Collections Agent (Bilingual in Spanish and English)

Kafene is revolutionizing the lease-to-own space. We're the point-of-sale powerhouse making flexible lease-to-own accessible to everyone—prime and non-prime customers alike. Our secret weapon? Cutting-edge AI and machine learning that analyzes 20,000+ data inputs in real-time, empowering retailers across furniture, appliances, electronics, tires, and durable goods to say "yes" to more customers. The numbers tell our story: over $500 million in originations and counting. But we're just getting started. Our 175-person team spans NYC headquarters, Wilmington, and remote talent across the globe—all united by a culture that thrives on collaboration, innovation, and genuine support. We don't just talk about great workplace culture; we deliver it. That's why Built In named us a Startup to Watch and Forbes recognized us as one of the Best Startup Employers . Ready to be part of the fintech revolution? Join us. We are seeking a Collections Agent to join our growing Collections team. Our outstanding Collections team helps our customers meet their payment schedules and resolve past-due amounts while maintaining Kafene’s high standards for customer service and satisfaction. In this role, you will join our talented team members with strong Collections expertise and play an important role in building Kafene’s growth. You should have experience with debt collection and knowledge of the Fair Debt Collection Practices Act (FDCPA). The right candidate for this role will be able to balance our focus on helping our customers, as well as achieving broader business results. Key Responsibilities: Demonstrate strong self-motivation and passion for learning various new payment solutions, and utilize advanced probing negotiation, and skills to understand customer situations and resolve delinquency. Learn about new business concepts and new collection techniques or payment programs in a fast-paced environment to drive continuous business improvement. Treat customers with respect and demonstrate sensitivity and compassion in difficult situations. Lead conversations to choose among alternative courses of action to resolve delinquency issues and bring accounts back on track. Show great sense of ownership, timeline and receptiveness to development feedback while following established procedures, policies, and planned schedule to drive the best results. Demonstrate personal excellence including punctuality, integrity, and accountability. Demonstrate a strong focus on key performance indicators (KPIs) to drive collection efficiency and achieve monthly targets. Navigate multiple call center platforms while staying engaged with our customers on the phone, and handle the cases accurately. Use strong attention to detail and a strong drive to follow up on unsolved cases. Ensure compliance with applicable laws, rules, and regulations. Adhere to internal policies by applying sound ethical judgment regarding personal behavior, conduct and business practices, while escalating, managing and reporting control issues with transparency. Qualifications: High School diploma/GED required. Must be willing to work in an environment that requires 100% phone-based customer interaction. Minimum of one year of collection or customer service experience required, either by phone or in-person. Proficiency with basic computer functions, including mouse and keyboard usage, launching applications, conducting searches on the Internet, and maneuvering in a Windows-based environment, is strongly preferred. Internet access from home is required. Ability to speak in Spanish, English, and Portuguese when discussing payment options with customers, Compensation & Benefits: Compensation: $1000-$1500/month based on experience Healthcare Stipend: We prioritize your well-being by covering medical, dental, and vision insurance costs. Paid Time Off: We value work-life balance, which is why we offer flexible paid time off starting from your first day of employment. We're building a team as diverse as the customers we serve. Kafene is proud to be an equal-opportunity employer, and we mean it. We welcome qualified applicants of every race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, veteran status, and all other legally protected characteristics. Need accommodation during the application process? We've got you. If you're applying for a U.S. position and require reasonable accommodation at any stage, reach out to [email protected] with details about your request and contact information. We're here to help make the process work for you. Note: This email address is specifically for accommodation requests and will only respond to those inquiries.