Early Stage Collections (Consumer Lending & Credit Cards)
Position Overview
We are seeking a motivated and member-focused Early Stage Collections Representative to join our team. In this role, you will play a critical part in supporting our members’ financial well‑being while helping to protect the Credit Union’s assets. You will engage directly with members whose consumer loans or credit cards are in the early stages of delinquency (0–30 days past due), offering compassionate guidance, financial solutions, and timely account resolution.
Key Responsibilities
- Proactively contact members with past due consumer loan and credit card accounts within the first 30 days of delinquency.
- Educate and counsel members on their financial obligations, helping them understand available options and develop manageable repayment plans.
- Provide personalized financial counseling aimed at improving members’ financial stability and long‑term success.
- Negotiate payment arrangements and recommend solutions that align with both member needs and organizational objectives.
- Accurately document all interactions and maintain detailed account records in compliance with internal guidelines.
- Ensure all collection activities strictly adhere to applicable federal, state, and regulatory requirements, as well as Credit Union policies and procedures.
- Identify potential risks early and take appropriate action to mitigate loss while preserving positive member relationships.
Job Type & Location
This is a Contract to Hire position based out of Phoenix, AZ.
Pay and Benefits
The pay range for this position is $20.85 - $20.85/hr.
Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan or program terms. If eligible, the benefits available for this temporary role may include the following:
- Medical, dental & vision
- Critical Illness, Accident, and Hospital
- 401(k) Retirement Plan – Pre‑tax and Roth post‑tax contributions available
- Life Insurance (Voluntary Life & AD&D for the employee and dependents)
- Short and long‑term disability
- Health Spending Account (HSA)
- Transportation benefits
- Employee Assistance Program
- Time Off/Leave (PTO, Vacation or Sick Leave)
Workplace Type
This is a hybrid position in Phoenix, AZ.
Application Deadline
This position is anticipated to close on Jun 19, 2026.
The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.
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