD yearly, with a midpoint of $57,500. A reasonable US market range for a senior consumer-finance collections specialist is approximately $48,000–$70,000 yearly, varying by regulatory complexity, portfolio type, incentives, and geographic pay practices. The posting also offers eligibility for up to a $1,200 monthly performance bonus, which is variable compensation and separate from base pay. ## Core skills Skills and capabilities most closely associated with this opportunity. [Consumer Collections](https://jobicy.com/jobs?search_keywords=Consumer%20Collections.md)[Delinquency Management](https://jobicy.com/jobs?search_keywords=Delinquency%20Management.md)[Payment Plan Negotiation](https://jobicy.com/jobs?search_keywords=Payment%20Plan%20Negotiation.md)[Hardship Programs](https://jobicy.com/jobs?search_keywords=Hardship%20Programs.md)[Customer Escalations](https://jobicy.com/jobs?search_keywords=Customer%20Escalations.md)[Regulatory Compliance](https://jobicy.com/jobs?search_keywords=Regulatory%20Compliance.md)[LoanPro](https://jobicy.com/jobs?search_keywords=LoanPro.md)[Genesys](https://jobicy.com/jobs?search_keywords=Genesys.md)[Google Sheets](https://jobicy.com/jobs?search_keywords=Google%20Sheets.md)[Process Documentation](https://jobicy.com/jobs?search_keywords=Process%20Documentation.md) Sample interview questionsHow do you approach a conversation with a customer who is significantly past due and unable to make a full payment?I begin by listening carefully and verifying the account details, then explain the available options in clear, respectful language. I assess the customer’s stated circumstances against approved hardship, payment-plan, or settlement parameters, document the interaction thoroughly, and confirm the agreed next steps before ending the call. Describe how you balance collections performance goals with a positive customer experience. I view respectful, solution-focused communication as essential to sustainable collections results. By being prepared, explaining options accurately, setting clear commitments, and following up consistently, I can pursue resolution while protecting customer trust and meeting productivity and recovery targets. What steps would you take when handling an escalated collections call? I would remain calm, acknowledge the customer’s concern, review the account history and prior notes, and identify the issue that needs resolution. I would apply policy and sound judgment, involve the appropriate lead or compliance resource when needed, clearly communicate the outcome, and document the escalation and actions taken. How have you contributed to training or supporting less experienced collections representatives? I support peers by sharing practical call-handling techniques, clarifying workflows, and offering constructive feedback tied to policy and customer outcomes. I also use recurring questions or errors as opportunities to improve job aids, SOPs, and onboarding materials. How do you stay organized when managing calls, account updates, follow-ups, and changing priorities? I use the collections system and task lists to prioritize time-sensitive commitments, escalations, and aging accounts. I document each interaction immediately, block time for follow-ups and administrative work, and regularly review my queue so that no commitment or required action is missed. ### 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. 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. 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](https://drive.google.com/file/d/1PlDoDVlGPfcmkNK5meAmsnFV6DVuiypG/view?usp=drive_link) 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](https://drive.google.com/file/d/1R-mWluJ74IGTsB-WPL-j0KME9IVJ4hp7/view?usp=drive_link) overview. ### 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. 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. * Negotiate payment plans, hardship plans and settlements within established parameters for customers unable to pay their full balance. * Handle escalated calls and complex account investigations, applying sound judgment to resolve issues and deliver a high quality customer experience. * Maintain accurate and up to date customer records, ensuring all account information and status changes are properly documented. * Meet or exceed department performance targets through organized, proactive, and effective collections efforts. 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. * Assist with onboarding and training of new team members, leveraging subject matter expertise to reinforce processes and best practices. * Serve as a first-line resource for workflow questions, troubleshooting, and escalations from peers. Process & Documentation * Assist with drafting and updating Standard Operating Procedures (SOPs) to reflect current processes, ensuring documentation is accurate, accessible, and easy to follow. * 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. * Deep understanding of collections processes, strategies, and regulatory considerations. * Demonstrated ability to handle escalated customer situations with professionalism, empathy, and sound judgment. * Detailed in communication, writing, and typing skills – able to clearly convey information to customers and peers alike. * Detail-oriented with a passion for accuracy and process consistency. * Comfortable providing peer feedback and contributing to the growth and development of teammates. * Proactive problem solver who can pivot quickly to address immediate business needs. * Proficient in LoanPro, Genesys, Google Sheets, Confluence, and Jira. * Ability to work independently with general instructions, managing priorities effectively with minimal supervision. * Flexibility with schedule changes and availability for overtime based on business needs. ### BENEFITS & PERKS * Generous medical, dental, vision, and HSA options with employer contributions. * Eligible for up to $1200/monthly performance bonus * 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 Show more [Apply now >](https://jobicy.com/jobs/152685-senior-collections-specialist.md) * ![Upload CV](data:image/svg+xml;base64,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) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. 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