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Payment Specialist

Troy, Michigan
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A World of Opportunity and Innovation

Step into a career where your contributions truly matter. As a member of our Call Center Team, you’ll be integral to our mission, providing essential support and guidance to our consumers.

Be at the forefront of helping people navigate their financial journeys, empowering them to make informed decisions. Our team thrives in a collaborative, vibrant, and fast-paced environment, offering all the support you need to succeed. Together, we’ll drive our consumers toward the financial freedom they seek.

  • Full Time
  • Level: All Skill Levels
  • No Weekends

Success Profile

Want to know what makes a great Call Center Team Member? Our top performers share these key traits that drive their success!

  • Drive for Results
  • Innovation and Agility
  • Leading and Enabling Change
  • Building Effective Partnerships
  • Developing Self and Others

Explore Your Career Path

As a member of our Call Center team, you have the opportunity to advance within Operations or explore a variety of career paths. Whether your interests lie in Call Center Operations or corporate roles, we’re committed to supporting your journey in finding your perfect career.

  • Grow Your Career With MCM
  • Call Center Operations
    Corporate Roles
    Process Excellence Manager
    Operations Training Specialist
    Your Dream Career

Job Description

The Payment Specialist confirms and balances all daily consumer payment postings performed by Posting Clerks. They are responsible for monitoring and performing quality checks, balancing physical payments to bank deposits and performing research to resolve exceptions.

RESPONSIBILITIES

  • Physical Payment Balancing & Reconciliation: Balancing and confirming physical consumer payments posted by the GGN Posting Team.
  • Deposit Management: Preparing, scanning and verifying the accuracy of deposits to send to the bank.
  • Exception Management: Performing research to resolve exceptions, including unidentified payments. Calling on exceptions and reaching out to other departments as needed.
  • Bank Report Reconciliation: Reconciling bank reports to postings and forwarding wires to appropriate teams.
  • Automated Payment Reconciliation: Verifying daily reconciliation for automated payments.
  • Exception Resolution: Tracking all payment exceptions and forwarding to the correct party.
  • Payment Posting: Posting consumer payments to accounts.
  • Other: Performing other duties, as assigned.

MINIMUM REQUIREMENTS

EDUCATION:  High School Diploma     

EXPERIENCE:  1 year minimum job-related experience

KNOWLEDGE, SKILLS, ABILITIES, AND OTHER ATTRIBUTES:

  • Knowledge of basic accounting concepts.
  • Strong problem-solving skills and handling difficult reconciliations; Confident in oral and written communication.
  • Ability to prioritize work and complete daily balancing reports.
  • Maintain a collaborative work environment while abiding to our company’s standard of professional ethics and behavior.

PREFERRED QUALIFICATIONS.

EDUCATION:  Associate's                 FIELD OF STUDY:  Accounting; Business

EXPERIENCE:  Accounting experience

KNOWLEDGE, SKILLS, ABILITIES, AND OTHER ATTRIBUTES:

  • Accounting knowledge
  • Proficiency with MS Office (word, excel)
  • 10 key experience
  • Detail oriented

    If you are wondering why you should work for us, here is something to help you decide:

    • Pay and Bonuses: Earn a competitive salary. All employees are eligible for monthly incentives or annual bonus.

    • Career Progression: Grow at MCM with paid training and development programs – including our very own MCM Academy – as well as a promote-from-within philosophy.

    • Reward and Recognition: We are committed to honoring great results – ranging from informal accolades to formal company-wide awards and prizes like all-inclusive vacations.

    • Tuition Assistance: Pursue a degree or coursework related to your current role, or the role you are striving for.

    • Healthcare Insurance: Take advantage of comprehensive healthcare plans and options to ensure your continued health, plus fitness membership reimbursements, weight watchers, our wellness rewards Program and more.

    • Volunteering Opportunities: Enjoy up to eight hours of paid time off each year to volunteer. We also offer volunteer grants and matching financial donations, up to US$ 2,500 per employee annually.

    • Retirement Savings: Build a strong financial foundation and reach your goals for the future. With all the effort you invest in us, we’re proud to invest in you.

    • New Family Support: Celebrate your new arrival with company paid leave, new parent flex time, and child back-up care options.

    • Team-building: Enjoy experiences that inspire bonds with your colleagues through a wide range of company-sponsored team-building events, such as holiday celebrations and department outings.

    • Work-Life Balance: Enjoy paid and floating holidays, as well as generous paid-time-off.

