• Demonstrate strong self-motivation and passion for learning various new payment solutions, and utilize advanced probing negotiation, and skills to understand customer situations and resolve delinquency. • Learn about new business concepts and new collection techniques or payment programs in a fast-paced environment to drive continuous business improvement. • Treat customers with respect and demonstrate sensitivity and compassion in difficult situations. • Lead conversations to choose among alternative courses of action to resolve delinquency issues and bring accounts back on track. • Show great sense of ownership, timeline and receptiveness to development feedback while following established procedures, policies, and planned schedule to drive the best results. • Demonstrate personal excellence including punctuality, integrity, and accountability. • Demonstrate a strong focus on key performance indicators (KPIs) to drive collection efficiency and achieve monthly targets. • Navigate multiple call center platforms while staying engaged with our customers on the phone, and handle the cases accurately. • Use strong attention to detail and a strong drive to follow up on unsolved cases. • Ensure compliance with applicable laws, rules, and regulations. • Adhere to internal policies by applying sound ethical judgment regarding personal behavior, conduct and business practices, while escalating, managing and reporting control issues with transparency.

Role Description We are currently hiring Collections Representatives to help grow our company and ensure our mission is achieved! This role is a work from home position and can be performed remotely within a 60-mile radius of El Paso, Texas. YOUR DAY-TO-DAY: - Responsible for outbound and inbound calls, collecting on accounts that are past due - Provide top tier support and service to our customers THE DETAILS: - Start Date: Monday, June 8, 2026 - Virtual Training: 5 weeks, Full Time/mandatory, Monday-Friday, 8:30AM-5:00PM; 100% attendance required - Full Time Shifts Available: Monday through Friday, either 10:00AM-6:30PM or 11:30AM-8:00PM - Saturdays Required: 6:30AM-3:00PM - Compensation: $14.25/HR + BONUS Qualifications - Customer Service and prior collections experience with impeccable interpersonal skills - Excellent verbal and written communication skills - Computer and typing literacy/proficiency, working with multiple software applications/screens simultaneously - Phone experience in a customer service/call center environment - High school diploma or GED equivalent, must also be 18 years or older Requirements - You must be located within a 60-mile radius of El Paso, TX - You must have a designated home-based workspace (preferably one that is quiet and free from distractions) - You must have a wired internet connection with internet service speeds of at least 10 mbps download and 4 mbps upload to ensure continuous support through excellent call quality and high-speed response rates (wireless, DSL, and/or satellite Internet Service Providers are not compatible with our systems) Benefits - Competitive Compensation - Full Health Benefits; Medical/Dental/Vision/Life Insurance + Paid Parental Leave - Company Matched 401k - Paid Time Off + Paid Holidays + Paid Volunteer Hours - Employee Resource Groups (Black Inclusion Group, Women in Leadership, PRIDE, Adelante) - Employee Stock Purchase Program - Tuition Reimbursement - Charitable Gift Matching - Job required equipment and services

• Assist customers in payment resolution • Contact customers professionally regarding payment options • Maintain accurate records and adhere to regulations • Develop manageable repayment plans with customers • Collaborate with team to streamline processes

Role Description The Bread Collections Associate will assist customers who are behind on payments, helping them to become current. Contact customers professionally and respectfully to discuss payment options and create manageable repayment plans. Strong communication and negotiation skills are essential to working with customers to find solutions that benefit everyone. Additionally, you'll play a vital role in maintaining accurate records and adhering to all relevant regulations. - Professionally contact customers via phone to arrange account updates and resolve outstanding balances. Adhere to internal policies and procedures to ensure a positive customer experience and compliance with FDCPA and state regulations. - (40%) - Demonstrate exceptional empathy and communication skills to build rapport and navigate challenging customer interactions. Collaborate with customers utilizing strong communication and analytical skills to develop realistic and manageable solutions for bringing accounts current. - (30%) - Investigate, research, and track consumer information using skip tracing tools, adhering to data privacy regulations. Maintain thorough and accurate documentation of all customer interactions, account activity, and collection efforts. Ensure 100% data integrity in CRM system documentation for all customer interactions. - (20%) - Proactively identify opportunities to streamline collection processes and enhance team efficiency. Communicate improvement ideas and collaborate with the team to implement positive changes. - (10%) Qualifications - High School Diploma or GED - 1+ years experience in collections, call center, or sales Requirements - If the role is listed as “Bilingual,” must be able to pass a bilingual assessment (English/Spanish). - 2+ years experience in collections, call center, or sales Benefits - Medical, prescription drug, dental, vision, and other voluntary benefits - Six weeks of 100% paid parental leave for eligible parents - 401(k) plan enrollment available immediately - 11 paid holidays - Bi-annual grant of Paid Time Off (PTO) - Payout of unused PTO, up to 40 hours - 72 hours of Paid Sick Leave Plus (PSL+) per calendar year - 80 hours of Paid Sick and Safe Time (PSST) for California associates - Eligibility for monthly incentives - 10%/hr premium for hours worked between 5pm-6am and all weekend hours