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Encore Capital Group Interview
Questions

27 Questions and Answers by Ryan Brunner

Published April 27th, 2020 | Ryan has over 10 years of experience interviewing
candidates in the healthcare, public service, and private manufacturing/distribution industries.
Question 1 of 27
List the top 3 skills that you have acquired in your last role.
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How to Answer
You have likely gained many valuable skills in your career. Share with the interviewer which skills you value the most. Be sure to include skills that will potentially benefit this potential new employer.
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Top 25 Encore Capital Group Interview Questions with Full Content
1.
List the top 3 skills that you have acquired in your last role.
You have likely gained many valuable skills in your career. Share with the interviewer which skills you value the most. Be sure to include skills that will potentially benefit this potential new employer.

Ryan's Answer #1
"In the past few years I was able to upgrade my education while still working full time. The biggest skill that I gained was my ability to multi-task as I worked the dual role of employee and student. I also have strong skills in a variety of Microsoft programs such as PowerPoint and Excel."
Ryan's Answer #2
"There are many skills I gained in my most recent position as I had a great training program and my boss was a strong mentor. If I had to choose three top skills I would say that the biggest ones were effective multitasking, solid closing skills, and cold calling abilities."
2.
What programming languages would you consider yourself fluent in?
While this question gives your interviewer insight into the diversity of your programming language experience, they most importantly want to know that you are adaptable and able to learn on the fly if needed. Talk about the different languages that you consider yourself fluent in and, if possible, do as much research into Encore Capital Group as you can prior to your interview and try to speak to the specific languages that they work with.

Ryan's Answer #1
"From the start of college, where software engineering grew into a passion for me, I've become very fluent in Java, JavaScript and C++. My current role has me working primarily with C++, but I pride myself on my ability and passion to learn new programming languages and would be able to do so if hired for this role with Encore Capital Group."
Ryan's Answer #2
"During my training to be an engineer and then in my current role since graduating, a majority of my experience falls within Python. My current role delves deeply into artificial intelligence and Python is awesome with this advanced technology. As I understand it from talking to another engineer here at Encore Capital Group, a requirement would be for me to learn Scala. Though I haven't worked directly with Scala, I believe my experience and willingness to learn would have me up and running in no time if hired for this role."
3.
Working on the insurance side of our business here at Encore Capital Group, we'll expect you to be creative in your approach with clients. Give an example of a creative way that you worked with a clients and explain how it benefited everyone in the end.
On the insurance claims or strategy side of the business with Encore Capital Group, utilizing a creative approach to your work will be necessary to show clients that your work can truly benefit them. In your answer, try to use an example that demonstrates outside of the box thinking on your end to give the best service possible to a client that creates a win-win situation for all. Make sure to talk about lessons learned from that example that you can carry forward into this job with Encore Capital Group.

Ryan's Answer #1
"As a property claims adjuster for many years, I quickly learned that I needed to be creative when on the site of a fire or a property damaged by major weather incidents. Just last year, I spent a week covering an area that was ravaged buy a tornado and I utilized drone technology to get photos to be able to assess damage that would've normally put me in pretty great danger. I took the time to learn how to fly the drone and use the video and photographing capabilities built into it and was able to work quickly and efficiently while onsite. This greatly helped me write accurate claims while also speeding up the claim process for our insured clients."
Ryan's Answer #2
"As an advisor who has worked with many clients on their insurance needs, I have many examples of thinking outside of the box when looking at great options for them. Two years ago, I was the trusted financial advisor for a very high profile client. With his children now out of the home and a couple of business flourishing, I helped him create a life insurance policy that would see that his family would be set for life should something bad happen to him. The creative thinking on my part came in relation to how the client had written his will and how we organized his beneficiaries as part of his term life plan. During this process, it was important that I was up to speed on all of his assets so I could help work with him on the best plan possible."
4.
Think back over your career up to today and tell me about the most difficult day on the job you encountered. What made the day difficult and how did you handle that situation?
We've all had our share of difficult days on the job and how we handle those days in particular can really make or break where our careers go in that position or with that company. Think of a particular day ahead of your interview that really outlines your ability to handle adversity and proves that you were able to handle it with grace rather than turning your uniform in and heading home for the day. Another important piece of your answer should be discussing what lessons you learned from that particular day moving forward that you still carry with you to this day.

