• Execute against established collections and recovery strategies to improve key portfolio metrics, including roll rates, cure rates, liquidation rates, and recovery performance • Monitor ongoing performance and proactively identify trends, risks, and opportunities for improvement • Support forecasting and performance tracking for collections and recovery channels • Contribute to the development and refinement of strategies based on observed performance and data insights • Manage day-to-day performance of third-party subservicers and collection agencies responsible for delinquency management and charged-off recoveries • Hold vendors accountable to clearly defined KPIs, SLAs, and performance expectations • Identify performance gaps and drive timely corrective action plans with vendors • Lead recurring performance reviews and operational meetings with vendors (weekly/monthly/quarterly) • Escalate and help resolve complex operational or borrower issues in partnership with vendors • Analyze collections and recovery performance data to understand drivers of borrower delinquencies and recovery trends • Partner with internal analytics teams to translate data into actionable insights and operational improvements • Identify, design, and implement process improvements and new collections tactics to enhance collections outcomes, scalability, and borrower experience • Prepare and deliver regular performance reporting, clearly articulating trends, drivers, and actions being taken • Ensure processes and vendor activities align with internal policies and regulatory requirements by partnering closely with the Legal and Compliance teams • Perform other duties as assigned

• Handle inbound and outbound telephone calls • Collect payment for medical and non-medical accounts • Utilize negotiating and customer service skills • Adhere to all FDCPA, FCRA, HIPPA and other applicable laws

Title: AR & Collections Analyst Location: Buckhead Job Description: Serving the needs of all families with young children, Carter’s Inc. is the largest North American apparel retailer exclusively for babies and young children, encompassing Carter’s, OshKosh B’gosh, Skip*Hop and Little Planet brands. Meaningful work, constant learning, genuine people, and a community guided by core values that promote inclusion and innovation is in everything we do. There are many reasons to build your career at Carter's. How you’ll make an impact: The Accounts Receivable & Collection Analyst position focuses on collecting outstanding invoices, reconciling complex disputes for our domestic and global customers; managing and preventing the continuation of outstanding past due to receivables while ensuring customer satisfaction and proactive sales engagement. This role typical reports into the Accounts Receivable and Claims Manager, and is based in our Buckhead office in our hybrid work environment. Accounts Receivable & Collections - 40% - Manage accounts receivable portfolio including collections, and chargebacks/disputes as assigned by manager. - Arrange and manage customer payment plans and negotiations; consult with the Manager of Credit & Collections including legal for severe and critical past due accounts. - Reconciliation and performance analysis of customer accounts providing KPI metrics to senior management, preparation of ad-hoc reporting, including but not limited to customer contracts, dispute resolutions, current aging status and/or others, as assigned by management. - Analyze research, and resolve past due items maintaining collection standard of 90% current aging status for assigned accounts; liaison with customer contacts via telephone, email, and customer web portals to collect data from various customer locations, resolve payment issues, facilitate collections and analyze credit exposure. - Access and navigate customer websites/portals to retrieve invoice payment information, claim copies and/or to resolve disputed / unpaid balances. Look for opportunities to streamline the process by partnering with IT and the vendor community. - Maintain detailed documentation of collection activity, including customer contacts, follow up on open items and account resolution status in SAP. - Serve as SAP Collections SME to provide training and support to internal business partners, including Order Management Logistics (OML), Sales and Distribution Center (DC) personnel to resolve operational and compliance issues. - Ability to track and manage various projects simultaneously in a high volume retail environment. - Help develop sound, acceptable credit policies while challenging existing processes. Take the initiative to identify areas of opportunity and innovative ways of using the SAP financial system. Dispute Resolution - 40% - Analyze, maintain and resolve all dispute cases in SAP. Identify root causes of customer chargebacks, update cases with gathered documentation and collaborate with internal or external business partners on solutions to remedy issues. - Research and manage all customer chargebacks, including retrieval of documentation and coding/payments from 3rd party systems. Input all dispute documentation in SAP within two weeks of posting and follow through to final resolution. - Assist in the preparation of month-end reporting including chargeback reporting to management. Significant emphasis will be placed on minimizing the number of chargebacks through timely research and internal partnership to drive process improvements. - Analyze and research high volume payment discrepancies and recommend process improvements to Accounts Receivable & Collections Manager, where applicable. Communication - 10% - Significant communication with internal business partners to drive company initiatives and maintain/improve accounts receivable portfolio performance - Effective communication with external partners (i.e. wholesale customers) to ensure account collections and dispute management cases are closed timely. - Communication with both internal and external auditors to ensure the financial integrity of our records. Internal Controls - 10% - Maintain accurate and complete records of collection activity to meet all internal control requirements. - Participate in special projects, assist management in quarterly and year-end audits and perform other related duties as assigned. - Understand and readily support company corporate business practices, policies, internal controls and procedures designed to create value or minimize risk. We’d Love to hear from you if: (Requirements section) Must have: - Excellent written and verbal communication - 1-3 years’ experience in accounts receivable and collections with the ability to reconcile credits & debits - Commitment to customer service, with the ability to build productive relationships with internal and external business partners. Preferred skills and experience: - Bachelor's degree in Business Administration, Accounting or Finance highly preferred and/or combination of school and equivalent related work experience. - Prior experience working with a significant considerable number of customer accounts requiring thoughtful analysis and communication to resolve open items and disputes - Experience working in global share services settings preferred. - Experience working with prior mainframe ERP systems (SAP a plus) - Preferred experience to have a full understanding of the entire order to cash process from sales orders to cash application. Preference to possess the ability to manage significant customer relationships by providing thorough customer analysis reports. - Preferred ability to interpret and downloading large sets of data after downloading from different source systems. - Advance skills of Excel working with pivot tables, vlookup’s, macros, graphs, Word and PowerPoint preferred. - Ability to identify root cause issues, offer possible solutions and innovation and/or next course of action for customer chargebacks/disputes and reconciliations. - Excellent negotiation skills, ability to gain trust and confidence with customers, management, and peers using tact and diplomacy. - Ability to work in a cross-functional team collaboration - Must be highly organized and deadline-oriented excellent time management skills. Make a career at Carter’s: - Career Development: Success starts from within, and we have several paths from which you can choose to enhance your career evolution. From Carter’s University to Toastmasters to mentorship programs and more, we encourage you to utilize these tools to elevate your professional prowess. NOTE: This job description is not intended to be all-inclusive. The duties described may be changed or reassigned at the discretion of management, and the employee may be required to perform duties that are not listed in the job description. Carters is committed to creating a diverse environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity, sexual orientation, national origin, genetics, disability, age, veteran status, or any other status protected by federal, state, or local law.

