NetCredit Collections Representative (Remote)

The job

LIVE Live feed (private-sector employer) Source: The Muse public API · Data: listed 2026-10-09

Job description

We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas or take over sponsorship at this time.#BI-Remote  #LI-Remote

This role is fully remote but requires candidates to live in IL, IN, IA, MO, TX, UT, WI, or WY.

About the role:

As a Collections Representative, your core responsibility will be to proactively contact customers with overdue accounts, understand their financial challenges, and collaboratively identify solutions to help them maintain consistent loan payments. This position requires comfort and expertise in navigating and resolving difficult customer situations with professionalism and empathy.

Responsibilities:

• Manage high volume inbound and outbound calls efficiently to address customers with delinquent loan payments.
• Negotiate and execute effective payment arrangements, strictly following Enova's specific call flow to bring overdue accounts current.
• Resolve customer concerns and complex issues related to late payments, maintaining a high level of professionalism and empathy.
• Communicate clearly and effectively with customers, explaining the implications of overdue payments and offering assistance for financial resolution.
• Ensure all customer interactions, payment plans, and relevant information are accurately recorded and maintained in Enova's database.

Requirements:

• A minimum of 1 year of experience in a high volume debt collections environment, successfully managing both inbound and outbound calls and consistently meeting daily call volume targets.
• Exceptional conflict resolution and communication skills, including proven proficiency in active listening and the application of de-escalation techniques during challenging calls.
• Strong negotiation abilities, capable of balancing adherence to company policy with genuine customer empathy to secure successful payment arrangements or settlements.
• Demonstrated high level of self-management for remote work, including superior time management, strict schedule adherence, and the ability to maintain focus, attention to detail, and perform multiple tasks simultaneously.
• Proven ability to think quickly and logically to creatively problem solve and resolve difficult issues effectively under pressure.

Compensation:

The budgeted hourly rate for this position is $18.00. Additional compensation for this role may include bonus. All full-time employees are eligible to participate in Company benefits, described in more detail here.

Benefits & Perks:

• Our hybrid roles require in-office work Tuesday through Thursday, with remote flexibility on Mondays and Fridays. This schedule fosters collaboration, team connection, and strategic planning, enhancing communication and effectiveness to drive results.
• Health, dental, and vision insurance including mental health benefits
• 401(k) matching plus a roth option (U.S. Based employees only)
• PTO & paid holidays off
• Sabbatical program (for eligible roles)
• Summer hours (for eligible roles)
• Paid parental leave
• DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
• Employee recognition and rewards program
• Charitable matching and a paid volunteer day…Plus so much more!

About Enova

Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossus™platform. We serve non-prime consumers and businesses alike, while offering world-class technology and services to traditional banks—in order to create accessible credit for millions. 

Being a values-driven organization is at the core of Enova’s success. We live our values by listening to our customers, challenging assumptions, thinking big, setting high expectations, and hiring and developing the best. Through our values and our commitment to making Enova an awesome place to work, we maintain an environment of inclusion and culture where our employees can thrive. You can learn more about Enova’s values and culture here. 

It is our policy to provide equal employment opportunity for all persons and not discriminate in employment decisions by placing the most qualified person in each job, without regard to any other classification protected by federal, state, or local law. California Applicants: Click here to review our California Privacy Policy for Job Applicants.

Explore around this job

Field: Finance and Insurance Sub-niche: Treasury, payments and risk All jobs at Enova Jobs in Illinois Jobs in Chicago, IL Chicago city guide Illinois state guide Cook County economy

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About the role

This is a Mid Level role in the Finance and Insurance field (Treasury, payments and risk) at Enova. Mid-level roles usually expect some years of relevant experience and the ability to work with limited supervision.

We could not match this job title to one occupation in the official wage statistics, so no pay estimate is shown. Pay is not in the source listing; ask the employer for the range and compare in the 240 job niches.

