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The Role
Your Impact
The Credit Collections Representative is responsible for managing a portfolio of trade credit accounts to ensure timely and accurate payment of balances. This role plays a key part in maintaining the financial health of the trade credit program by proactively monitoring account activity, resolving payment issues, and building strong customer relationships that support on-time payments and reduce credit risk.
What You Will Do
REQUIRED QUALIFICATIONS :
PREFERRED QUALIFICATIONS:
About Lowe's
Lowe's Companies, Inc. (NYSE: LOW) is a FORTUNE® 100 home improvement company serving approximately 16 million customer transactions a week in the United States. With total fiscal year 2024 sales of more than $83 billion, Lowe's operates over 1,700 home improvement stores and employs approximately 300,000 associates. Based in Mooresville, N.C., Lowe's supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information, visit Lowes.com.
Lowe's is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law.
The Credit Collections Representative is responsible for managing a portfolio of trade credit accounts to ensure timely and accurate payment of balances. This role plays a key part in maintaining the financial health of the trade credit program by proactively monitoring account activity, resolving payment issues, and building strong customer relationships that support on-time payments and reduce credit risk.
What You Will Do
- Be responsible for aging and soft collections within assigned portfolio of accounts (800-1000+ accounts) by telephone and/or email to process payments and/or initiate collections procedure, including release orders.
- Maintain accurate records of contacts and attempted contacts with account customer, as well as, records of any payments collected from the customers and accurate customer contact information
- Provide white glove customer service through answering inbound calls timely and process inquires/requests from ZenDesk ticketing system.
- Partner closely with Outside Sales Representatives and Pro Solutions Center
- Research and reconcile misapplications, overpayments, and unapplied cash, requesting refund checks, as needed
- Submit regular reports on the status of unpaid accounts and any repayment progress
- Leverage customer data (payment history, purchases, ability to pay, business strategy) to make decisions on credit limits, payment plans, etc.)
- Other duties, as assigned
REQUIRED QUALIFICATIONS :
- High school diploma or equivalent
- Minimum 3 years' experience in credit and collections environment
PREFERRED QUALIFICATIONS:
- Bachelor's Degree
- Cforia experience
About Lowe's
Lowe's Companies, Inc. (NYSE: LOW) is a FORTUNE® 100 home improvement company serving approximately 16 million customer transactions a week in the United States. With total fiscal year 2024 sales of more than $83 billion, Lowe's operates over 1,700 home improvement stores and employs approximately 300,000 associates. Based in Mooresville, N.C., Lowe's supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information, visit Lowes.com.
Lowe's is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law.
What the Team is Saying
Seemantini Godbole
EVP, Chief Digital & Information Officer
Vivek B.
Director, Software Engineering
Laura M.
Lead Software Engineer
Hannah W.
Product Manager
Margot F.
Sr. Manager, Software Engineering
Rachel L.
Product Manager
Morgan S.
Associate Product Manager
Elaina W.
VP Applied AI, Data Products & Analytics
Anyae B.
Human Resources Director
Laura B.
Store Manager
Wayne E.
Senior Operations Manager
Elaine W.
VP Data Products, Applied AI, and Analytics
Jerry G.
Inclusion Network Leader
Sara K.
Inclusion Network Leader
Emily H.
Associate Merchant
Brook G.
HR Intern
Keshan J.
Sr. Field Merchant
Adam K.
Assistant Marketing Manager
Robin C.
Product Manager Inventory Replenishment and Planning
Cesar G.
Operations Manager Contact Center
Shari F.
Finance Manager
Jason B.
Store Manager
Benjamin C.
Merchandising Service Associate
Marvin Ellison
President & CEO
Grayson H.
VP Pricing, Promotions & Credit
Seemantini Godbole
EVP, Chief Digital & Information Officer
Lowe’s Compensation & Benefits Highlights
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Inclusive Benefits Coverage — Medical, dental, and vision plans are available to regular full‑time and part‑time associates, with mental‑health/EAP resources included. Extending core health coverage to part‑timers broadens access across the workforce.
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Retirement Support — A 401(k) with company match up to 4.25% when contributing 6% supports associate retirement savings. Availability spans regular full‑time and part‑time roles per company materials.
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Equity Value & Accessibility — An Employee Stock Purchase Plan with a 15% purchase discount provides accessible ownership for associates. This adds a meaningful equity component alongside core pay and savings benefits.
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The Company
What We Do
It’s curious to think of innovation and stability co-existing. But we pair a 100-year track record of success with a hunger to do things differently. Everyone is in the work — tackling complex problems where your impact can build back or build up the communities we serve. We fill our halls with curious minds from all walks of life. Our differences make us stronger, which is why our leaders build cultures of recognition and inclusion. You are heard, and your curiosities are celebrated and championed here.
Why Work With Us
We have built a space where the curious can move freely. Up in title, up in skills, to the side with teams, or back to try something completely new. We help you find your path — because when you win, we all win.
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Lowe’s Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
Typical time on-site:
2 days a week
