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Enova International — Chicago, Illinois
We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas or take over sponsorship at this time.
About The Role
: The Recoveries Operations Auditor oversees audits of third-party collection agencies, law firms, and the internal recovery team to ensure compliance with the FDCPA and other regulatory
Requirements
This role evaluates operational processes, inventory management, and collection practices through onsite and offsite audits. The auditor also monitors key controls and compliance areas such as dialing regulations, payment processing, dispute handling, licensing, and contract adherence while providing oversight and recommendations to strengthen operational performance and regulatory compliance. This role reports to the Lead, S O.
and industry best practices. Provide recommendations to leadership regarding vendor performance, retention, or termination. Conduct performance audits including liquidation rate analysis and improvement opportunities.
: Bachelor’s degree in Business or equivalent experience in collections at a creditor, lender, or collection agency/debt buyer. 5–7 years of experience in collections operations, vendor management, or dialer strategy. Experience in collections training, quality assurance, reporting or compliance preferred.
Ability to identify audit findings, escalate issues appropriately, and manage relationships with agency or law firm leadership in a professional and assertive manner. Proven ability to manage complex projects through their entire lifecycle, from initial scoping to final delivery. Strong written and verbal communication skills with the ability to collaborate across departments.
Proficiency in Microsoft Office and Google Suite.
Responsibilities
: Conduct quarterly onsite and offsite audits of third-party collection agencies, law firms, and internal recovery operations to assess performance, operational processes, and regulatory compliance. Audit inventory, accounts, and files forwarded to agencies to verify accuracy, completeness, and adherence to internal policies. Review call recordings, written communications, and outbound collection activity (letters, emails, dialing, SMS, prerecorded messages, chat) to ensure compliance with the FDCPA and other applicable laws.
Evaluate key compliance and operational areas including dialing regulations, payment processing, disputes, settlements, payment plans, licensing, and contract adherence. Identify deficiencies or non-compliant activities, document findings, and partner with agencies to implement corrective actions. Prepare detailed audit reports and maintain records to support internal monitoring and regulatory reviews.
Compensation
The budgeted annual salary range for this position is $72,000 to $104,000.
for this role may include a bonus.
Qualifications
, skills, experience, and level assessed during the hiring process and may fall outside of the range shown.
Benefits
, described in more detail here .
S. K.
Perks
: Our hybrid roles require in-office work Tuesday through Thursday, with remote flexibility on Mondays and Fridays. This schedule fosters collaboration, team connection, and strategic planning, enhancing communication and effectiveness to drive results.