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Work From Home Credit Recovery Officer Jobs (NOW HIRING)

AO Globe Life

Work From Home

Virginia Beach, VA · On-site +1

Join our fully virtual, work-from-home team where you can earn an exceptional income while still cherishing every precious moment with your loved ones. With the freedom to set your own hours, you can ...

AO Globe Life

Work From Home

Virginia Beach, VA · On-site +1

Join our fully virtual, work-from-home team where you can earn an exceptional income while still cherishing every precious moment with your loved ones. With the freedom to set your own hours, you can ...

The Jernigan Agency

WORK FROM HOME

Bend, OR · On-site +1

$300 - $500/wk

We are looking for individuals interested in working from home, remotely, as life insurance sales representatives. We are hiring coachable individuals comfortable with a 100% commission based income ...

The Jernigan Agency

WORK FROM HOME

Sioux Falls, SD · On-site +1

$300 - $500/wk

We are looking for individuals interested in working from home, remotely, as life insurance sales representatives. We are hiring coachable individuals comfortable with a 100% commission based income ...

The Jernigan Agency

WORK FROM HOME

Decatur, GA · On-site +1

$300 - $500/wk

We are looking for individuals interested in working from home, remotely, as life insurance sales representatives. We are hiring coachable individuals comfortable with a 100% commission based income ...

The Jernigan Agency

WORK FROM HOME

Hope Hull, AL · On-site +1

$300 - $500/wk

We are looking for individuals interested in working from home, remotely, as life insurance sales representatives. We are hiring coachable individuals comfortable with a 100% commission based income ...

AO Globe Life

Work From Home

Virginia Beach, VA · On-site +1

Join our fully virtual, work-from-home team where you can earn an exceptional income while still cherishing every precious moment with your loved ones. With the freedom to set your own hours, you can ...

AO Globe Life

Work From Home

Virginia Beach, VA · On-site +1

Join our fully virtual, work-from-home team where you can earn an exceptional income while still cherishing every precious moment with your loved ones. With the freedom to set your own hours, you can ...

The Jernigan Agency

WORK FROM HOME

Shreveport, LA · On-site +1

$300 - $500/wk

We are looking for individuals interested in working from home, remotely, as life insurance sales representatives. We are hiring coachable individuals comfortable with a 100% commission based income ...

The Jernigan Agency

WORK FROM HOME

Washington, DC · On-site +1

$300 - $500/wk

We are looking for individuals interested in working from home, remotely, as life insurance sales representatives. We are hiring coachable individuals comfortable with a 100% commission based income ...

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All JobsCredit Recovery Officer JobsWork From Home Credit Recovery Officer Jobs

Work From Home Credit Recovery Officer information

See salary details

$35K

$98K

$147.5K

How much do work from home credit recovery officer jobs pay per year?

As of Aug 3, 2026, the average yearly pay for work from home credit recovery officer in the United States is $98,014.00, according to ZipRecruiter salary data. Most workers in this role earn between $78,000.00 and $120,500.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a work from home credit recovery officer, and why are they important?

To thrive as a Work From Home Credit Recovery Officer, you need strong knowledge of debt collection practices, negotiation skills, and typically a high school diploma or equivalent. Familiarity with customer relationship management (CRM) systems, telephony software, and relevant compliance certifications like FDCPA is often required. Excellent communication, resilience, and problem-solving abilities help you effectively engage with clients and manage challenging conversations remotely. These skills ensure successful debt recovery, regulatory compliance, and positive client relations in a remote working environment.

What is a work from home credit recovery officer?

A Work From Home Credit Recovery Officer is a professional responsible for contacting customers who have overdue accounts to arrange payment plans or recover outstanding debts, all while working remotely. They typically communicate with clients via phone, email, or online platforms, negotiating repayment terms and providing information about account status. These officers also document interactions and may collaborate with other departments to resolve disputes. Working from home allows them flexibility while still meeting company targets for debt recovery. Strong communication and negotiation skills are essential for this role.

What is the difference between Work From Home Credit Recovery Officer vs Work From Home Debt Collector?

