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Evening Credit Card Customer Service Jobs (NOW HIRING)

SteerBridge

Customer Support Lead

Vienna, VA

$100K - $115K/yr

The ideal candidate is a strong people leader with experience supporting credit card products or financial services, excellent communication skills, and a passion for delivering outstanding customer ...

SteerBridge

Customer Support Lead

Vienna, VA · On-site

$100K - $115K/yr

The ideal candidate is a strong people leader with experience supporting credit card products or financial services, excellent communication skills, and a passion for delivering outstanding customer ...

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Evening Credit Card Customer Service information

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How much do evening credit card customer service jobs pay per hour?

As of Aug 8, 2026, the average hourly pay for evening credit card customer service in the United States is $23.19, according to ZipRecruiter salary data. Most workers in this role earn between $19.23 and $25.96 per hour, depending on experience, location, and employer.

What are some common challenges faced by evening credit card customer service representatives, and how can they be managed?

Evening Credit Card Customer Service representatives often encounter higher call volumes and more urgent customer issues, as clients may call after discovering problems during the day. Managing stress and maintaining professionalism during peak hours are key challenges. Representatives benefit from strong communication skills, effective time management, and familiarity with escalation procedures. Team leaders and supervisors are typically available to provide support, and regular training helps staff stay updated on processes and customer care techniques.

What is an evening credit card customer service representative?

Evening credit card customer service representatives are professionals who assist credit card holders with their account questions, concerns, and transactions during evening hours. They handle inquiries about balances, payments, transactions, disputes, and lost or stolen cards. These representatives are essential for providing support outside of typical business hours, ensuring customers can access help when they need it. They often work in call centers or remotely, using specialized software to securely access and manage customer accounts.

What are the key skills and qualifications needed to thrive as an evening credit card customer service representative?

To excel as an Evening Credit Card Customer Service Representative, you need strong communication skills, problem-solving abilities, and a high school diploma or equivalent. Familiarity with customer relationship management (CRM) software, call center phone systems, and secure payment processing tools is typically required. Patience, empathy, and the ability to remain calm under pressure distinguish top performers in this role. These skills are crucial for efficiently resolving customer issues, ensuring satisfaction, and maintaining compliance during high-volume evening shifts.

What is the difference between Evening Credit Card Customer Service vs Night Credit Card Customer Service?

AspectEvening Credit Card Customer ServiceNight Credit Card Customer Service
Work HoursTypically 4 PM to 12 AMTypically 10 PM to 6 AM
Required SkillsCustomer support, communication, problem-solvingCustomer support, communication, problem-solving
Work EnvironmentCall centers, office settingsCall centers, office settings
Industry UsageCommon in banking and finance sectors

Both Evening and Night Credit Card Customer Service roles involve assisting customers with their credit card inquiries, requiring similar skills and work environments. The main difference lies in their shift timings, with evening roles ending around midnight and night roles covering overnight hours. Employers often seek candidates with strong communication and problem-solving skills for both positions.

What cities are hiring for Evening Credit Card Customer Service jobs? Cities with the most Evening Credit Card Customer Service job openings:
What are the most commonly searched types of Credit Card Customer Service jobs? The most popular types of Credit Card Customer Service jobs are:
What states have the most Evening Credit Card Customer Service jobs? States with the most job openings for Evening Credit Card Customer Service jobs include:
Evening Credit Card Customer Service jobs near you

