Can You Separate the Truth from the Excuse?
Every missed payment has a reason. Your job is to uncover the truth, separate fact from fiction, and drive the account towards resolution.
Some are genuine.
Some aren't.
Your job is knowing the difference.
At Together Loans, we're looking for people who don't simply accept the first answer they're given.
People who ask another question.
Then another.
Until they understand exactly what happened, why it happened, and how the customer is going to put it right.
This isn't a role for someone who avoids difficult conversations.
It's for someone who enjoys them.
Someone who can challenge professionally, negotiate confidently, uncover the facts, and hold customers accountable while treating every person fairly and with respect.
If you enjoy solving problems, influencing people, and getting results that others can't, you'll thrive here.
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WHO WE ARE
At Together Loans, we're changing the way lending works in America.
While traditional lenders often judge people by their past, we believe financial opportunities should be built on trust, responsibility, and second chances.
Our unique co-signer lending model gives more people access to affordable credit through a simple, transparent lending process that promotes responsible borrowing and shared financial accountability.
We're growing rapidly across the United States, and we're building a team of exceptional people who believe in doing the right thing while delivering exceptional commercial results.
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WHAT SUCCESS LOOKS LIKE
This isn't about making hundreds of outbound calls. It's about managing cases and achieving results.
It's about recovering payments.
Every account has a reason for being in arrears. Your job is to uncover that reason, not assume it.
Your responsibility is to uncover it. Most of that investigation happens through emails and SMS. Knowing when to keep the conversation in writing and when to pick up the phone is a key part of succeeding in this role.
You'll never make promises you can't keep.
You'll never threaten something that's not going to happen.
You'll never mislead.
But you also won't walk away from an account simply because a customer says, "I can't pay."
You'll investigate. You'll challenge. You'll negotiate. You'll recover.
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YOUR RESPONSIBILITIES
- Take ownership of your caseload from the first missed payment through to resolution.
- Recover outstanding payments while maintaining full compliance.
- Investigate every missed payment before deciding the next course of action.
- Ask probing questions to understand what happened, when it happened, why it happened, and what happens next.
- Respond confidently to customer emails and SMS, using strong written communication to move every case closer to resolution.
- Review account history, previous interactions, and available information before deciding the best course of action.
- Hold customers accountable for the commitments they made.
- Challenge inconsistencies professionally while maintaining the moral high ground.
- Negotiate payment arrangements that protect both the customer and the business.
- Identify opportunities to prevent future arrears and reduce the risk of repeat delinquency.
- Keep accurate account notes that clearly justify every decision.
- Achieve ambitious collection and quality targets every month.
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WHO SUCCEEDS HERE?
Our highest performers usually have these qualities:
✔ Competitive.
✔ Naturally curious.
✔ Investigative.
✔ Excellent negotiators.
✔ Able to think critically and make sound decisions based on facts, not assumptions.
✔ Excellent written communicators who know how to influence people through email and SMS.
✔ Calm under pressure.
✔ Persistent without becoming aggressive.
✔ Confident asking difficult questions.
✔ Strong commercial awareness.
✔ Motivated by targets, performance, and bonuses.
✔ Determined to get results while always acting fairly and professionally.
Experience in collections, recoveries, lending, banking, credit control, retention, or another performance-driven environment is highly desirable.
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WHY JOIN TOGETHER LOANS?
- $20.00 per hour (W-2).
- Monthly performance bonus with the opportunity to earn up to 100% of your monthly salary.
- Fully remote.
- Paid training.
- 15 days paid leave per year, Annual leave increases by 1 additional day for each full completed year of employment, capped at 5 years of service (equivalent to an additional 5 days).
- Birthday Paid: Employee is entitled to their birthday as a paid day off.
- Fitness Allowance will qualify for a monthly $100 fitness allowance.
- Career progression.
- Join one of America's fastest-growing fintech lenders.
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THIS ROLE ISN'T FOR EVERYONE.
If you dislike difficult conversations...
If you're uncomfortable asking challenging questions...
If you accept the first explanation without digging deeper...
Or if you're happier processing requests than influencing outcomes...
This probably isn't the right role.
But if you're someone who enjoys uncovering the truth, asking better questions than everyone else, influencing people, holding customers accountable, and consistently delivering results while always acting fairly and professionally...
We'd like to hear from you
Pay: $20.00 per hour
Expected hours: 40 per week
Benefits:
- Opportunities for advancement
- Paid time off
- Paid training
- Work from home
Application Question(s):
- Can you provide your own equipment (Computer, Laptop, Camera, headphone)
- Can you type over 50 words per minute with 95% accuracy (verified by TypingTest.com)
- Can you work 11:45pm - 8pm CST and every other Saturday 8am - 1pm CST
Work Location: Remote