AspectWork From Home Credit Recovery OfficerWork From Home Debt Collector
Primary RoleRecovering overdue credit payments and managing customer accountsCollecting unpaid debts directly from consumers or businesses
Required SkillsCommunication, negotiation, credit knowledgePersistence, negotiation, debt collection laws knowledge
Work EnvironmentRemote, office-based, financial institutionsRemote, collection agencies or financial firms
Common CertificationsCredit management, customer serviceDebt collection certification, legal compliance

While both roles involve debt recovery, the Credit Recovery Officer focuses on managing overdue accounts and maintaining customer relationships, whereas the Debt Collector primarily concentrates on directly collecting unpaid debts, often through more aggressive collection methods. Both roles require strong communication skills and knowledge of credit or debt laws, but their approaches and responsibilities differ.

How does a work from home credit recovery officer typically collaborate with other departments to resolve outstanding debts?

As a Work From Home Credit Recovery Officer, you’ll frequently coordinate with teams such as customer service, accounting, and legal to resolve overdue accounts. Effective collaboration ensures you have the most up-to-date information on clients’ accounts and can address disputes or escalate complex cases appropriately. Regular virtual meetings, shared digital platforms, and clear documentation are essential for seamless communication and case management. This collaborative approach helps in negotiating payment plans and achieving better recovery outcomes.
More about Work From Home Credit Recovery Officer jobs
What cities are hiring for Work From Home Credit Recovery Officer jobs? Cities with the most Work From Home Credit Recovery Officer job openings:
What states have the most Work From Home Credit Recovery Officer jobs? States with the most job openings for Work From Home Credit Recovery Officer jobs include:
What job categories do people searching Work From Home Credit Recovery Officer jobs look for? The top searched job categories for Work From Home Credit Recovery Officer jobs are:
Work From Home Credit Recovery Officer jobs near you
Infographic showing various Work From Home Credit Recovery Officer job openings in the United States as of July 2026, with employment types broken down into 67% Part Time, and 33% Contract. Highlights an 33% In-person, and 67% Remote job distribution, with an average salary of $98,014 per year, or $47.1 per hour.

Credit Specialist (Work From Home)

Central Garden & Pet

Boise, ID • Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 22 days ago

Central Garden & Pet rating

7.7

Company rating: 7.7 out of 10

Central Garden & Pet

Based on 41 frontline employees who took The Breakroom Quiz

7.4

Company rating compared to similar companies: 7.4 out of 10

Manufacturers average

Based on 74,790 frontline employees who took The Breakroom Quiz

The best things about working at Central Garden & Pet

  • 97%

    97% say they get paid breaks

    say they get paid breaks

  • 94%

    94% say it is easy to take sick days

    say it is easy to take sick days

  • 94%

    94% say they don’t worry about hours

    say they don’t worry about hours

Featured by Central Garden & Pet, based on 41 Breakroom Quiz responses from their frontline employees

Job description

Description

Work From Home position available in the Boise, ID area!  If you have high energy, are metric driven and want to fill a key role with our Invoice to Cash (ITC) team, keep reading!  Central Garden & Pet is searching for a Credit Specialist who will execute processes, policies and solutions to support the Credit processing function of the Shared Services Center. Full time employees enjoy excellent benefits including medical, dental, vision, short-term and long term disability, free life insurance, tuition reimbursement, and more!
 
