Representative, Collections (L04)

Role Title: Representative, Collections (L04) Company Overview: Synchrony (NYSE: SYF) is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nations most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers. Committed to excellence in service and culture, Synchrony is proud to be named as #3 as a Great Place to Work in India and is honored to be ranked the #1 Best Company to Work For in the U.S. by Fortune magazine and Great Place to Work. For more information, visit www.synchrony.com. Organizational overview: Collections Operations teams handles delinquent accounts of Synchrony customers through both Inbound & Outbound calls & is divided into Subgroups of Skip, eChat & 360. The 360 & Skip groups service delinquent accounts via calls & the echat group services only Inbound chats of delinquent accounts. As a Collections 360 representative you will be responsible is to assist Synchrony Bank customers via the calls (Inbound & Outbound) and negotiate payment arrangements to Collect on past due accounts. Role Summary/Purpose: A PreCharge Off Collector manages outbound and inbound calls to engage customers with delinquent accounts, understand the reason for nonpayment, and negotiate appropriate repayment solutions. The role focuses on resolving pastdue balances before chargeoff by setting up payment arrangements, documenting interactions accurately, and following all regulatory, compliance, and customer experience guidelines. Key Responsibilities: Determine the reason for delinquency and negotiate payment arrangements by effectively listening and communicating with past due borrowersAssist customers with various methods of paymentMaintain compliance to Collections Standards and Collections Operating Procedure.Determine when account maintenance is warranted and make appropriate entries and account documentationUtilize FDR on-line system and workstation application to perform daily functionsWork manual queue collections as necessaryAdhere to established standards for productivity and qualityAdhere to established Compliance guidelines, including completion of all required Compliance training successfully and on-timeAdhere to company policiesOvertime hours as neededPerform other related Collection duties and responsibilities that may be assigned. Required skills & Knowledge QualificationUndergraduates/GraduatesExperience: Fresher or upto 5 years' experienceExcellent English Communications SkillsPassion for Collections through Customer servicePrior Collections/Customer Service experience is good to haveUnyielding IntegrityAbility to work in a challenging environmentFlexibility to work in US shifts (Willing to work in 24/7 work environment)Flexibility to work during Indian and US holidays.Knowledge of basic computer skills Desired skills & Knowledge Superior time management skills and ability to meet standards (productivity and quality) in high demand environmentDemonstrated superior customer service skills and commitment to quality excellenceStrong organizational skills and ability to manage multiple tasksAbsolute professional integrityOutstanding verbal and written communication skillsDemonstrated ability to effectively negotiate and manage through conflictExcellent interpersonal skillsDemonstrated ability to receive constructive feedbackCollections experience preferred, previous call center experience preferredStrong PC skills: Microsoft office suite Eligibility Criteria: QualificationUndergraduates/GraduatesExperience: Fresher or upto 5 years' experience Work Timings: Rotational night shifts Grade/Level: 04 Job Family Group: Collections .