Title: Collections Representative Location: Boulder United States Job Description: This position is Remote in Boulder, CO. If you are located within commutable distance to the office at 4990 Pearl E Circle, Boulder, CO, you will have the flexibility to work remotely* as you take on some tough challenges. Optum Insight is improving the flow of health data and information to create a more connected system. We remove friction and drive alignment between care providers and payers, and ultimately consumers. Our deep expertise in the industry and innovative technology empower us to help organizations reduce costs while improving risk management, quality and revenue growth. Ready to help us deliver results that improve lives? Join us to start Caring. Connecting. Growing together. This position is full-time (40 hours/week) Monday - Friday. Employees are required to have flexibility to work any of our 8-hour shift schedules during our normal business hours of 8am - 5pm MST. It may be necessary, given the business need, to work occasional overtime. This will be on the job training and the hours will be during normal business hours. Primary Responsibilities: - Perform research on various computer systems and document customer information regarding status, payment expectations, notes of conversations and other relevant information - Obtain agreement on potential balance payoff and/or payment terms within stated level of authority and guideline limits - Print and mail claims, as needed - Other duties as assigned You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. Required Qualifications: - High School Diploma / GED - Must be 18 years of age or older - 1+ years of healthcare experience - Computer skills, including working knowledge of MS Windows and navigation, mouse, and keyboarding skills - Ability to work full-time (40 hours/week) Monday - Friday. Employees are required to have flexibility to work any of our 8-hour shift schedules during our normal business hours of 8am - 5pm MST, with flexibility on a case‑by‑case basis. It may be necessary, given the business need, to work occasional overtime Preferred Qualifications: - 1+ years of Revenue Cycle Experience and / OR Epic Experience Telecommuting Requirements: - Reside within a commutable distance of 4990 Pearl E Circle, Boulder, CO, with the ability to work onsite at least once per month - Ability to keep all company sensitive documents secure (if applicable) - Required to have a dedicated work area established that is separated from other living areas and provides information privacy - Must live in a location that can receive a UnitedHealth Group approved high-speed internet connection or leverage an existing high-speed internet service - All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The hourly pay for this role will range from $17.98 - $32.12 per hour based on full-time employment. We comply with all minimum wage laws as applicable. Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants. At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location, and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups, and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations. UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment. #RPO #RED