Pros: insurance, vacation, personal days, sick days
Cons: poor management oversight, favoritism, long hours, chinese overtime
You work many 6 days weeks, two automatically working two 12 hour days, and you get paid chinese overtime (you get paid less the more you work) so they can make you work as they please. Managers play favorites and put more work on some employees and let the lazy ones slip on by. You are expected to basically harass people at their homes, work, their neighbors, etc, that are behind on payments and you look bad if you don't get a certain percentage to come in to speak to the manager. Nevermind the fact that some people work normal hours and are never home...because they work when you work. You cannot take vacation the last two months of the year and automatically work 6 days a week during that time. You must take vacation all in one week, not days here or there. There are a TON of days you cannot take off period.
Employees are treated unfairly. There is no system for warnings, write-ups, and suspensions like any other place I've worked. Upper management (regional level) are allowed to play favoritism, hire their best friends, and lie to get rid of hard working employees so their friends can stay when loan volume is low. This lack of accountability for upper management and lack of grievance protocol for employees means they'll fire you as they please as soon as they find a lie to get by because there is no way to fight it.
I would not recommend working for this company if you want a legitimate company that values their employees, not just their bottom line.