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How to prepare and behave

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• Read the whole description and match your examples to its requirements; use the same words the posting uses where they are true for you.
• Research the employer before the interview: what it does, who its customers are and recent news; prepare two or three questions about the work.
• Arrive early (or log in early for a video call), dress one step above the daily dress code, and test your camera and audio beforehand.
• Answer with short stories: the situation, what you did and the result. Give numbers when you have them and never invent them.
• Be honest about gaps; say what you did to learn and how fast you can close them.
• Ask about the team, the first 90 days, how success is measured and the schedule; do not open with salary and time off.
• When pay comes up, know the market range for the occupation and your lowest acceptable offer before you answer; ask for the full package in writing.
• Send a short thank-you message within a day, mentioning one thing you discussed.
• The listing mentions a remote or flexible location. Confirm with the employer whether remote work applies to your state: taxes, licensing and benefits can depend on where you live.

Know your rights as a candidate and an employee:

• U.S. Equal Employment Opportunity Commission: prohibited employment practices
• U.S. Department of Labor: Wage and Hour Division
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The city

The job is in Chicago, IL. Below is what the official statistics say about living and working there.

How Chicago compares. Among the 100 largest places in Illinois, Chicago is #1 by population, #96 for homeownership (#1 = highest), #87 for long commutes (#1 = fewest), #22 for remote work (#1 = most). Its county, Cook County, is #2 of 102 counties for average pay ($86,931).

The place in numbers

Chicago has 2,711,226 residents (ACS 2020–2024), about 21.4% of the population of Illinois. It covers 228 square miles of land, which works out to roughly 11,904 people per square mile. The median age is 35.8, 8% younger than the state median (35.8 against 39.0).

Housing

The median gross rent is $1,440 a month (rent plus utilities), 13% above the state median ($1,440 against $1,274). Over a year that is 22.2% of the median household income. US housing guidance treats housing as affordable when it takes 30% of income or less, so the typical household is under that line. The median home value is $334,100, which is 4.3 times the median household income ($77,902). 46.0% of households own their home, 31% below the state average (46.0% against 67.1%). A low ownership share points to a rental-heavy market with more apartments and shorter stays.

Work and pay

The Chicago-Naperville-Elgin, IL-IN metropolitan area has 4,513,280 jobs in the BLS wage survey, and the median pay across all occupations is $54,720 a year, 7% above the national median ($54,720 against $50,980). The biggest occupation groups are office and administrative support (488,940 jobs, median $48,840); transportation and material moving (484,580 jobs, median $45,920); management (404,010 jobs, median $131,890). The area is most specialised in management (1.2 times) and transportation and material moving (1.2 times), where the share of workers is above the national share. The best-paying groups with at least 5,000 jobs are management ($131,890) and legal ($112,440). In 2026M09 the unemployment rate of Cook County was 4.7%. 67.5% of residents aged 16 and over are in the labour force. The city lies in Cook County; its jobs, pay by industry and GDP are on the county page.

Getting around

Among workers, 44.8% drive alone, 17.7% use public transit, 5.8% walk, 21.0% work from home. 27.5% of workers commute 45 minutes or more, 39% above the state average (27.5% against 19.7%). Remote work is more common than in the state as a whole, which widens the set of employers a resident can work for without moving.

People and education

44.3% of adults aged 25 and over hold a bachelor's degree or higher, 17% above the state share (44.3% against 37.9%). 20.9% of residents were born outside the United States, 42% above the state share (20.9% against 14.8%). The poverty rate is 16.8%, 43% above the state rate (16.8% against 11.8%).

Climate

The warmest month is Aug, averaging 73°F (22.6°C), and the coolest is Jan at 28°F (-2.5°C). About 981 mm (39 inches) of precipitation falls in a year; May is the wettest month (117 mm) and Jan the driest (48 mm). These values come from NASA satellite-based climatology on a grid of about 50 km, so they describe the wider area, not a weather station in the city.

