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Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.
We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.
Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.
We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.
About the Role:
We’re looking for a Recovery Specialist responsible for the collection of delinquent auto loan accounts that are or are about to be assigned for repossession. Utilizes telephone, automated dialer, and written correspondence in a fast-paced goal-oriented collections department. Accountable for reducing delinquency for assigned accounts. Responsible for skip tracing to locate accounts that are assigned for repossession.
What You’ll Do:
- Confers with customers by telephone in an attempt to collect current and past due payments, determines the reason for delinquency, and updates customer information.
- Confirms account holder by following safeguards procedures on every call.
- Adheres to collection standards of conduct policy on all accounts including third parties.
- Adheres to all federal and state collections laws.
- Utilizes collection skip tools to locate accounts leading to resolution.
- Recommend accounts for repossession or legal action.
- Maintains delinquent rates at or below objectives.
- Meet daily and weekly production goals (Calls, repossessions, and dollars collected).
- Compliance with all company policies and procedures.
- All other duties assigned.
What We Look For:
- A flexible mindset – as a start-up, we are growing quickly and you may need to adapt to changing policies and procedures while maintaining high-quality work output.
- Excellent time management and work prioritization skills while managing multiple projects.
- Capable of completing assigned tasks with careful attention to detail.
- Ability to thrive in a dynamic, fast-paced and changing environment with ease and with minimal supervision.
- Excellent verbal and written communication skills with the ability to work effectively with a wide range of people.
- Proven track record of meeting and exceeding production and quality expectations.
- 2+ years of experience in skip tracing within an auto finance environment.
- Familiar with repossession and skip tracing laws.
What We Offer You:
- Great open office space
- Paid time off (PTO)
- 401K matching
- Comprehensive benefits package: Medical, dental, vision, life insurance & disability
- Conveniently located in the heart of Downtown Phoenix close to light rail and public transportation
- Paid parking or platinum pass
- New Hire Training Program
- Wellness Incentive Program
- Kitchen fully stocked with snacks and beverages
#LI-Onsite
For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.
We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
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Key Facts About Charlotte Tech
- Number of Tech Workers: 90,859; 6.5% of overall workforce (2024 CompTIA survey)
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- Research Centers and Universities: University of North Carolina at Charlotte, Northeastern University, North Carolina Research Campus
