Collections Representative Jobs for OPT Students
Collections Representative jobs are generally open to F-1 OPT students, though roles at banks and regulated lenders may require additional background checks. Standard OPT work authorization covers this field. Your STEM OPT extension applies if your degree is in business, finance, or a related quantitative discipline.
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Get Access To All JobsINTRODUCTION
This position is Remote in Minnesota or Wisconsin. You will have the flexibility to work remotely as you take on some tough challenges.
Opportunities at Optum, in strategic partnership with Allina Health. As an Optum employee, you will provide support to the Allina Health account. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start Caring. Connecting. Growing together.
This position is full-time (40 hours/week), Monday - Friday. Employees are required to work our 8-hour shift schedules during our normal business hours of 8:00am - 4:30pm CST, Monday - Thursday, and 7:30am - 4:00pm CST, Fridays. It may be necessary, given business need, to work occasional overtime.
We offer 4 weeks of on-the-job paid training. The hours of training will be during our normal business hours or will be discussed on your first day of employment.
PRIMARY RESPONSIBILITIES:
- Within a call center setting, receives and resolves calls from patients, insurance companies, attorneys, and departments.
- Coordinates the resolution of unpaid accounts.
- Obtains and processes payments.
- Collaborates with patients to create payment arrangements.
- Updates incomplete and missing account information.
- Documents collection activities.
- Other duties as assigned.
You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.
REQUIRED QUALIFICATIONS:
- High School Diploma / GED or equivalent years of work experience
- Must be 18 years of age OR older
- Proficiency with computer and Windows PC applications, which includes the ability to learn new and complex computer system applications
- Experience with Microsoft Office products include Microsoft Word (create correspondence and work within templates), Microsoft Excel (ability to sort, filter, and create simple spreadsheets), Microsoft Outlook (Create emails and send emails)
- 1+ years of healthcare (Hospital, clinic, insurance carrier) customer experience
- Equipment pick up is required on day one if you reside within 2 hours of 2925 Chicago Ave, Minneapolis, MN 55407. For those outside the area, equipment will be shipped
- Ability to work Monday - Friday. Employees are required to work our 8-hour shift schedules during our normal business hours of 8:00am - 4:30pm CST, Monday - Thursday, and 7:30am - 4:00pm CST, Fridays.
PREFERRED QUALIFICATIONS:
- 1+ years of experience in collections
- 1+ years of experience in health insurance
- 1+ years of experience working in EPIC OR other EMR systems
TELECOMMUTING REQUIREMENTS:
- Reside within Minnesota or Wisconsin
- Ability to keep all company sensitive documents secure (if applicable)
- Required to have a dedicated work area established that is separated from other living areas and provides information privacy.
- Must live in a location that can receive a UnitedHealth Group approved high-speed internet connection or leverage an existing high-speed internet service.
All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy.
Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The hourly pay for this role will range from $16.15 - $28.80 per hour based on full-time employment. We comply with all minimum wage laws as applicable.
At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone - of every race, gender, sexuality, age, location, and income - deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups, and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.
UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.
UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.
INTRODUCTION
This position is Remote in Minnesota or Wisconsin. You will have the flexibility to work remotely as you take on some tough challenges.
Opportunities at Optum, in strategic partnership with Allina Health. As an Optum employee, you will provide support to the Allina Health account. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start Caring. Connecting. Growing together.
This position is full-time (40 hours/week), Monday - Friday. Employees are required to work our 8-hour shift schedules during our normal business hours of 8:00am - 4:30pm CST, Monday - Thursday, and 7:30am - 4:00pm CST, Fridays. It may be necessary, given business need, to work occasional overtime.
We offer 4 weeks of on-the-job paid training. The hours of training will be during our normal business hours or will be discussed on your first day of employment.
PRIMARY RESPONSIBILITIES:
- Within a call center setting, receives and resolves calls from patients, insurance companies, attorneys, and departments.
- Coordinates the resolution of unpaid accounts.
- Obtains and processes payments.
- Collaborates with patients to create payment arrangements.
- Updates incomplete and missing account information.
- Documents collection activities.
- Other duties as assigned.
You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.