    Our compensation and benefits programs were created with an 'Employee-First Approach' focused on supporting, developing, and recognizing YOU.  We offer a wide array of wellness and mental health initiatives, support volunteerism, and environmental efforts, encourage employee education through leadership training, skill-building, and tuition reimbursements, and always strive to provide promotion opportunities from within.

    About Us

    Headquartered in the United States, Encore Capital Group (Encore) is a publicly traded international specialty finance company operating in various countries around the globe. Through our businesses - such as Midland Credit Management and Cabot Credit Management - we help consumers to restore their financial health as we further our Mission of creating pathways to economic freedom. Our commitment to building a positive workplace culture and a best-in-class employee experience have earned us accolades including Great Place to Work® certifications in many geographies where we operate. If you have a passion for helping others and thrive at a company that values innovation, inclusion and excellence, then Encore Capital Group is the right place for you.

    Encore Capital Group and all of its subsidiaries are proud to be an equal opportunity employer and are committed to fostering an inclusive and welcoming environment where everyone feels they belong. We encourage candidates from all backgrounds to apply. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identity, national origin, age, marital status, protected veteran status, disability status, or any other status protected under applicable law. If you wish to discuss potential accommodations related to applying for employment, please contact Talent@mcmcg.com

    Apply

    Our Total Rewards Package

    We understand the importance of the balance between work and life, between fun and professionalism, and between being a corporation and being a community. That’s why we provide compensation structures and benefit plans tailored to each of our global hubs, and then enhance them with a wide range of programs that support your personal and professional growth. It’s our way of showing you that we recognize your value, understand what’s important to you, and want to reward your contributions.

    • Holistic Wellness

      We’re focused on your wellbeing, and that means supporting you across all dimensions of wellness through company sponsored team building events, wellness challenges, lunch & learns, webinars, on-site events to foster bonds with colleagues, and more!

    • Work-Life Balance

      Our total rewards package is designed to help you thrive in and out of the office. Enjoy 11 paid holidays, generous PTO, and inclusive parental leave policies that allow new parents to bond with their growing families. Our commitment to your work-life balance is at the heart of it all.

    • Healthcare

      Take advantage of comprehensive healthcare plans and options including medical, dental, and vision insurance planscal, dental and vision insurance plans to ensure your continued health, plus wellness reimbursements for fitness membership, Weight Watchers, nutrition coaching, mental health and fitness apps, Employee Assistance Program (EAP), group sports, and more!

    • 401(K) Match

      Build a strong financial foundation and reach your goals for the future. With all the effort you invest in us, we’re proud to invest in you.

    • Career Path & Development

      Grow at MCM with comprehensive paid training and development programs—including our very own MCM Academy—as well as a promote-from-within philosophy.

    • Pay & Bonuses

      Earn a competitive salary. All employees are eligible for incentives or annual bonus compensation.

    • Awards & Recognition

      Enjoy the spotlight with a commitment to honoring great results—ranging from informal accolades to formal company-wide awards and prizes like our Encore Honors program where you get to choose the prize that best fits your needs!

    • Tuition Assistance

      Unlock your full potential with tuition reimbursement program aligned to your career goals. We will support your professional development ambitions.

    • Volunteerism Support

      Enjoy up to 8 hours of paid time off each year to volunteer. We also offer volunteer grants and matching financial donations, up to $2,500 per employee annually.

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    Learn More About MCM

    I enjoy coming to work knowing I am helping people get into financial freedom and making a difference in their lives. I love working at a place where hard work is appreciated and recognized.

    Erica Dusha, Midland Credit Management Account Manager, St. Cloud

    Life At MCM

    A Day In the Life of an Account Manager

    Get an in-depth look at what your day-to-day is going to look like once you’re an MCM Account Manager. Get a feel for what the job is once you're a part of the team and gain understanding and knowledge of what an AM really does when they come in to work in the morning.

    Site Tour

    Step inside the US MCM offices and discover a vibrant community where talent and ambition thrive. Take an in-depth look at our organization and see what your passion, drive, and sense of community are building. See how you can make a meaningful impact in our consumers' lives, as well as your own. Watch our US Site Tour Video and see the future career that's waiting for you at MCM.

    Awards & Achievements

    Great Place to Work Certified 2024-2025 USA
    america's greatest workplaces 2025 diversity award
    America's Greatest Workplaces For Diversity – 2025

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