administrative assistant

sales representative

Aqua-Finance

A typical day would be sitting on an automated dialer system attempting to collect on past due accounts.  You must stay active on the system non stop every moment you are at your desk or you will be chastised and chances of getting a bonus will be slim to none.  Your “lead” be monitoring your every movement including listening to calls live, messaging you constantly about productivity or what you are doing, and you can expect several different group chats to be going off at all times.
On average you will make about 200 calls and speak with 10-15 people and attempt to collect payment and/or payment info from them.

The culture is painstakingly awkward and toxic.  Managers/lead are watching your every move and statistic in the dialing system.  There is a daily meeting where the President of Collections may or may not be present and offers to answer questions but depending on her mood may answer, or may give you a dirty look and scold you or make you feel like a child for asking such a dumb questions.  Suggestions are almost alway shot down and it’s basically “if you dont like the way we do things, you can seek other employment.”
Hardest part of the job is the almost impossible task of collecting on a high risk borderline predatory loan that they offer to their consumers.  The next hardest part is the invasion of your privacy and constant micromanagement visa the internal messenger and call critiques.  You may think you are doing a good job but they will be sure to point out any negative aspects of your performance.  It’s very difficult to get through a shift without some type of negative contact with a manager/lead or extremely escalated customer on the phone.

The most enjoyable part of the job is some of the nice coworkers, but many are so sick of working there they just keep to themselves and punch the clock.  

AQUA FINANCE-
Position :Collection Agent-
Customer Service Representative/bilingual

-A typical day at work-Star at the shif -look at (FDCPA and ACA) regulations see my portafolio,Take outbound hight volumen calls to oustanding balance.I also prepare all my own contracts or necesary paperwork for legal department.Im Another aspect of my position includes searching for customers via WEB,neightbors,creditors reports.The management was supported and encouraged to us to obtain goals .Co-workers always serve and tutored a team job.The hardes part of the job, in my position required to deal with extremely dificult and upset customers.,but i was trained to efficiently create a solution for bad situations for both,the customers and the company.
The most Enjoyable part of the job.Mainained ,excellent customer service,Diplomatically problem solving customer complains on as-need basics.And Consistently met goals,
My qualifications:Complete the Collections for creditors (ACA)
Complete the FDCPA regulations Ability to follow instructions well and make decisions with not supervision-Effectively developed telehone comunications skills .
Have a minimum of 3 years experience in Collections and Customer
Service.

Administrative assistants do a lot of repetitive, tedious, monotonous work. But they let you listen to music/podcasts at your desk (with headphones), as long as you're still able to be productive and your phone stays in your desk drawer. Pay is decent, analysts get a chance at some pretty nice monthly bonuses. Admin gets a bit, based on how well analysts did that month. You earn a little over 3 hours (I want to say 3.44?) of Paid Time Off every pay period, starting right away, which is really nice. The support and friendliness from coworkers was the best part of working there though, and management is typically pretty approachable and understanding... Strict with attendance policies though. No grace period or buffer, same hit to your "occurrences"  if you clock in 1 minute late or 30 minutes late. Overall it's not a bad company to work for. 

The only good thing about this job was that, towards the end of my time there was working from home. But this company will make you hate your job so much that you will end up hating working from home as well. 

1. HR is terrible to work with because they take way too long to respond to you, if you even get a reply.
2. They would rather hire offshore people, who do not know what they are doing, because they were not trained correctly. 
3. Management micro-manages you and controls what you are doing, with constant changes happening. 
4. Either denies PTO or ridicules you when you do take time off, especially medical leave. They promise about work-life balance, but then do not act upon it.

I could go on and on about how horrible this company is and the people who run it. They do not genuinely care about their employees, but act as if they do by trying to gaslight every person there. 

If you like the ability to work under little or no supervision this is a great position BUT expect to learn on your own. Only 2 wks of training and then your on your own! Sink or swim. This company is a young population of workers hence the high turnover.  And of course they all know it all attitude.   You may come across a few leads willing to assist but other leads do their bare minimum of their own job let alone there to answer your questions.  Flexibility of schedule is great and benefits are pretty decent also.  I don't feel valued nor am treated with respect to the fact of my previous work experience; this isn't my first rodeo and I don't like being talked down to. If your gone, its like "oh well, we'll find another one".  

A typical work day at Aqua was answering an overflow of phone calls, calling people on your list and trying to set up payment arrangements or taking a payment over the phone. It was busy at times, but yet it was fun. The management was great to work with, if you had a question about what you were doing they would take a moment of their time to explain it to you. My co-workers were the best, always ready to help you out. I have learned how to handle customers on the phone who were pleasant at times. The hardest part of the job was calling neighbors and friends. The part that I really liked was you can get the customers to understand that we were not calling to badger them for payment but was willing to help them set up a payment plan that would work for them.

I have learned to be more considerate of others when collecting money they owe the company. As we do not know all what others are going thru and how hard it is to find work now.The hardest part of the job for me was to call their neighbors and or relatives. The most enjoyable part of the job is when I could work out a payment plan with them so that they could make their monthly payments and not have us call them all the time. I make some very good friends working there and I still keep in touch with some, I got help from them on to get people to pay. The management was great, a fun bunch of people.The typical day was answering the phones and putting notes on the accounts, calling people to see if we could work out a payment plan, trying to get people to understand that we are trying to help them

When Aqua was under their previous leadership and ownership (2018-2022) it was a wonderful place to work. Executives and VP's had been there for 15+ years.  After Apollo bought them in 2022 the new owners replaced every single executive and most VP's with people from out of state who didn't know the company, our dealers, the staff or the job we do. The environment turned from a "Small town company" with Midwest values to a corporate nightmare. I was in the Credit department, we lost 20 employees in 2023, half our department and didn't replace a single one, but then got mandatory OT and were told we weren't doing enough. It's a shame because there are a lot of good people that still work there, but leadership is going to drive away all the good workers. 

Aqua Finance is a creative company focused on the singular mission of helping people get extend their financial reach. This makes the work very rewarding as you know that you are trying to solve problems that will impact someone else's life significantly. 

Given the broad nature of the company and the many teams working within AFI, you can spend a lot of time trying to track down information related to what other teams are doing.

Management at AFI is very open to new ideas and is constantly experimenting with ways to improve the overall experience for our dealers, customers and employees. This can be good and bad; you need to be ready for new products to roll out on a regular basis, but there is also the opportunity to have your ideas become the next new experiment at AFI.

I worked for Aqua Finance for a little over 3 years. I started out as a Credit Assistant. I was able to advance up 2 positions in my time there. 
Overall, the work itself allowed me to advance and grow my experience in loan processing. Unless you are looking to move up to a management position aka glorified baby sitter, this company is not a place to have a career. There is no understanding for people with children or families. Your advancement opportunities are taken away if you don’t live, breathe and bleed the company. If you are not in a managers pocket or kissing everyone’s butt then you are not going anywhere. Your work and effort has no reflection on your advancement. Managers have to like you. Steer clear of you are looking for something stable.

Top Job Titles	Average Salary
Administrative assistant 4 salaries reported	$13.75 per hour
Sales representative 1 salary reported	$2,500 per week

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