Join our team - and take the next step in achieving a fulfilling career!
What We Do
At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.
Who We Are
CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC.
CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.
Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services.
Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.
This position offers 100% remote work, however it is only open to candidates located and authorized to work in the state of Pennsylvania, as required by licensing regulations.
What will you do as a Recoveries Engagement Associate for Carson Smithfield?
You will contact holders of charged off accounts to obtain payments while providing information and counseling about obligations and benefits of repaying outstanding debts. You will use your customer service, communication, and influencing skills to analyze each card holder’s financial situation and offer payment options for debt resolution. These include payment in full, monthly payments, and settlement options. This is an opportunity to proactively locate customers via skip tracing, legal action, and agency assignments. You’ll work directly with internal and external customers, CCCs and Credit Bureaus.
What you will need to be successful at Carson Smithfield:
Carson Smithfield employee success derives from the employee’s effective listening, communication, and strong customer service expertise. Recoveries Specialists with Carson Smithfield strive for excellence by engaging and solving problems, as well as providing analytical skills on a daily basis.
Qualifications And Experience
- High school diploma or its equivalent
- 1-year minimum of customer service or call center/collections experience preferred
- Experience with First Data Resources (FDR), Evolve or related platforms preferred
- Available to work between the hours of 8am – 11pm
- Schedules typically require 1 weekend day, and shifts are typically 8 hours
- Detail oriented with strong organizational skills
- Negotiation skills are required
- Excellent written and verbal communication skills
- Ability to exercise discretion when dealing with confidential information
- Proficient in Microsoft Office Suite
- Must follow all guidelines of the Fair Debt Collections Practices Act (FDCPA)
- Advanced technical skills
Work From Home Requirements
- Because your employment experience will be remote, the Company requires that you maintain the following additional items, as a condition of employment.
- You must reside in the state where the job is posted: Pennsylvania, USA
- Dedicated workspace that minimizes noise and outside disruption, and protects confidential and secure information
- Smart phone mobile device with minimum operating systems: Android 5 or IOS 9
- High Speed Wired Internet: Download speed of 30 MBPS and Upload speed of 5-10 MBPS minimum
Our Employee Value Proposition
- Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
- Benefits Package -Medical, Dental, and Vision (plus much more)
- 401(k) Plan with Company Match
- Short- & Long-Term Disability
- Wellness Programs
- Group Life and AD&D Insurance
- Paid Vacation, Sick Days and bank Holidays
- Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition
We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.
We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable. 