Nearby cities to compare

Closest cities in this guide: Cicero (4 miles, rent 20% lower); Berwyn (5 miles, rent 16% lower); Oak Park (6 miles, rent 11% higher); Burbank (8 miles, rent 12% lower). Rent differences are against Chicago; use the Compare tab to put any two cities side by side.

Full guide to Chicago →Illinois guideAll jobs in Chicago

Official links for Chicago

• Census Bureau data profile for Chicago
• Official state website: illinois.gov
• BLS Economy at a Glance: Illinois

These links go to official sources and open in a new window. The first one is the government's or company's own site as listed in Wikidata (property "official website"); check it before relying on it.

Where to live

CITY Official statistics Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year (via Census Reporter) · Data: ACS 2020–2024

Places within 50 miles (straight line) of Chicago, IL that have a guide, with what living there costs. No pay estimate is shown because the title did not match one occupation.

Career paths

We could not match this title to one occupation, so here are the other sub-niches in Finance and Insurance, where your skills may carry over:

Banking and wealth advisory (1465) Insurance and claims (428) Accounting, audit and tax (413)

Distances

CITY Calculation (straight line) Source: U.S. Census Bureau Gazetteer (coordinates) · Data: 2024

How far Chicago, IL is from the 20 largest US cities, in straight-line miles (not driving distance). Click a column to sort.

Nearby cities with open jobs (within 120 miles)

The employer

Enova is the employer in this listing. See all its open jobs here →

We do not hold headcount or revenue for this employer. Check its careers site and, if it is listed on a stock exchange, its public filings (SEC EDGAR search).

What it is like to work at a company (culture, schedules, benefits) is not in the source data, so we do not describe it. Read the description and ask the questions under "How to prepare".

Other open jobs at Enova

Similar jobs

Same sub-niche: Treasury, payments and risk

More jobs in Chicago, IL

All Treasury, payments and risk jobs → · All Finance and Insurance sub-niches →

FAQ

What is the NetCredit Collections Representative (Remote) job at Enova?

A mid level role in finance and insurance (treasury, payments and risk) listed 31 days ago. The full description is on this page and on The Muse.

Where is this job?

Chicago, IL. A remote or flexible location is listed; confirm with the employer which states are accepted.

How do I apply?

Use the "View this job and apply on The Muse" button. AtiveSite does not receive applications.

How much does it pay?

The listing does not publish pay, and we could not match the title to one official occupation.

What is the cost of living there?

Median rent in Chicago is $1,440 a month and median household income $77,902 (ACS 2020–2024).

How old is this listing?

It was posted on 2026-10-09 (31 days ago). Jobs older than 90 days are not shown.

Are there similar jobs?

Yes: browse treasury, payments and risk jobs in Illinois.

Sources and terms

• Job data: The Muse public API (listing dated 2026-10-09). The job disappears from this site when it disappears from the source.
• Wages and projections: BLS OEWS (May 2025) and Employment Projections 2025–35.
• City and county figures: Census Bureau ACS 2020–2024, BEA, BLS QCEW and LAUS, NASA POWER climatology; distances from Census Gazetteer coordinates.

AtiveSite is not affiliated with or endorsed by The Muse, the employer or any government agency, and does not process applications. Verify every detail with the employer before acting.

Sources

• BLS OEWS (wages and employment by occupation, May 2025)
• BLS Employment Projections 2025–35
• BLS Local Area Unemployment Statistics
• BLS JOLTS
• BLS State and Metro Area Employment
• Census Bureau American Community Survey (via Census Reporter)
• BEA GDP by state and Regional Price Parities
• IRS 2026 tax adjustments
• U.S. Department of Labor, minimum wage by state
• Tax Foundation state income tax rates 2026
• USAJOBS
• USCIS
• U.S. Department of State, visas
• NASA POWER climatology
• GeoNames / Census Gazetteer (coordinates)