Legal Qualification

Listing expiry: 20 October 2026

About the role

Role Overview

The role supports post-charge-off accounts through the litigation process, including litigation eligibility reviews, attorney vendor coordination, legal workflow monitoring, judgment activity, settlements, and account recalls. It also involves reviewing sensitive account conditions, ensuring compliance with applicable legal and regulatory requirements, maintaining records, supporting quality control, and escalating complex issues.

Key Responsibilities

• Identify accounts eligible for legal placement using litigation criteria maintained by the Technology Reporting and Analytics team.
• Review exclusion criteria, including bankruptcy, Servicemembers Civil Relief Act (SCRA) protections, statutes of limitations, consumer disputes, fraud, and other flagged issues.
• Review accounts flagged as litigation eligible in the Computer Assisted Collections System (CACS), removing ineligible accounts and assigning eligible accounts for litigation.
• Ensure required Right to Cure letters are addressed before litigation in applicable states: Iowa, Kansas, Wisconsin, South Carolina, Maine, Missouri, and Nebraska. These requirements do not apply to small-business accounts.
• Place eligible accounts with attorney vendors and provide required documentation, including statements, agreements, and applications.
• Monitor the legal process, including initial demand letters, lawsuits, affidavits, court actions, judgments, and post-judgment remedies.
• Monitor and validate the accuracy of key legal milestones and legal documents.
• Apply special handling procedures for bankruptcy, SCRA matters, complaints, credit bureau disputes, fraud, cease-and-desist requests, and deceased account holders.
• Coordinate settlements before litigation, during litigation, or after judgment, and recall accounts from attorney vendors when appropriate.
• Reconcile payments between the bank and attorney vendors on a monthly basis.
• Maintain accurate documentation and records, perform quality assurance and control checks, and escalate complex cases when needed.
• Analyze delinquent and charged-off accounts, identify risks, document decisions, and resolve issues in accordance with applicable requirements and internal policies.

Qualifications & Experience

• High school diploma or equivalent.
• Typically four or more years of clerical and customer service experience; the posting also specifies 4+ relevant years of experience.
• Thorough knowledge of products, services, terminology, procedures, and systems related to the assigned area.
• Strong customer service skills.
• Ability to manage multiple projects and deadlines while maintaining a high level of customer service.
• Ability to independently identify and resolve complex problems.
• Proficiency navigating computer systems and using software packages, including Microsoft Office applications.
• Effective verbal and written communication skills.
• Strong attention to detail, critical thinking, judgment, risk identification, and documentation skills.

Additional Details

• The role involves document processing and recordkeeping associated with customer accounts, including entering new account information, updating existing information, recording transactions, classifying and summarising documents, preparing reports, and providing administrative support.
• The position may include answering customer inquiries, resolving customer problems, and responding to requests for information.
• Shift timing: 6:30 p.m. to 3:30 a.m. IST.
• Disability accommodations are available during the application or hiring process.
• The posting may close earlier due to a high volume of applicants.
• The posting identifies the employer as U.S. Bancorp India, part of the U.S. Bank family.