Full-Time

Financial Service Representative

Updated on 8/1/2026

Deadline 5/27/27
Heights Finance

Heights Finance

501-1,000 employees

Provides installment loans and related products

Compensation Overview

$16.50 - $23/hr

+ Monthly Bonus Program + 401(k) match

Lawrenceville, GA, USA

In Person

Category
Finance & Banking (1)
Required Skills
Sales
Customer Service

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Requirements
  • Ability to read, speak, and write fluently in both English and Spanish.
  • Ability to provide customer-focused service and promote products and services that meet customer needs.
  • Ability to communicate verbally and in writing and build rapport quickly.
  • Ability to think on your feet and offer creative solutions to customer challenges.
  • Willingness to learn new systems and processes in a dynamic environment.
  • A high school diploma or equivalent is required.
  • Experience in customer service, sales, or consumer finance is preferred but not required.
Responsibilities
  • Provide support to new and existing customers and guide them through the loan process.
  • Use consultative sales techniques to educate customers on financial products and services and identify opportunities to upsell and cross-sell.
  • Manage inbound calls and make proactive outbound calls to attract new business and promote company offerings.
  • Collaborate with customers on past-due accounts, offer solutions, and work toward resolution.
  • Participate in a hands-on training program with one-on-one mentoring.
  • Follow regulatory guidelines and company policies to protect customer information and company assets.
Desired Qualifications
  • College coursework or a degree is a plus.
  • Experience in customer service, sales, or consumer finance.

Heights Finance is a consumer finance company that provides installment loans and related products to help everyday people meet their financial needs. It operates through hundreds of branches staffed by loan specialists who guide customers through the loan process and offer personalized service. The loans are repaid over fixed schedules, with terms set by the lender and tailored to the borrower's situation, making funds available quickly for those who need it. Heights Finance differentiates itself through its large branch network, a people-first approach, and a focus on respectful treatment and community impact, supported by employee benefits like a 401(k) plan and health coverage. The company’s goal is to help customers access credit to cover essential expenses while fostering mutual success for its employees and communities.

Company Size

501-1,000

Company Stage

Acquired

Total Funding

$360M

Headquarters

Peoria, Illinois

Founded

1992

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Simplify Jobs

Simplify's Take

What believers are saying

  • Branch conversions create onboarding-data improvements and localized retention opportunities.
  • The large installed base supports cross-sell, repeat borrowing, and brand migration.
  • Secured and unsecured loans up to $10,000 fit small-dollar credit demand.

What critics are saying

  • CFPB litigation threatens injunctions, restitution, and conduct restrictions.
  • Branch conversion can disrupt underwriting, servicing, and customer communication.
  • Subprime borrowers expose Heights to higher delinquencies and weaker funding appetite.

What makes Heights Finance unique

  • Heights Finance is converting First Heritage branches into its flagship brand.
  • It operates 350+ branches across 13 states, serving 550,000+ consumers.
  • Its multi-brand network includes Heights Finance, Covington Credit, Quick Credit, and Southern Finance.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

401(k) Retirement Plan

401(k) Company Match

Tuition Reimbursement

Performance Bonus

Growth & Insights and Company News

Headcount

6 month growth

5%

1 year growth

5%

2 year growth

4%
PYMNTS
Mar 25th, 2024
Consumer Credit Lender Curo Files For Bankruptcy Protection

CURO Group Holdings has filed for bankruptcy protection to implement the terms of a Restructuring Support Agreement (RSA) supported by about 74% of its lenders.The restructuring plan is expected to reduce the company’s debt by about $1 billion, save it about $75 million in cash interest annually and enable it to invest in growth, the consumer credit lender said in a Monday (March 25) press release.“Implementing this restructuring through a court-supervised process is the most efficient path to enable us to make changes to our capital structure that will allow us to continue to grow responsibly, execute with excellence and solidify the foundation of the company,” Doug Clark, CEO at CURO, said in the release.The company will continue to provide its customers with a variety of financial services, and expects to exit the restructuring process as a stronger company with less debt, Clark said.“We are grateful for the ongoing support of our vendors, landlords and business partners,” Clark said. “With the changes that will result from this process, our future is bright.”The company has filed motions with the bankruptcy court to ensure that its operations continue uninterrupted, and has received a commitment of up to $70 million of new capital in the form of debtor-in-possession financing, according to the release.CURO expects to emerge from the restructuring process within 120 days, the release said.David Smolens, managing director in the Special Situations Group at Oaktree Capital Management, one of the firms that led negotiation of the RSA on behalf of creditors, said in the release: “We look forward to working with and supporting CURO as it moves on to its next chapter.”CURO has struggled with profitability in recent years as its debt burden grew because of acquisitions, Bloomberg reported Monday.It had more than $2 billion of debt as of Sept. 30 and said in its Chapter 11 filing that it has assets and liabilities of at least $1 billion each, according to the report.One of CURO’s wholly owned subsidiaries, Heights Finance Holding, was the target of a lawsuit filed in August by the Consumer Financial Protection Bureau (CFPB), which charged that the company has engaged in illegal loan-churning practices.CURO said at the time that it denied the allegations and would “vigorously defend its business practices.”

PYMNTS
Aug 22nd, 2023
Cfpb Targets Heights Finance For Alleged Illegal Loan Churning

The Consumer Financial Protection Bureau (CFPB) has filed a lawsuit against Heights Finance Holding, formerly known as Southern Management, and several of its subsidiaries, charging they have engaged in illegal loan-churning practices. The CFPB alleged that the company and its subsidiaries (collectively known as Southern) target struggling borrowers and pushes them into refinancing their loans multiple times, resulting in substantial costs and fees, the agency said in a Tuesday (Aug. 22) press release. Southern, a nonbank, high-cost installment lender, operates under various trade names such as Covington Credit, Southern Finance and Quick Credit, according to the release. The company is a wholly owned subsidiary of CURO Group Holdings

CUInsight
Aug 22nd, 2023
CFPB sues installment lending conglomerate for illegally churning loans to harvest hundreds of millions in loan costs and fees

WASHINGTON, D.C. (August 22, 2023) - Today, the Consumer Financial Protection Bureau (CFPB) sued Heights Finance Holding Company, formerly known as Southern Management Corporation, a high-cost installment lender, as well as several of Heights's subsidiaries (collectively, Southern), for illegal loan-churning practices that harvested hundreds of millions in loan costs and fees.

MergerLinks
Jul 12th, 2022
MergerLinks acquires Heights Finance Corporation

"In late 2021, MergerLinks acquired Heights Finance, a leading near-prime installment lender, signifying its entry into this broader consumer lending market in the US.

Nasdaq
Nov 17th, 2021
Curo Financial Technologies acquires Heights Finance Corporation for $335M

CURO Group ( CURO ) was unchanged after announcing a definitive deal to acquire consumer finance company Heights Finance for $360 million, comprising $335 million in cash and $25 million in CURO common shares.