Credit Collections Associate Jobs in Kentucky (NOW HIRING)

***This is a hybrid role, working approximately 25% of time in office and the remainder of time remotely.***

Attain Finance is a leading consumer credit lender serving U.S. and Canadian customers for over 25 years. Our roots in the consumer finance market run deep. We've worked diligently to provide customers a variety of convenient, easily accessible financial services. Our decades of diversified data power a hard-to-replicate underwriting and scoring engine, mitigating risk across the full spectrum of credit products. We operate under a number of brands including Cash Money, LendDirect, Heights Finance, Southern Finance, Covington Credit, Quick Credit and First Heritage Credit.

The Account Specialist is responsible for contacting clients with overdue accounts, negotiating repayment plans, and ensuring compliance with company policies and legal regulations. This role plays a critical part in maintaining the financial health of the organization by reducing delinquency rates and improving recovery outcomes.

Key Responsibilities

• Contact customers via phone, email, or mail to recover outstanding debts
• Negotiate payment arrangements and settlements in line with company guidelines
• Maintain accurate records of all communications and recovery activities
• Collaborate with internal departments to resolve account discrepancies
• Escalate unresolved or high-risk accounts to supervisors or legal teams
• Adhere to FDCPA, FCRA, and other regulatory requirements
• Provide second-voice support when needed to assist with escalated calls
• Participate in team meetings and training sessions to stay updated on policies and best practices
• Meet or exceed individual and team recovery targets
• Maintain professionalism and confidentiality in all customer interactions

Skills & Qualifications

• 1+ year experience in collections, customer service, or financial services
• Fluency in English and Spanish
• Strong communication and negotiation skills across languages
• Ability to handle sensitive conversations with empathy and professionalism
• Familiarity with debt collection laws and practices
• Proficiency in Microsoft Office (Word, Excel, Outlook)
• Strong attention to detail, organizational skills, and decision-making abilities
• Ability to work independently and collaboratively in a team environment

Work Environment & Requirements

• Full-time position with flexible scheduling, including rotational shifts
• Must be able to work in a fast-paced, high-volume call center environment
• Remote work requirements:

• Quiet, private workspace free of background noise
• Hardwired connection to modem using ethernet cable
• High-speed internet (minimum 50 Mbps download & 5 Mbps upload)

Remote work is 3 days at home and 2 days in office; subject to change based on productivity results

Education or Equivalent Experience

• Minimum educational requirement: High School Diploma, General Equivalency Diploma (GED), or equivalent experience
• Associate degree or higher is preferred
• Commitment to continuous learning and applying industry best practices throughout the client life cycle

Hours of Operation: Monday-Friday 8:00 AM-9:00 PM Eastern; Sat 8:00 AM-12:00 PM Eastern. 

Base Hourly Rate: $19.00 - $20.00

The base hourly range represents the low and high end of the anticipated hourly range for this position based on the state average.  The actual base hourly offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience.

All full-time employees are also eligible for the following benefits: Paid Time Off, Medical, Dental, Vision, 401k, Life Insurance, Disability, and other voluntary coverages.

This employer participates in E-Verify for US-based hires.

#ATTAINFINANCE   #ATTAINRP 

Attain Finance Supports Equal Employment Opportunity. CURO (dba Cash Money, LendDirect, Heights Finance, Southern Finance, Covington Credit, Quick Credit, and First Heritage Credit) is committed to a policy of providing equal employment opportunity to all qualified employees and applicants. This commitment is reflected in all aspects of our daily operations. We do not discriminate on the basis of race, color, sex, religion, national origin, marital status, age, disability, veteran status, or genetic information in any personnel practice, including recruitment, hiring, training, compensation, promotion, and discipline. Additionally, we do not discriminate based on any other characteristic protected by applicable state/provincial or local law where a particular employee works. In addition, it is the policy of Attain Finance to provide reasonable accommodation to qualified employees who have protected disabilities to the extent required by federal law and any state/provincial law where a particular employee works.

Notice to Attain Finance job applicants: Attain Finance will never ask for your personal banking information, transfer of funds, a credit card, or for you to purchase any equipment to process a job application or for training. Authorized Attain Finance representatives' email addresses will end in @attainfinance.com,  @curo.com, @first-heritage.com, @heightsfinance.com, and @cashmoney.ca.