What is “debt settlement”?

Debt settlement is the process of negotiating with creditors to reduce the total amount owed. It’s typically used by consumers who are experiencing financial hardship and can’t keep up with minimum payments. Rather than paying the full balance, the goal is to reach an agreement to pay a reduced lump sum or structured payments.

1. JOB RESPONSIBILITIES:

• Work with creditors to negotiate/agree upon a reduced settlement on delinquent and/or charged-off accounts on behalf of our clients.
• Analyzing customer profiles and identifying the conditions required for the best agreement for the customer, following company guidelines (training will be provided upon employment).
• Collecting and submitting necessary documents provided by customers.
• Checking, reviewing files, and contacting the responsible person at the bank to explain and present the reasons of the customer for approving specific support programs offered exclusively for the customer.
• Informing customers about the offers provided by the bank.
• Persuading customers to follow the bank's plan to receive the best benefits.
• Coordinating with departments (Sales, Customer Service, Billing, etc.) to address customer inquiries when needed.
• Performing other tasks as required by management.
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2. REQUIREMENTS:

• Working hours: 21:00 - 06:00, 23:00 - 08:00 or 00:00 - 09:00
• Excellent English proficiency, accent US (work with customers/partners and banks in the US, work with English 100%, IELTS 7.0 or above/equivalent), strong preference for candidates with a neutral or American accent for clarity in communication.
• Prior experience living and working in the US is highly valued, particularly in roles involving interaction with American clients or professionals.
• Minimum 1 year of experience as a Negotiator or related positions: Customer Service, Customer Relationship, Processor Representative, Client Relationship, BPO Agent, Credit Consultant,...
• A background or understanding of the financial sector (debt, banking, customer service, collections, etc.) is a plus
• Age: 18 - 35 years old, good health and willing to work night shift.
• Pronounce clearly, confidently and attractively.
• Strong analytical and organizational skills. Excellent research & problem solving skills.
• Must be highly self-motivated, able to work independently, and make sharp, results-driven decisions under pressure and tight deadlines. A strong sense of urgency and commitment to hitting KPIs is non-negotiable.

Preference will be given to candidates who:

• Can start working immediately, attend interviews, and start work promptly.
• Have previous experience working in banks/financial organizations and possess a solid understanding of customer service practices.
• Have previously worked with US banks.

• High salaries for high performance, Official Salary: 25.000.000 - 35.000.000 VND + Bonus.
• Work in a foreign-friendly and professional environment.
• Full participation in social insurance according to government regulations.
• Annual regular health check-ups.
• Team building activities and a 13th-month salary based on the company's business performance.
• Receive comprehensive training on company processes before starting work - continuous supervision and guidance from management until proficiency is achieved.
• The company provides all the necessary work equipment.
• Training on software usage such as CRM, ZOOM as required by the company.
• Access to a pantry with free tea, snacks, coffee, noodles, etc., daily. Microwave, refrigerator, hot and cold water dispenser with a view of the city.
• Separate resting area during lunch break.
• Working environment: young, dynamic, productive & speed-focused with various departments and over 60 employees.
• Competitive salary commensurate with capabilities. Fair evaluation and opportunities for career advancement.

JOB DETAILS:

• Employment type: Full-time (Night shift at the company, remote/hybrid working are not accepted). 
• Industry: Financial services in the US market - Debt Settlement (No insurance, No lending). 
• Working hours: 21:00 - 06:00, 23:00 - 08:00 or 00:00 - 09:00, 5 days/week (working by US business hours).
• Location: 60/15 Ly Chinh Thang Street, District 3, HCM City.

Join our dynamic team and be part of an organization dedicated to delivering exceptional service and support to our valued clients across the United States. Apply now and embark on a rewarding career journey with Outsource Solutions!