Remote Night Jobs in Lowell, MA (NOW HIRING)

Bilingual Credit Counselor – Remote | West Coast Evening Shift

$21–$22/hour | Full-Time | 100% Remote | Paid Training

American Consumer Credit Counseling (ACCC) is hiring Credit Counselors for our West Coast Evening Shift.

We’re looking for empathetic, strong communicators who are comfortable helping clients discuss their finances and find solutions. No prior credit counseling experience is required—we provide paid training.

What We Offer

• $21–$22/hour
• 100% remote, full-time position
• Paid training
• Employee benefits
• Bonus/incentive opportunities
• Company-provided equipment
• Growth opportunities

What You'll Do

• Answer calls and build trust with consumers seeking financial guidance.
• Review income, expenses, debts, and budgets and recommend appropriate financial solutions, including debt management, bankruptcy, credit, and collection options.
• Provide financial education and assist qualified clients with program enrollment.
• Process applications and accurately enter and verify client information.
• Follow up with prospective clients.
• Verify client-provided information using approved systems and information sources to support accuracy and compliance.
• Follow ACCC procedures, compliance requirements, and training standards.
• Complete required training and certification requirements within established timeframes.
• Follow all processes and procedures as outlined in the training guide.
• Perform other related duties as assigned.

Requirements

Qualifications

• High school diploma or equivalent required.
• Strong customer service, communication, and listening skills.
• Comfortable discussing sensitive personal financial matters by phone.
• Basic computer and math skills.
• Strong attention to detail, organization, and time-management skills.
• Ability to accurately document client information and follow established procedures.
• Ability to write routine reports and client correspondence
• Ability to work independently and collaboratively in a remote environment.
• Reliable internet connection and a quiet, dedicated workspace appropriate for confidential client conversations.
• Customer service, call center, financial services, or sales experience preferred.
• Must successfully obtain the NFCC Credit Counselor Certification within six months of employment.

Schedule

Full-time, West Coast evening shift. Candidates must be available for the assigned evening schedule.

Employees must adhere to their designated work hours and be available for scheduled meetings, calls, and tasks, unless adjustments approved in advance.

Working Conditions & Physical Requirements

This is a remote position requiring regular use of a computer, telephone/headset, and other company-provided equipment. The position involves prolonged computer work, frequent keyboarding, and extended telephone communication with clients.

Employees must be able to perform the essential functions of the position, with or without reasonable accommodation.

This approach is consistent with EEOC guidance that essential functions should focus on the fundamental duties of the position and that qualified individuals must be able to perform those functions with or without reasonable accommodation. (EEOC)

*Nothing in this job description is intended to create a contractual obligation or modify an employee’s at-will employment status.

Equal Employment Opportunity & Reasonable Accommodation

ACCC is an equal opportunity employer and is committed to creating an inclusive and diverse workplace. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, disability, age, genetic information, veteran status, or any other protected characteristic as defined by applicable law. We believe in fostering a workplace where everyone feels valued, respected, and empowered to succeed.

If you need assistance or accommodation during the application process due to a disability, please contact HR@consumercredit.com.

Benefits

• Why Join ACCC?
• $21–$22/hour
• Performance bonuses
• Additional night-shift differential pay
• 100% remote
• Company-provided equipment
• Medical, dental & vision
• Medical and dependent Flexible Spending Account (FSA)
• Short-Term and Long-Term Disability; Life Insurance
• 401(k) with company match
• PTO & paid holidays
• Paid training and professional development