Spanish Collections Associate

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The Bread Collections Associate will assist customers who are behind on payments, helping them to become current. Contact customers professionally and respectfully to discuss payment options and create manageable repayment plans. Strong communication and negotiation skills are essential to working with customers to find solutions that benefit everyone. Youll play a vital role in maintaining accurate records and adhering to all relevant regulations.

• Professionally contact customers via phone to arrange account updates and resolve outstanding balances. Adhere to internal policies and procedures to ensure a positive customer experience and compliance with FDCPA and state regulations.
  
  - (40%)
• Demonstrate exceptional empathy and communication skills to build rapport and navigate challenging customer interactions. Collaborate with customers utilizing strong communication and analytical skills to develop realistic and manageable solutions for bringing accounts current.
  
  - (30%)
• Investigate, research, and track consumer information using skip tracing tools, adhering to data privacy regulations. Maintain thorough and accurate documentation of all customer interactions, account activity, and collection efforts. Ensure 100% data integrity in CRM system documentation for all customer interactions.
• Proactively identify opportunities to streamline collection processes and enhance team efficiency. Communicate improvement ideas and collaborate with the team to implement positive changes.

• High School Diploma or GED
• 1+ years experience in collections, call center, or sales

• If the role is listed as “Bilingual,” must be able to pass a bilingual assessment (English/Spanish).
• 2+ years experience in collections, call center, or sales

• Auto Dialer
• Call Center
• Customer Service
• Debt Collections
• First-Party Collections
• Problem Solving

Supervisor and above

0

• Call Center environment. Schedule flexibility to work 40 hours per week including days, evenings, weekends and some holidays.

To perform this job successfully, an individual must be able to perform each essential job function satisfactorily and meet the physical, mental and work environment requirements. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions, absent undue hardship.

• Communicate/Hearing
• Communicate/Talking
• Stationary Position/Seated
• Typing/Writing
• Focus and complete tasks in situations that have a speed or productivity metric
• Maintain focus in high pressure or fast-paced work environment

General Description of Bonus Structure
:
This role is eligible for monthly incentives.

Pay Range
$18.00 - $24.00

The actual base pay within this range may be dependent upon many factors...

It is noted that the role is eligible for 10%/hr premium for hours worked between 5pm-6am and all weekend hours (given specific requirements are met).

Bread Financial offers medical, prescription drug, dental, vision, and other voluntary benefits to eligible associates and their families. Details provided in benefits information material.

All associates receive 11 paid holidays. PTO, PSL+, and other leave details are described in the benefits documentation. Unused PSL+ does not carry over unless required by applicable law. Specifics vary by jurisdiction. California employees have different PTO/PSST rules.

At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture. We’ve been consistently recognized as a best place to work nationally and in many markets. Bread Financial supports the overall wellness of our associates with a diverse suite of benefits and opportunities for career development.

Bread Financial is a tech-forward financial services company providing payment, lending and saving solutions. We serve a broad range of brands and offer co-brand and private label cards, pay-over-time products, and general purpose credit and savings products.

Bread Financial marks 30 years of success in 2026. For more information, visit  or follow us on Instagram and Linked In.

• Bread Financial offers competitive pay and a comprehensive benefits package.
• The Company is an Equal Opportunity Employer and participates in E-Verify.
• Applicants with criminal histories are encouraged to apply, in a manner consistent with applicable laws.
• The Company complies with the Americans with Disabilities Act (ADA) and other applicable laws. Accommodations are available during the application process. Contact the Recruiting Team at  for accommodations.

Care Center Operations

Regular