Bilingual Collections Specialist


Plano, Texas


Cognical, dba Zibby, is a mission-driven financial technology company with big plans to remake finance from the bottom-up. We build payment products that give 48% of the US population with low and evolving-credit a way to get the products they need, from the retailers they choose, online or in-store. Zibby’s goal is to graduate successful payers to lower payments. We are well-funded by top VC’s and led by team of experienced entrepreneurs.

Job Summary

Zibby is seeking a Bilingual Collections Specialist to work with our clients in a consultative manner in accordance with all applicable laws, policies, and procedures.


  • Negotiate with customers to resolve account matters
  • Maintain and notate all appropriate information and documentation on customer and account status. Collaborate with others on the team involved with collections of accounts
  • Investigate, research, and track consumer information using online skip tracing tools
  • Work together as both team member and individual contributor in a goal-oriented environment to meet individual and team targets
  • Maintain compliance with FDCPA (Fair Debt Collection Practices Act) and state regulations
  • Perform in bound and out bound English and Spanish collections calls and correspondence
  •  Maintain clear, concise and accurate documentation of all attempts and/contracts made and received for accounts in accordance with company specification
  • Handle 200-300 calls per day


  • Effective written and verbal communication skills
  • Strong listening skills, ability to follow written and/or verbal instructions
  • Good mathematical aptitude and the ability to work accurately with numbers are essential
  • Goal oriented, and seeks to consistently meet daily, weekly, and monthly goals
  • The ability to effectively interact and communicate with customers in a professional manner
  • Ability to learn company’s collections computer system and phone system
  • Team player
  • Soft skill collections knowledge
  • Skip tracing to locate individuals

Minimum Qualifications:

  • High school diploma or G.E.D.
  • Must be bilingual (English/Spanish) both with written and verbal communication
  • A minimum of 1 year in a call center environment
  • A minimum 1-year experience in collections, customer service and/or Debt Consolidation
  • Proficiency with software programs such as MS products, data entry skills are desired
  • Must be a team player with high energy and strong organizational and problem-solving skills
  • Customer friendly experience
  • Reliable, ability to work flexible day, evening and weekend hours as required

Interested Applicants

Zibby provides the opportunity to participate in a variety of outstanding benefits. In addition to a business casual office atmosphere, the company offers the following benefit programs:

  • 401(k) plan
  • Medical Plans
  • Dental and Vision plans
  • Basic life/AD&D insurance
  • Supplemental life/AD&D insurance
  • Voluntary short-term disability
  • Long term disability
  • Voluntary term life, critical illness and accident insurance policies
  • Flexible spending accounts (FSA)
  • Health savings account (HSA)
  • Paid Time Off (PTO)

Zibby is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, protected veteran status, genetic information, or any other characteristic protected by applicable law.

All offers of employment are contingent on standard background checks.


Apply here