Join our team - and take the next step in achieving a fulfilling career!

What We Do

At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.

Who We Are

CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans.  We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.

Merrick Bank is an FDIC-insured Utah Industrial Loan Bank.  Merrick operates three main business lines:  credit cards, recreational lending, and merchant services.

Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.

*This position is fully remote in the state of Pennsylvania

An Associate in Recoveries is responsible for contacting (outbound calls), account holders with bad debt in an attempt to collect payments and settle accounts on behalf of our clients. This role has the ability to initiate account settlements in which are pre-approved by a supervisor.

Essential Functions:

• Makes outbound calls to account holders in an attempt to collect debt owed to our clients. Some inbound calls occur where applicable.
• Collects charged off accounts through extensive telephone and mail contact
• Reviews, and analyzes each customer’s financial situation and offers best alternative solutions to resolve debt
• Recommends and initiates actions including skip tracing, legal action and agency assignments
• Frequently interacts with internal and external customers (NY, Utah, attorneys, consumer credit counseling, and credit bureaus)
• Attains recovery goals set my management
• Adheres to all guidelines of the Fair Debt Collections Practices Act (FDCPA)Performs other duties as assigned

Education and Experience:

• High School Diploma or equivalent education is required
• Experience with debt collection and/or working in a contact center environment (either inbound or outbound calling) is highly desired 
• Customer service experience is required
• Experience with First Data Resources (FDR), Evolve or related platforms preferred

Summary of Qualifications:

• Keyboarding proficiency
• Familiarity with Windows based computer applications
• Effectively and efficiently communicate both through verbal and written channels in a way that others are able to understand the information in a manner consistent with the essential job functions
• Skilled in negotiating, including the ability to persuade and modify opinions to reach goals
• Ability to work under pressure; flexibility and willingness to work at a rapid pace
• Ability to compose simple correspondence
• Ability to multi-task is essential
• Dependable and reliable

Work Environment/Physical Demands:

• Work is in an office environment, sustained posture in a seated position for prolonged periods of time; works with computer equipment for prolonged periods of time
• Some stress may occur
• Travel is generally not required
• This position reports to an assigned Team Leader and supervises no one
• Understanding and accepting change in an evolving industry

Our Employee Value Proposition

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program 
• Benefits Package -Medical, Dental, and Vision (plus much more) 
• 401(k) Plan with Company Match 
• Short- & Long-Term Disability 
• Wellness Programs 
• Group Life and AD&D Insurance 
• Paid Vacation, Sick Days and bank Holidays 
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite.  Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.

We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic.  We will conduct a thorough background check for all hires in compliance with applicable.