Senior Representative, Specialized Collections

Are you an experienced collection officer with prior experience working with high-risk accounts?

Are you passionate about the automotive financing industry?

Are you well versed with provincial regulations?

Do you want to work with a company that loves to promote from within?

If this sounds like you, we would love to hear from you!!

WHO WE ARE:

Eden Park Inc. (“Eden is a dynamic automobile finance brand committed to enabling our dealer partners to sell more cars. Since 2012, Eden has serviced a wide network of automobile dealers and tens of thousands of consumers from coast to coast. Eden is a wholly-owned subsidiary of Fairstone Financial Inc., which is a subsidiary of Fairstone Bank of Canada (“Fairstone Bank”). Collectively, Fairstone Bank and its subsidiaries offer credit cards and rewards programs, point-of-sale financing through merchant partners, and unsecured and secured personal loans and mortgages. Learn more at EdenParkCanada.com.

WE CARE ABOUT OUR EMPLOYEES WELL-BEING, WHAT WE OFFER :

• Professional Development : Paid coaching Training, paid eLearning courses (Fairstone University) an opportunity to build your customer service, sales, leadership skills and furthermore
• $2000 to $5000 Employee Referral Program
• Employee Discounts ; Phone plans, gym membership and many retailer discounts
• Up to $3000 on Education Support
• Base salary, with multiple incentives to give you an overall comprehensive compensation!
• Reward program with the opportunity to collect points for travel or goods!
• We offer 3 weeks of vacation, additional 6 days to use at your convenience () in addition to financial statutory holidays.
• PENSION up to 6% Contribution program as follow: 3% company donation, and up to 3% more to match your contribution.
• Comprehensive benefit package; adjustable to your needs (with access to virtual healthcare)

OUR VALUES:

• One Team Mindset

• Respect, Trust, and Integrity

• Service Obsessed

• Continuous Improvement

A regular day for you will include:

• Provide excellent service while ensuring exceptional results in the collection of financial loans.

• Contact past due customers through the appropriate channeling methods, request and negotiate payment arrangements within authorized limits, and send correspondence to collection customers.

• Use company-specific policies and procedures to maintain and coordinate firm payment recovery.

• Assess and mitigate risk by referring accounts for further action.

• Document all call activity details in the Collections system to reflect any action taken, e.g., commitments to pay and/or amounts and dates agreed upon.

• Achieve individual collection targets to meet Department and Company-wide goals.

• Complete other collection responsibilities, as assigned.

Must haves!

• Advanced Negotiation Skills: Demonstrated expertise in advanced negotiation tactics, showcasing the ability to navigate challenging financial scenarios and secure favorable outcomes while maintaining customer relationships.
• Legal and Regulatory Knowledge: Comprehensive understanding and practical application of federal and state laws governing debt collection practices, ensuring adherence to compliance standards and ethical guidelines.
• Adaptability and Resilience: Ability to adapt to changing market conditions, handle high-pressure situations, and remain resilient while working towards achieving collection targets in a dynamic and demanding environment.
• Industry Expertise: In-depth knowledge and at least 3 years of hands-on experience in auto financing, specializing in managing high-risk accounts within the industry, including familiarity with sub-prime consumers and associated challenges.
• Skip Tracing Expertise: Daily experience and proficiency in skip tracing techniques using 411, social media platforms, and credit bureau resources to locate customers.

Extra- awesome to have!

• Post-secondary education in Business Administration

• You have demonstrated work experience with sub-prime consumers

• You speak French

Working condition :

• You have flexible availability to work. Working hours can range anywhere between 9 AM to 9 PM EST Monday to Friday with alternating Saturday shifts; schedules are completed a month in advance and shifts are rotating.: 8:30 am-5:00 pm, 9:30 am-6:00 pm, 12:30-9:00 pm, and two Saturdays a month.

• Hybrid (three days in the office)

WE ARE PROUD TO BE: Montreal's Top Employers 2024 by Canada’s Top 100 Employers!

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