Ryan's Answer #1
"It's funny that you ask this question because I can honestly say that my worst day on the job happened just a few short weeks ago. Upon arriving to work in the morning, I quickly learned that our entire network was down and we wouldn't be able to work within our CRM or other programs that day. Many of my coworkers were visibly upset and questioning how we would be able to do our jobs that day. Rather than joining the crowd and freaking out about the situation, I huddled our group together to talk about solutions to the workday after we found out that the network likely wouldn't be fully up and running until late afternoon. While some colleagues carelessly went home for the day, I helped brainstorm how we could keep our phone lines open and my boss was very grateful for my efforts that day. Looking back, what made this the most difficult for me was seeing how others responded so negatively over an issue that we had no control over."
Ryan's Answer #2
"Early in my career, I had a day where my entire office came down with the flu and I was left alone with the receptionist for the day. Being trained and working Financial Advisor, my colleagues also handled market analysis, retirement plans and insurance plans. At first, the receptionist and I went about our business. After being flooded with calls and in-person visits into our office, we connected again to talk about a plan moving forward. We discussed what types of calls she could handle and which ones I would handle and she triaged from there. I made contacted with my personal clients I had scheduled that day to reschedule and we worked well from there. If I couldn't answer a question for a client of one my colleagues, I ensured they knew that my colleague would follow up as soon as possible. Looking back, I learned that on days where you have to break routine like we did then that it was important to make a plan as early in the day as possible."
5.
If hired to this role here at Encore Capital Group, what do you see as one initial hurdle you will have to overcome in your first weeks on the job?
At the heart of this question, your interviewer is asking you to take an honest look inside of yourself to discuss what you feel is the biggest learning curve you will have if offered this position. This will give your interviewer a sense of how to handle your onboarding process if hired for the position and give them a sense that you have the ability to see what your biggest need would be. Similar to the what is your greatest weakness question, the key to answering this question is humbly pointing out a flaw that you may see and making a plan for how you will overcome that flaw.

Ryan's Answer #1
"Having put a lot of thought into this even before submitting my resume for this position, I realize that my greatest hurdle would be making the leap as an Auditor into the financial focused industry. My five years of experience out of college have been focused on management and technical consulting services, but I feel that I've built a very good knowledge base and experience for this role here at Encore Capital Group. If given the opportunity to join your team, my initial focus would be to get enthralled in auditing in the financial industry and I'd do this by being attached at the hip to my colleagues and taking the time to talk one on one with a lot of other staff to help better understand what they'll expect of me in this role."
Ryan's Answer #2
"Understanding that my role here at Encore Capital Group would have me working with the entire advisory staff, the first hurdle would be getting to know everyone on that team and showcasing the skills that I could bring to their work. If hired for the job, I would hope to be invited to team meetings where I could introduce myself and my role with the team and I'd invite an open conversation with the entire team."
6.
What do you feel is one of the top issues that is faced by data engineers today?
Being in the midst of the greatest technological revolution in the history of man, data engineers face many difficult issues in the work that they perform on a daily basis. While there are many directions that you can go with this question, be sure to focus your answer on something that you can speak passionately about. If you can research a common issue in the industry that Encore Capital Group works in, you may likely score some bonus points with your interviewer.

Ryan's Answer #1
"Over the past couple of years, I've come to realize that one of the largest issues we face as data engineers is the large amounts of data that are needed to store and then draw information from. Here at Encore Capital Group, I can only imagine how big of an issue that is in the healthcare industry. I have a lot of experience with cloud based data storage and also server based storage."
Ryan's Answer #2
"In my recent experiences, continuous, real-time integration is an issue that we will face each and every day moving forward. The need for fast paced information is certainly to blame for this. To stay on top of the continuous integration landscape, I am happy to hear that new and improved systems are being created to stay more real-time and up to the minute. Here at Encore Capital Group and working in the financial industry, how have you seen this need for real-time data impact your products?"
7.
We pride ourselves on teamwork here at Encore Capital Group and this role in Client Services relies on teamwork. What are the top qualities would you would bring to a team based atmosphere here?
At the heart of this question falls your interviewers need to determine how well you will work with others on the team at Encore Capital Group. You will be working with high level advisors and managers that are under a lot of pressure to perform in their jobs and your communications with them will either alleviate some of that stress or add to it. To ensure that your interviewer walks away from your conversation knowing that you are a team player that keeps the end goals of the company in mind, focus your answer on your effective communication skills, your knowledge of everyone's role on the team and your knowledge of what your role on the team will be.