REQUIRED QUALIFICATIONS:
- High School Diploma / GED or equivalent years of work experience
- Must be 18 years of age OR older
- Proficiency with computer and Windows PC applications, which includes the ability to learn new and complex computer system applications
- Experience with Microsoft Office products include Microsoft Word (create correspondence and work within templates), Microsoft Excel (ability to sort, filter, and create simple spreadsheets), Microsoft Outlook (Create emails and send emails)
- 1+ years of healthcare (Hospital, clinic, insurance carrier) customer experience
- Equipment pick up is required on day one if you reside within 2 hours of 2925 Chicago Ave, Minneapolis, MN 55407. For those outside the area, equipment will be shipped
- Ability to work Monday - Friday. Employees are required to work our 8-hour shift schedules during our normal business hours of 8:00am - 4:30pm CST, Monday - Thursday, and 7:30am - 4:00pm CST, Fridays.
PREFERRED QUALIFICATIONS:
- 1+ years of experience in collections
- 1+ years of experience in health insurance
- 1+ years of experience working in EPIC OR other EMR systems
TELECOMMUTING REQUIREMENTS:
- Reside within Minnesota or Wisconsin
- Ability to keep all company sensitive documents secure (if applicable)
- Required to have a dedicated work area established that is separated from other living areas and provides information privacy.
- Must live in a location that can receive a UnitedHealth Group approved high-speed internet connection or leverage an existing high-speed internet service.
All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy.
Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The hourly pay for this role will range from $16.15 - $28.80 per hour based on full-time employment. We comply with all minimum wage laws as applicable.
At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone - of every race, gender, sexuality, age, location, and income - deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups, and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.
UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.
UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.
How to Get Visa Sponsorship in Collections Representative
Target employers comfortable with work authorization
Third-party collections agencies and fintech companies hire OPT students more readily than large banks. Smaller agencies focus on performance, not sponsorship complexity, making them practical first employers for building U.S. collections experience.
Highlight compliance and regulatory knowledge
Familiarity with the Fair Debt Collection Practices Act signals professionalism to hiring managers. Mention FDCPA awareness in your resume even if self-taught. Employers in collections value candidates who understand legal boundaries around consumer contact.
Emphasize bilingual communication skills
Fluency in Spanish, Mandarin, Hindi, or other languages is a genuine competitive advantage in collections. Many employers actively seek bilingual representatives. This skill can make you the stronger candidate and offset any hesitation about OPT authorization timelines.
Address your OPT timeline proactively
Collections supervisors care about retention. In interviews, clarify your remaining OPT duration and explain whether you qualify for a STEM extension. A concrete timeline reduces uncertainty and signals that you've thought through your authorization situation.
Pursue STEM OPT extension if eligible
Business analytics, finance, and information systems degrees often qualify for the 24-month STEM extension. Filing before your initial OPT expires gives employers three additional years of authorization, meaningfully improving your candidacy for collections roles with sponsorship potential.
Gain relevant certifications before applying
A credit or collections certificate from a recognized industry association strengthens your application. Certifications demonstrate commitment to the field and help offset employer uncertainty about OPT, especially for roles at larger financial services companies requiring background verification.
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Get Access To All JobsFrequently Asked Questions
Can F-1 OPT students work as Collections Representatives?
Yes. Collections Representative roles are eligible for F-1 OPT work authorization as long as the position is directly related to your field of study, such as business, finance, or communications. You must have an active EAD card before starting work. Third-party collections agencies and fintech lenders tend to be the most open to hiring OPT candidates.
Do Collections Representative jobs typically lead to H-1B sponsorship?
Some do, particularly at larger financial institutions and fintech companies where the role is classified as a specialty occupation requiring a bachelor's degree. Smaller collections agencies may not sponsor. The clearest path to sponsorship is joining an employer with an established immigration program and demonstrating strong performance during your OPT period. Migrate Mate lists collections roles filtered by sponsorship history to help you identify realistic targets.
Does a collections job qualify for the STEM OPT extension?
It depends on your degree, not the job title. If your degree is in business analytics, finance, information systems, or another qualifying STEM field, you can apply for the 24-month extension regardless of your job title. A Collections Representative role at an E-Verify employer satisfies the employment requirement. Confirm your degree's CIP code appears on the STEM designated degree program list before applying.
Are there background check concerns for OPT students in collections roles?
Regulated employers, especially banks and credit unions, run credit and criminal background checks that apply to all candidates, including OPT students. A clean record is typically sufficient. The background check process is the same for OPT holders as for any other candidate. Third-party agencies generally have lighter screening requirements if this is a concern.
What happens to my OPT status if I lose a collections job?
F-1 OPT allows up to 90 days of cumulative unemployment, or 150 days if you have a STEM extension. You must report the job separation to your DSO promptly so your SEVP record stays accurate. Finding a new qualifying position within that window keeps you in valid status. Search Migrate Mate for open collections and financial services roles to minimize gaps in employment.
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