Collections Specialist

About the job

Current Employees of Happen Bank: Please apply via your internal Workday Account

Happen Bank (formerly LendingClub) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile-first experience, and clear terms with no gotchas. Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community. Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more.

About the Role

At Happen Bank, we take pride in supporting members through challenging decisions, and we’re looking for professionals ready to build and apply strong problem-solving and persuasion skills.

This role is designed for individuals ready to take the next step, navigating nuanced financial situations that call for advanced communication, negotiations and critical thinking. You’ll manage complex, high-risk accounts, balancing firm decision-making with empathy, resilience, and adaptability.
Bring your experience — and grow it with us.

What You'll Do

• You will work in a fast paced, high-volume environment as you make outbound collections calls on an auto-dialer. About 100 -120 calls daily.
• You will navigate difficult conversations while needing to overcome objections, influence outcomes, ask clarifying questions, and negotiate payment arrangements.
• You will listen and seek to understand the member’s goals/needs and tailor specific solutions using Happen Bank tools and resources
• You can expect to contribute to defined KPIs and results by infusing a human element into our call model.
• Pay
• $18.00/hr base + monthly performance-based bonuses. Avg earnings $22-25/hr
• Schedules (subject to change):
• 10:30 AM – 7:00 PM Monday – Thursday; 9:30 AM – 6:00 PM Friday
• OR
• 6:00 AM - 3:00 PM 4 Weekdays; 7:00 AM - 4:00 PM Saturday - Saturdays are required for the early schedule.
• Start Date
• October 26, 2026

We utilize a hybrid work model, and our teams are in-office Tuesdays, Wednesdays, and Thursdays. In-person attendance is essential for this role’s success, and remote placement will not be considered.

About You

• Have 1+ year of collections and/or sales experience
• Contribute to a positive team environment by actively engaging with your peers and leaders while having a willingness to continuously improve through training and development.
• Ability to thrive in a high-stress environment while navigating emotions of others-mainly customers-in a professional and respectful manner
• High school diploma or GED equivalent required

• Virtual (Work from Home) Considerations:
• Happen Bank currently has options to work from home, but we are asking for flexibility going forward as circumstances change and we potentially determine to transition teams back to work in the office. The following are requirements to perform this role while working from home:
• Have a quiet, dedicated space (preferably with a door) where you can work uninterrupted at home. This also includes having a dedicated desk and chair for work.
• Have high speed internet with low usage during business hours (20MBPS download speed and 5-10 MBPS upload speed)
• Be able to connect directly into your modem/router (not via wifi) ethernet cord provided
• Be comfortable trouble shooting technical issues without in-person IT support
• MUST live and work within 75 miles of the Happen Bank office hiring this role.
• While working, it is expected that you are not the primary caregiver to any pets, children or elderly.

Working Conditions
Required to be on the phones, work on a computer and at a desk for extended periods of time including viewing a screen, using a mouse, manipulating a keyboard and wearing a headset. Must be able to function effectively in a dynamic fast-paced call center environment where natural and regular work stressors can occur.

• What Makes LC different:
• A great place to build your career
• We want you to learn and grow with us. On-boarding programs, on-the-job training, career-development sessions, and performance check-ins keep you on a path toward the next level. Last year, 57% of our new Operations managers were promotions from within the company.
• We celebrate individuality
• Individual perspectives and experiences make us and our business better—there is no “typical” Happen Bank employee. We encourage everyone to voice their opinions while retaining the humility to listen and accept other viewpoints. Employee resource groups—like our women’s, veterans, Latinx, and LGBTQ groups—offer more ways to feel connected and supported within our Happen Bank community.
• You are worth it
• We want every employee to feel valued. One way we do that is through our generous compensation and benefits package, which includes:
• Generous paid time off
• 401(k) match up to 4% or $5,000 per year
• Wellness program with cash incentives and more!
• Perks with purpose
• We also offer a wide range of onsite perks to help you get the most out of your day.
• Onsite gym, locker room, showers and a bike room
• Public Café in the building
• Light-filled, colorful work-spaces that encourage collaboration and innovation
• Covered parking
• Basketball courts and open field for sports activities
• Healthy snacks and drinks
• Position ineligible for visa sponsorship.
• #LI-Hybrid
• #LI-SS1
• #HBMR2

Happen Bank is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system.

We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at interviewaccommodations@happen.com.

Notice on AI Tool Use

For select roles and locations, candidate interviews may be recorded, transcribed and summarized by tools such as artificial intelligence (AI) to assist our hiring managers with the application process.

You will have the opportunity to opt out of recording, transcription, and summarization prior to any scheduled interviews. We will not discriminate against you if you choose to opt out.

During the interview, we will collect the following categories of personal information from or about you: contact information, identifiers, professional and employment-related information, sensory information (audio/video recording), and any other categories of personal information you choose to share with us. We will use this information to evaluate your application for employment.

We will only share your interview, transcription, or summary with persons whose expertise or technology is necessary to process your application, evaluate your fitness for a position, and administer or support the tool. We will not sell your personal information or disclose it to any third party for their marketing purposes. For more information about how we will handle your personal information, please refer to our Privacy Disclosure .

We will delete any recording of your interview promptly but in no event later than 30 days after making a hiring decision.