Ryan's Answer #1
"As with any team that I have worked on in the past, my priority is knowing that everyone has an important piece in the overall success of the team. In customer service, this is knowing who to contact with the right questions and who to guide customers to when needed. This ensures that our work is done efficiently on our end of things and that our customers are handled efficiently and effectively. If hired here at Encore Capital Group, my first goal would be to get to know everyone on the team that I would work with, what their roles are and how to best communicate with them."
Ryan's Answer #2
"My top quality is my ability to communicate, both verbally and through writing. I have excellent interpersonal speaking and listening skills and my past colleagues have always appreciated this. Here at Encore Capital Group, your clients would appreciate this in my work as well. I am a very efficient and effective written communicator as well and this would be very beneficial at a company like Encore Capital Group, where your offices are spread throughout the country and I can imagine that email communication is vitally important."
8.
Which accounting platforms are you familiar working with?
Coming to work for Encore Capital Group as an accountant, your interviewer is looking to hear how fluent you are in working on the technical side of the job. Talk about your experience in working with some of the many accounting programs. No matter which programs you are familiar working with, make sure that your interviewer has the clear understanding that your readily adaptable to working on any program and that you understand the importance these platforms play in your work.

Ryan's Answer #1
"As you can see from my resume, my experience over the past 15 years has placed me in a few different industries. With each industry has come experience working with many accounting software programs. I have worked in Infor, QuickBooks, Net Suite and Patriot Accounting over the last five years alone. While they all have their features and benefits that are catered to each industry, I've found myself able to learn systems proficiently and adapt my work to the needs of the systems. If hired here at Encore Capital Group, you can rest assured knowing that I would pick up any systems with ease."
Ryan's Answer #2
"In my current role, I work exclusively with SBS Financials Suite. I love its ability to custom create reports that are reusable over time and adaptable to be able to use with different internal customers. I also love the budgeting and electronic invoice approval features of this system. In knowing other systems like Workday and QuickBooks, I am confident in my ability to pick-up and work on just about any system quickly and efficiently."
9.
How do you stay on top of new trends in the financial services industry?
The interviewer would like to know that your passion for financial services goes beyond your work hours. Do you keep on top of industry news and trends on your off time? Assure the interviewer that you are well immersed in the industry.

Ryan's Answer #1
"I stay on top of financial service trends through a variety of blogs, news sites and financial magazines. My favorite finance news site at the moment is businessinsider.com."
Ryan's Answer #2
"I believe that it is crucial for me to stay on top of news in the financial services industry if I hope to be a success. I have joined multiple meet up groups to network with industry peers. It has really helped my network and given me insight into how other financial service professionals are making their careers flourish."
10.
One huge philosophy that we believe in at Encore Capital Group is professional development. How have you worked to develop yourself professionally throughout your career?
In an ever-changing field like financial services, Encore Capital Group knows that professional growth and development is vital to them staying at the forefront of their industry. For this question, your interviewer is looking to ensure that your values surrounding professional development match the values of the company. Use this question as an opportunity for you to highlight the many ways that you grow and develop yourself to be the best that you can be in your career. Highlight any continuing education you have completed, any societies or groups that you belong to and any publications that you read on a regular basis that will prove to your interviewer that you aren't comfortable being stagnant in your career.

Ryan's Answer #1
"I am a firm believer in being a life long learner in my work as a Data Analyst. As technology and times have changed over the course of time, I see it as very important to be learning and changing along with the times. Just over the past two years, the Data Fest and Data Summit national conferences and participation in these events on a yearly basis is super important to me to help me grow and develop."
Ryan's Answer #2
"In the financial field, I have to stay at the top of my game to compete with other advisors and keep clients happy and flourishing. To do this, I subscribe to and read many of the great publications that are out there. Some of my favorites include the Wall Street Journal, Money magazine and Forbes. I also subscribe to many others. As well, I am a member of NAIFA and I have attended the organization's Congressional Conference on a few occasions."
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