Remote Collection Agent — U.S. Accounts Company: Live Oak Financial, Inc.

Company: Live Oak Financial, Inc.
Location: Remote — Philippines
Schedule: Full-time, U.S. Eastern Time
Engagement: Independent Contractor
Industry: Accounts Receivable Management and Collections

Position Overview

Live Oak Financial, Inc. is seeking professional, disciplined, and results-oriented Collection Agents to join our remote operations team. The successful candidate will communicate with consumers regarding outstanding accounts, identify practical resolution options, process payment arrangements, and maintain accurate account documentation.

This position requires strong spoken English, sound judgment, attention to detail, and the ability to balance collection performance with respectful and compliant consumer interactions.

Key Responsibilities
Place and receive collection-related calls concerning assigned consumer accounts.
Verify the identity of consumers before discussing account information.
Clearly explain account balances and available resolution options.
Negotiate payment arrangements within established company and client guidelines.
Process authorized payments and accurately document payment commitments.
Maintain complete, timely, and factual notes following every account interaction.
Follow required call schedules, workflows, scripts, and account-handling procedures.
Identify and properly escalate disputes, complaints, cease-communication requests, bankruptcy notices, attorney representation, deceased-consumer accounts, identity-theft claims, and other sensitive matters.
Protect confidential consumer, financial, medical, and client information.
Meet established expectations for attendance, schedule adherence, call quality, compliance, productivity, and collections.
Participate in training, coaching, quality-assurance reviews, and performance meetings.
Complete other account-servicing duties reasonably assigned by management.
Required Qualifications
At least one year of experience in collections, accounts receivable, customer service, call-center operations, or a comparable telephone-based role.
Excellent spoken and written English.
Clear, professional, and easily understood telephone communication.
Strong negotiation, active-listening, problem-solving, and objection-handling abilities.
Ability to remain composed and professional during difficult conversations.
Strong attention to detail and accurate account documentation.
Ability to follow scripts, policies, client requirements, and compliance procedures.
Reliable attendance and availability during assigned U.S. Eastern Time hours.
Ability to work independently in a structured, performance-driven remote environment.
Comfortable using web-based collection systems, dialers, email, Microsoft 365, and related business applications.
Preferred Qualifications
Previous experience collecting U.S. consumer, healthcare, utility, government, or commercial accounts.
Familiarity with the Fair Debt Collection Practices Act, Regulation F, HIPAA, and other applicable privacy and collection requirements.
Experience using collection-management software, automated dialers, payment portals, or customer relationship management systems.
Prior experience working remotely for a U.S.-based company.
Experience handling inbound and outbound consumer calls.
Technology and Workspace Requirements

Candidates must have:

A dependable computer capable of operating required business applications.
A stable, high-speed wired internet connection.
A reliable backup internet connection.
A professional USB noise-canceling headset.
A private, quiet, and secure workspace.
Reliable electrical service and an appropriate backup-power solution.
The ability to comply with company security, privacy, device-management, and access-control requirements.
Performance Expectations

Performance will be evaluated using a balanced scorecard that may include:

Collections and payment commitments
Kept-payment and arrangement performance
Call quality and professionalism
Documentation accuracy
Compliance with company and regulatory requirements
Attendance and schedule adherence
Productivity and account penetration
Complaint, dispute, and escalation handling

Collection results never justify misrepresentation, harassment, unauthorized disclosure, improper payment processing, or deviation from company policy.

Application Requirements

Applicants should submit:

A current résumé
A brief summary of relevant collections or call-center experience
A short voice recording introducing themselves and describing their experience
Computer specifications
Primary and backup internet speeds
Expected monthly compensation in U.S. dollars
Availability to work U.S. Eastern Time

Shortlisted applicants may be asked to complete an English assessment, mock collection call, documentation exercise, internet and equipment verification, reference check, and background screening.

Live Oak Financial, Inc. maintains a professional workplace and considers qualified candidates based on their experience, capabilities, performance, and ability to satisfy the position’s requirements.