Credit Card Underwriting Manager

Bakkt Financial Solutions I LLC

Remote

Full-time

Re-posted 9 days ago

Job description

Powering the next generation of global finance
About Us
Founded in 2018, Bakkt, Inc. is a regulated financial technology company building infrastructure for the future of finance. Bakkt's platform serves financial institutions, fintechs, and consumer finance products - providing the compliance, security, and scale required to deliver trusted financial services at a global level. Through its core business pillars, Bakkt powers institutional-grade trading capabilities, AI-enabled programmable finance, and cross-border payment infrastructure.
Job Summary
We are seeking a seasoned and strategic Credit Card Underwriting Manager to establish and own the comprehensive credit risk framework for our new credit card program. This critical, high-impact role will be responsible for managing application quality, designing automated and manual decisioning processes, owning the administration and performance of the Loan Origination Platform, and setting the program's overall credit risk strategy. The manager is accountable for protecting the program from credit and fraud losses, ensuring strict regulatory compliance, and proactively managing the credit risk profile and the through the door quality of the portfolio.
Reporting Structure
  • Direct Report to Head of Credit Card
Primary Responsibility
Establish and drive the end-to-end credit risk management lifecycle in a de novo environment, encompassing the Credit Risk Policy framework, implementation and integration of the Loan Origination System (LOS), application quality assessment, automated and manual decisioning, and managing post-approval credit monitoring, all while ensuring strict program compliance with key financial regulations (Reg B, FCRA).
Key Responsibilities & Essential Functions
  • Credit Policy & Underwriting:
    • Establish and own the foundational Credit Risk Policy framework.
    • Define and manage the underwriting rules and logic within the Loan Origination System (LOS).
    • Conduct Manual Reviews on "Refer" applications, including thorough KYC and Income verification.
    • Own and manage the Adverse Action process and the delivery of all required credit notices, ensuring strict compliance with Regulation B (Reg B) and the Fair Credit Reporting Act (FCRA).
    • Continuously monitor and update the Credit Policy buy box based on emerging market trends and performance data.
    • Oversee model governance, including performance monitoring, recalibration, and coordinating independent model validation.
  • Risk Monitoring & Fraud Management:
    • Proactively monitor the performance, stability, and validity of the automated credit scoring model.
    • Identify and mitigate complex emerging fraud trends, such as "Sleeper" fraud (synthetic identities).
    • Coordinate with Operations team on Collections and report on the Delinquency Pipeline, including Early-stage collections and roll rates.
  • Vendor & Stakeholder Management:
    • Manage the relationship and technical integration with the Loan Origination System (LOS) provider and credit bureau partners (for both origination and monthly credit reporting).
    • Ensure the Credit Bureau reporting of the Metro2 file is successful executed and respond to Credit Bureau inquiries & escalations in a timely manner
    • Coordinate vendor selection and integration with Compliance, Legal, and Analytics teams to ensure all underwriting systems adhere to regulatory requirements.
    • Serve as the primary credit risk liaison with the Sponsor Bank, ensuring all credit policies and underwriting rules operate within their defined risk appetite and are approved.
  • Team Support:
    • Serve as the backup and escalation resource for the Head of Credit Card, and support other credit card team members as needed.
    • Provide additional duties not explicitly referenced as required by the Head of Credit Card
Qualifications
  • Proven experience in credit card underwriting and credit risk management, including a deep understanding of credit scoring models and compliance with Adverse Action regulations.
  • Demonstrated ability to manage and update Credit Risk Policy frameworks and buy boxes.
  • Strong analytical skills for monitoring automated model performance, portfolio delinquency, and identifying emerging fraud trends.
  • Experience with KYC and credit quality verification processes for manual application reviews.
  • Expertise in relevant consumer credit regulations, including Reg B and FCRA.
  • Excellent problem-solving and communication skills for working with cross-functional teams in a highly matrixed fast paced environment
  • Extensive experience in working with external vendors, including Loan Origination Systems, Credit Bureaus, KYC & Fraud providers.

Bakkt is devoted to having diversity in its workforce and is proud to be an equal opportunity employer. Bakkt does not make any employment decisions based on race, color, religion, sex, national origin, veteran status, disability, age, sexual orientation, gender identity or any other characteristic protected by law. Must successfully pass a post-offer background check and drug screen.
California Candidate Privacy Notice
Before submitting your application, please review Bakkt's California Candidate Privacy Notice and Notice at Collection, which explains how Bakkt collects, uses, retains, and discloses applicant and candidate personal information during the recruiting process. The notice is available here: https://bakkt.com/candidate-privacy/

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