Bilingual Credit Counselor

  • Full Time
  • Phoenix
  • Hybrid/Flexible

Website Take Charge America, Inc.

Nonprofit Financial Education


Take Charge America is a nonprofit financial education and credit counseling agency located in Phoenix, Arizona. We have helped nearly 2 million people nationwide transform their financial futures with one-on-one guidance to pay off debts, regain financial independence and save for the future.

As a nonprofit agency, our mission is rooted in providing free financial education. We offer counseling, resources, and knowledge to improve financial wellbeing at the individual, household, and community levels.

Since 1987, we have helped our clients manage and repay more than $6 billion in personal debts – and we have offered much-needed guidance to millions more through our public outreach and education.


Consumers contact Take Charge America for help with a variety of financial challenges, including credit card debt that has become difficult to manage. This position offer support to a credit counseling process that includes a complete financial review and personalized budget, along with recommended solutions to help clients resolve their debt, achieve financial freedom and start saving for the future.


As a Bilingual Credit Counselor, you will talk with clients about their current financial situation, challenges and hardships to help them understand their available options. Credit Counselors build trust with clients by listening carefully and responding with kindness and compassion. Clients should come away from talking with you feeling relieved and hopeful they have found a solution to their financial challenges.
You will walk clients through a complete review of their current income, expenses and debts and use that information to create a budget using our proprietary software. The information clients provide will also determine the solutions you recommend, which may include a Debt Management Plan. Take Charge America manages these plans that allow consumers to pay off credit debt more quickly than doing it on their own. If the debt management plan is their best option, you will discuss the program benefits and encourage them to enroll in the plan.

We offer a comprehensive training program to help you become familiar with all aspects of personal finance and debt, as well as the education and services we offer. By the time you begin taking calls, you’ll feel confident and well-prepared to help clients find solutions and change lives.

Physical Demands

Must be able to sit, stand, walk or a combination of the three for up to 10 hours a day

Position requires the ability to speak and hear 100% of the time

Must be able to lift up to 10 pounds

Availability Requirements

Attendance: Must maintain regular and acceptable attendance
Regular Hours: Must be regularly available during business hours (6am-7pm AZ time) and willing to work at least 8 hours per day, five days per week, or such other hours per day or hours per week as we determine are necessary or desirable to meet our business needs

Available for 6-8 weeks of on-site training from 8:00am-4:30pm, M-F
Overtime: Must be available and willing to work such overtime per week as we determine is necessary or desirable to meet our business needs
Weekend and Holiday: Must be available and willing to work such weekends and holidays as we determine are necessary or desirable to meet our business needs

Hybrid Requirement: Can perform duties remote, except those job duties which are customarily or by their nature performed onsite (such as group meetings, deliveries to designated destinations, or onsite training)


What makes you a great Bilingual Credit Counselor?

  • 1-2 years in a phone-based/customer service role
    Experience in the financial service industry, sales, or collections
  • You must be flexible, dependable, committed, and open to change
  • You know how to get people talking and listen patiently to their response
  • You are empathetic and non-judgmental; you like to make people feel better
  • You have a desire to grow and expand your knowledge through cross-training opportunities in our housing counseling department
  • You enjoy contributing to a supportive team environment
  • You have a High School Diploma or GED — some college is great, too!
  • You are bilingual in Spanish
  • Pass the NFCC and FCRA certification tests during training and maintain certifications


A casual and diverse environment where compassion is key — everyone at Take Charge America is committed to helping consumers find solutions to their challenges. Whether working with clients or colleagues, we listen with empathy and respond with encouragement.


  • Flexible work model that supports a blend of in-office and remote work
  • $21.25 per hour to start with paid training
  • Competitive health benefits, including: medical, dental, vision, life, short and long-term disability insurance
  • Benefits start the 1st of the month following 30 days of hire
  • Health Savings Account with $480 annual company contribution
  • Employee Wellness Program with a variety of discounts, prizes, ways to earn money back and low monthly gym access memberships
  • 401k with employer match
  • 13 PTO days per year to start, 9 paid holidays & one floating holiday
  • Casual dress code: Jeans and sneakers welcome!

Job Type: Full-time

Pay: $21.25 per hour


401(k) matching
AD&D insurance
Dental insurance
Disability insurance
Employee assistance program
Health insurance
Health savings account
Life insurance
Paid sick time
Paid time off
Paid training
Referral program
Vision insurance
Work from home
Physical setting:

Call center

8 hour shift
Monday to Friday
Weekends as needed
Ability to commute/relocate:

Phoenix, AZ 85027: Reliably commute or planning to relocate before starting work (Required)

Customer service: 2 years (Required)
Work Location: Hybrid remote in Phoenix, AZ 85027

HUD Certification not needed

To apply for this job please visit

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