Home Based Sr Specialist Collections; flex

Apply today! Hourly rate is $18.00/hour. This role is a home based position and requires residency and maintaining residency in (Minnesota, CST, Wisconsin, CST, Texas, CST, South Dakota, CST or Arizona, MST) if offered the role.

Working at Target means helping all families discover the joy of everyday life. We bring that vision to life through our values and culture. Learn more about Target here.

Target Enterprise Services (TES) organization is close to the action when it comes to communication—whether with guests or Target team members. From guest service professionals and product designers, to vendor managers and financial and workforce management analysts, TES comprises several key and high-visibility areas that elevate and nurture Target’s distinctive reputation. We cultivate loyalty and satisfaction through exceptional service and support.

And we foster a culture of responsive, knowledgeable and committed service—from the inside out—through enterprise services our people can count on.

As a Home Based Sr. Specialist in Collections
, you’ll interact with delinquent guests and negotiate payments arrangements for both inbound and outbound collections. You’ll provide a Target brand interaction with credit account holders by treating them with respect and appreciation, displaying courtesy and friendliness, recognizing various account holder segments and providing appropriate workable solutions. In order to successfully do this you be responsible for clearly understanding and abiding by all credit policies and procedures, account payment terms, billing/collections systems and various state and federal laws, rules and regulations governing credit and collections.

You’ll demonstrate problem solving skills by probing or making suggestions for the handling of exceptional account situations (e.g bankruptcy, CCC, deceased, legal, fraud, billing disputes, etc.). You’ll work in a multi-media environment (emails, phone calls, chat messages, and letters) that’s challenging and fast paced, requiring you to prioritize work accordingly.

Core responsibilities of this job are described within this job description. Job duties may change at any time due to business needs.

3/9/2026

6 weeks of virtual training (3 weeks of virtual classroom training and 3 weeks transition zone where your participation and attendance will be monitored). Training hours are Monday-Friday from 8am-4:30pm CT/Monday - Friday 6am
-2:30pm AZ

This means that your schedule can vary between the minimum of working 32 hours per week to the maximum of 40 hours per week. You will know your schedule up to 3 weeks in advance. When you work your Saturday, you will be given a variable day off that week to accommodate. The hours in which your schedule may range are:

• March through November - scheduled within these hours
  • Mon–Thu: 12:30 PM–9:00 PM CT / 10:30 AM–7:00 PM AZ
  • Fri: 8:30 AM–5:00 PM CT / 6:30 AM–3:00 PM AZ
  • Sat: 7:00 AM–3:30 PM CT / 5:00 AM–1:30 PM AZ (every 3rd Saturday)
• November through March- scheduled within these hours
  • Mon–Thu: 12:30 PM–9:00 PM CT / 11:30 AM–8:00 PM AZ
  • Fri: 8:30 AM–5:00 PM CT / 7:30 AM–4:00 PM AZ
  • Sat: 7:00 AM–3:30 PM CT / 6:00 AM–2:30 PM AZ (every 3rd Saturday)

• Reside within the states of:
  • Arizona (Mountain Standard Time Zone)
  • Minnesota (Central Time Zone)
  • South Dakota (Central Time Zone)
  • Texas (Central Time Zone)
  • Wisconsin (Central Time Zone)
• High School Diploma or GED
• Ability to work a flexible schedule including nights, weekends and holidays
• 1-2 years of previous guest experience or customer service experience
• Ability to interact with guests, team members and internal business partners with a professional, friendly, empathetic style, and deescalate as needed
• Excellent verbal and written communication skills, including listening, negotiating and decision making skills. Experience dealing with escalated guest complaints
• Ability to use various information sources to answer questions, identify problems and appropriately resolve guest issues
• Strong technical skills, ability to work within multiple systems, and high proficiency with PC/Microsoft applications
• Access to a Home…