KEY RESPONSIBILITIES 
  • Investigates credit risks and follows guidelines for granting credit to customers
  • Recommends new lines of credit and/or the extension of credit limits
  • Negotiates collection arrangements for overdue account balances
  • Handles all levels of accounts from small to more complex and larger accounts
  • Compiles credit data following established company policies and guidelines
  • Performs initial customer setup including reviewing application, bank and credit references, D&B reports, and financial statements
  • Analyzes credit data and financial statements to determine degree of risk
  • Works within deadlines while ensuring accurate policies and procedures are being adhered to
  • Recommends authorizing or disapproving extensions of credit and adjustments to manager
  • Routinely reviews customer credit worthiness and evaluates current credit limits
  • Maintains customer files and makes sure that necessary documentation is received and filed
  • Builds and maintains customer relationships
  • Additional duties as assigned
QUALIFICATIONS 
  • 3-5 years of high-volume corporate credit granting and risk management experience, preferred.
  • Experience in negotiations, customer service and effective delivery of services
  • Knowledge of credit procedures
  • Experience working with enterprise systems such as SAP, Oracle, etc.
  • Experience working with large customer base and in resolving disputes
  • Understanding of internal controls including SOX requirements for  ITC
  • Consumer Products experience, preferred
  • Experience in shared service environment, preferred
  • Knowledgeable with SAP, preferred
  • Ability to partner with Shared Service Center management and provide input into process improvement as well as effective execution and change management within the team
  • Works well in an environment with firm deadlines; results oriented
  • Ability to work in a heavily metric driven organization
  • Strong customer service and communication skills
  • Strong written, verbal, interpersonal and analytical skills
  • Strong attention to detail, goal oriented
  • Possess process improvement mindset with a desire to consistently look for ways to improve efficiency and service
  • Proficient in Microsoft Word and Excel
  • Perform multiple tasks effectively
  • Able to work both independently and as part of a team
  • Candidate should have the highest integrity and character and possess finance experience and business sense.  
  • Must be able to follow process and collaborate cross-functionally and with 3rd party vendors
  • Ability to work in a constant state of alertness and safe manner
  • Must be based out of Boise, ID area
BENEFITS PACKAGE & EMPLOYEE PROGRAMS 
  • Comprehensive Medical, Dental, and Vision Insurance
  • Free Life and Disability Insurance
  • Health and Dependent Care Flexible Spending Accounts
  • 401k with 3% company match and annual employer discretionary contribution
  • Paid vacation, holidays and sick time
  • Employee Assistance Program
  • Access to thousands of free online courses
  • Discounts on cell phones, movie tickets, gym memberships, and more!
  • Education Assistance (both college degrees and professional certifications)
  • Referral Program with cash bonus
  • Access to on-demand pay
  • Paid parental leave
 
Central Garden & Pet Company (NASDAQ: CENT) (NASDAQ: CENTA) is a leading consumer goods company in the pet and garden industries. Guided by the belief that home is central to life, the Company's purpose is to proudly nurture happy and healthy homes. For over 45 years, its innovative and trusted solutions have helped lawns grow greener, gardens bloom bigger, pets live healthier, and communities grow stronger. Central is home to a diversified portfolio of market-leading brands including Amdro®, Aqueon®, Best Bully Sticks®, Cadet®, C&S®, Farnam®, Ferry-Morse®, Kaytee®, Nylabone®, Pennington®, Sevin® and Zoёcon®. With fiscal 2025 net sales of $3.1 billion, Central has strong manufacturing and logistics capabilities supported by a passionate, entrepreneurial growth culture. The Company is headquartered in Walnut Creek, California, and employs over 6,000 people, primarily across North America. Visit www.central.com to learn more.
 
We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, sexual orientation, gender identity, or any other characteristic protected by law.
#LI-RR1

Working at Central Garden & Pet

Perks for frontline workers

From Central Garden & Pet, via Breakroom

  • Safety is a top priority!

  • Paid Vacation

  • Paid Holidays

  • Paid Sick Time

  • Paid Breaks

  • Consistent shift and schedule

  • Comprehensive Health Insurance

  • 401k with Company Match

  • Referral Program with Cash Bonus

  • Education Assistance

  • Paid Parental Leave

About Central Garden & Pet, in their own words

From Central Garden & Pet

Our leading consumer and professional brands provide forward-thinking, high quality products to care for your lawn, garden, pets and community. We are committed to helping lawns grow greener, gardens bloom bigger, pets live healthier and communities grow stronger.

Company values

From Central Garden & Pet

The Central Way | We Do the Right Thing | We Strive to be the Best | We are Entrepreneurial | We Win Together | We Grow Every Day | We are Passionate

Diversity and inclusion statement

From Central Garden & Pet

Central Garden & Pet is committed to building a great place to work that embraces diversity as a key pillar of our culture. This is a journey, and we are committed to listening, learning and doing the work to move forward together.

What Central Garden & Pet employees say

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