Dynamic Customer Solutions Representative – Collector & Payment Negotiation Specialist – Remote (AR, MI, NC, PA) – Start Date Flexible 2027 at brighthush

About brighthush and the Opportunity

Welcome to brighthush, a forward‑thinking leader in the digital financial services arena. With a portfolio that spans banking, auto financing, insurance, and investment solutions, we empower more than 11 million customers across the United States to achieve their financial goals. Our culture is built on innovation, integrity, and a relentless focus on customer success. As we continue to expand our footprint, we’re looking for a motivated and empathetic Customer Solutions Representative – Collector to join our remote team. This role is ideal for individuals who thrive in a dynamic environment, enjoy building relationships, and are passionate about helping people navigate their financial journeys.

Why This Role Matters

As a Collector at brighthush, you will be the frontline advocate for our customers, ensuring that they receive clear, compassionate, and effective communication regarding their account status. Your work directly influences customer satisfaction, retention, and the overall financial health of our organization. By mastering payment negotiation techniques and leveraging our advanced digital tools, you’ll help customers find solutions that work for both them and brighthush, fostering long‑term loyalty and trust.

Key Responsibilities

• Outbound Outreach: Initiate proactive calls to customers with outstanding balances, offering tailored payment arrangements and guiding them toward a resolution.
• Inbound Support: Receive and manage inbound calls from customers seeking assistance, ensuring a seamless, courteous experience.
• Payment Negotiation: Utilize proven negotiation strategies to structure payment plans that align with customer circumstances while meeting company recovery targets.
• Account Management: Maintain accurate and up‑to‑date records of all customer interactions, payment agreements, and follow‑up actions in our CRM system.
• Compliance & Quality Assurance: Adhere to all regulatory guidelines, internal policies, and quality standards to protect both the customer and brighthush.
• Team Collaboration: Work closely with cross‑functional teams—such as Collections, Customer Experience, and Finance—to resolve complex cases and share best practices.
• Continuous Improvement: Participate in training sessions, feedback loops, and process improvement initiatives to elevate service quality and operational efficiency.

Essential Qualifications

• High school diploma or GED (or equivalent).
• Minimum of 0 years of customer service or collections experience; however, a strong desire to learn and grow is essential.
• Proficiency with Microsoft Windows and internet‑based applications, including email, web browsers, and basic spreadsheet tools.
• Excellent verbal and written communication skills in English.
• Strong interpersonal skills with the ability to build rapport quickly and handle sensitive conversations with empathy.
• Ability to work flexible hours, including weekends, holidays, and occasional overtime, to meet customer needs and business objectives.
• Must reside within 100 miles of one of the designated remote hubs (Arkansas, Michigan, North Carolina, Pennsylvania, Delaware, South Carolina, or New Jersey).
• Valid driver’s license and reliable transportation are preferred, though not mandatory for remote work.

Preferred Qualifications

• Prior experience in a collections or debt recovery environment.
• Knowledge of financial regulations such as the Fair Debt Collection Practices Act (FDCPA) and the Consumer Financial Protection Bureau (CFPB) guidelines.
• Experience using customer relationship management (CRM) platforms (e.g., Salesforce, Zendesk).
• Basic understanding of financial products and terminology.
• Multilingual capabilities, especially Spanish, are a plus.

Core Skills & Competencies

• Customer‑Centric Mindset: A genuine commitment to understanding and addressing customer needs.
• Problem‑Solving: Ability to assess situations quickly and devise effective solutions.
• Negotiation: Skilled at finding win‑win outcomes that satisfy both the customer and the organization.
• Time Management: Efficiently prioritize tasks in a fast‑paced environment.
• Adaptability: Comfortable with change and able to learn new tools and processes rapidly.
• Team Player: Collaborative attitude and willingness to support colleagues.

Career Growth & Learning Opportunities

At brighthush, we believe that every team member has the potential to grow. As a Customer Solutions Representative, you’ll have access to:

• Structured onboarding and mentorship programs designed to accelerate your learning curve.
• Regular training sessions covering advanced negotiation techniques, product knowledge, and regulatory compliance.
• Clear career pathways into senior collections roles, customer experience leadership, or cross‑functional positions such as Operations, Finance, or Product Management.
• Access to an internal learning portal with courses on communication, conflict resolution, and data analytics.
• Opportunities to contribute to process improvement projects that shape the future of our collections strategy.

Work Environment & Company Culture

brighthush champions a culture of inclusivity, transparency, and continuous improvement. Even though this role is remote, you’ll be part of a vibrant community that values:

• Regular virtual town halls and team‑building events.
• Open communication channels with leadership and peers.
• A focus on work‑life balance, with flexible scheduling to accommodate personal commitments.
• Recognition programs that celebrate achievements and milestones.
• Commitment to diversity, equity, and inclusion, ensuring every voice is heard.

Compensation & Benefits

Base Salary: Competitive annual salary ranging from $47,840 to $47,840 (USD), commensurate with experience and performance. Performance Incentives: Potential for quarterly bonuses based on individual and team metrics. Benefits Package:

• 401(k) plan with company matching.
• Generous paid time off (PTO) and paid holidays.
• Comprehensive health, dental, and vision insurance.
• Tuition reimbursement program to support ongoing education.
• Parental leave policies that exceed statutory requirements.
• Employee assistance program (EAP) for mental health and well‑being.
• Wellness stipend and access to virtual fitness classes.
• Flexible work-from-home stipend to optimize your home office setup.

How to Apply

If you’re ready to make a tangible impact on customer lives while advancing your career in a supportive, forward‑thinking environment, we encourage you to apply today. Submit your resume and a brief cover letter outlining why you’re the ideal fit for the Customer Solutions Representative – Collector role at brighthush. We look forward to exploring how your skills and passion align with our mission to deliver exceptional financial experiences.

Join brighthush – Where Your Voice Matters and Your Growth is Our Priority

At brighthush, we’re not just building a company; we’re building a community of innovators, problem‑solvers, and customer advocates. Your role as a Collector will be pivotal in shaping the financial journeys of millions. Embrace the challenge, seize the opportunity, and help us redefine what it means to provide outstanding customer service in the digital age. Apply now and become part of a team that values your contributions, supports your growth, and celebrates your successes.