Seasoned Remote Auto Finance Collections Specialist – Bilingual English/Spanish Customer Service Representative – High‑Volume Call Center – Full‑Time – Join the Innovative Team at brighthush

About brighthush

brighthush is a trailblazer in the auto‑finance landscape, redefining how drivers manage payments and maintain financial well‑being. With a nationwide footprint, we empower millions of motorists by offering transparent, technology‑driven payment solutions that simplify complex financial journeys. Our mission is to turn every interaction into an opportunity for trust, clarity, and empowerment—ensuring that every customer feels heard, respected, and supported.

Founded on principles of integrity, innovation, and customer‑centricity, brighthush has evolved from a small fintech startup into a leading provider of auto‑finance services. We partner with banks, credit unions, and leasing companies to deliver seamless payment experiences, while our data‑rich platform provides actionable insights that help our partners reduce delinquency and improve customer satisfaction. As we expand, we’re looking for passionate, results‑driven professionals who want to make a tangible difference from the comfort of their own home.

Why Join brighthush?

At brighthush, you’ll be part of a high‑energy, collaborative culture that thrives on continuous improvement and data‑backed decision making. We celebrate diversity, encourage creative problem‑solving, and reward performance with clear career pathways and generous benefits. Whether you’re a seasoned collections specialist or a seasoned customer‑service veteran, you’ll find a supportive environment where your voice matters and your contributions shape the future of auto‑finance.

About the Auto‑Finance Industry

The auto‑finance sector is one of the fastest evolving markets in the United States, driven by shifting consumer expectations, regulatory changes, and technological disruption. Customers now demand instant, frictionless payment options, real‑time account visibility, and proactive communication. At brighthush, we meet these demands by combining cutting‑edge AI, predictive analytics, and a customer‑first philosophy. As a collections specialist, you’ll be at the frontline of this transformation, ensuring that every customer’s payment journey is smooth, compliant, and positive.

Position Overview

As a Remote Customer Service Representative (CSR) at brighthush, you will serve as the frontline advocate for our auto‑finance customers. Your core responsibility is to manage early‑stage delinquent accounts (4–30 days past due) by delivering courteous, compliant, and effective payment reminders and resolution strategies. You will operate in a fast‑paced, high‑volume environment, ensuring every call is handled with professionalism, empathy, and a focus on first‑contact resolution. Your work will directly impact customer satisfaction, retention, and the financial health of our partners.

Key Responsibilities

• Customer Engagement: Answer inbound calls and respond to outbound outreach with a friendly, solution‑oriented tone, building rapport and trust.
• Account Management: Review, update, and reconcile delinquent account details, ensuring accuracy and compliance with FDCPA, TCPA, and other regulatory frameworks.
• Collection Strategies: Apply proven collection techniques—such as payment plans, settlement offers, and motivational interviewing—to secure timely payments while preserving customer relationships.
• Documentation: Record all interactions, payment agreements, and follow‑up actions in our CRM system with meticulous detail, ensuring audit readiness.
• Fraud Prevention: Verify customer identities using secure protocols, detect suspicious activity, and report potential fraud to the appropriate teams.
• Team Collaboration: Participate in daily huddles, share best practices, and contribute to continuous improvement initiatives that elevate team performance.
• First‑Contact Resolution: Strive to resolve the majority of inquiries during the initial call, reducing repeat contacts and enhancing overall customer satisfaction.
• Reporting & Analytics: Generate and analyze performance metrics—such as call volume, resolution rate, and customer satisfaction scores—to identify trends and recommend process enhancements.
• Compliance & Ethics: Adhere strictly to all internal policies and external regulations, maintaining the highest standards of integrity and confidentiality.
• Additional Duties: Assist with special projects, mentor new hires, and support cross‑functional initiatives that align with departmental goals.

Essential Qualifications

• Minimum of 2 years of experience in a call‑center environment, preferably in collections, banking, or finance.
• Strong understanding of collections processes, tactics, and regulatory requirements (FDCPA, TCPA, etc.).
• High school diploma or equivalent; associate’s or bachelor’s degree is a plus.
• Demonstrated ability to meet or exceed call‑center metrics, including call volume, resolution rate, and customer satisfaction scores.
• Excellent verbal and written communication skills in English.
• Proficiency with Microsoft Office Suite (Word, Excel, Outlook) and CRM platforms.
• Reliable, self‑motivated, and capable of working independently in a remote setting.
• Strong time‑management skills and the ability to prioritize tasks effectively.

Preferred Qualifications

• Bilingual proficiency in English and Spanish (both written and spoken).
• Experience with reporting tools and database management.
• Advanced problem‑solving and decision‑making abilities.
• Prior exposure to auto‑finance or credit‑card collections.
• Knowledge of data privacy laws and best practices for handling sensitive information.

Core Skills & Competencies

• Customer‑centric mindset with a passion for problem resolution.
• Strong analytical skills to interpret data and identify trends.
• Adaptability to changing priorities and high‑volume demands.
• Team player who thrives in collaborative, cross‑functional environments.
• Tech‑savvy with the ability to quickly learn new software and tools.
• Resilience under pressure, maintaining composure during challenging interactions.

Career Growth & Learning Opportunities

• Clear advancement path to Senior CSR, Team Lead, or Collections Manager roles.
• Access to continuous learning through online courses, webinars, and industry certifications.
• Mentorship programs pairing new hires with experienced leaders.
• Regular performance reviews with actionable feedback and development plans.
• Opportunities to contribute to cross‑departmental projects, expanding your skill set beyond collections.

Work Environment & Company Culture

• Fully remote, flexible schedule with core hours to support collaboration.
• Inclusive, supportive culture that values diversity and promotes work‑life balance.
• Regular virtual team‑building events, wellness challenges, and recognition programs.
• Transparent communication from leadership, with quarterly town‑halls and open Q&A sessions.
• Commitment to sustainability and community outreach initiatives.

Compensation, Perks & Benefits

• Competitive base salary commensurate with experience, plus performance‑based incentives.
• Comprehensive health, dental, and vision insurance plans.
• 401(k) retirement plan with company match.
• Generous paid time off (PTO) and holiday schedule.
• Flexible work‑from‑home stipend to set up a productive home office.
• Employee assistance program (EAP) and mental health resources.
• Access to a digital learning platform and tuition reimbursement for relevant courses.
• Annual wellness stipend and on‑site fitness partnership options.

Ready to Make a Difference?

If you are a motivated, customer‑focused professional with a passion for helping people navigate their financial journeys, brighthush invites you to bring your expertise to our remote team. Join us in redefining auto‑finance service, fostering financial empowerment, and driving measurable results—all from the comfort of your own home. Apply today and become part of a company that values innovation, integrity, and impact.