Bilingual Senior Collections Associate

Job summary

Manage complex collection accounts and negotiate payment plans for a national clientele in both French and English. Provide mentorship to junior staff and perform credit analysis and portfolio monitoring to reduce bad debt.

Job details

Bilingual Senior Collections Associate (Francophone-First) Location Montreal, Quebec Job Type On-site - Full-Time Schedule This position operates on a rotating shift schedule Must have flexibility with their working hours Some weeks may follow a standard Monday–Friday, 9:00 AM–5:00 PM schedule Other rotations may include later shifts, with hours extending up to 9:00 PM Weekend availability is required on a rotating basis Saturday: 10:00 AM–6:00 PM Sunday: 12:00 PM–5:00 PM Important: All late/evening shifts and weekend shifts can be worked remotely from home. Compensation Up to $70,000 base salary + up to 10% bonus Perks: Comprehensive medical and dental benefits 80% of the benefit premiums are paid by company Benefits become effective after 3 months of employment 3 weeks of vacation Company Overview Our client is a Canadian financial services company that provides consumer financing for home improvements. About the Role We are seeking a high-performing, energetic individual to join our Montreal team as a Bilingual Senior Collections Associate. Because this role serves both a predominantly Francophone market in Quebec and customers across the rest of Canada, impeccable French communication skills are the primary requirement, supported by a strong professional proficiency in English to assist our wider national base. In this senior role, you’ll manage complex collection accounts, guide resolution strategies, and support junior team members, all while delivering a respectful and customer-first collections experience in both languages. You will report to the Credit and Collections Manager and work closely with all members of the team and other key stakeholders to help grow the business. We deeply value our team’s health and well-being, and as a full-time employee, you will be rewarded with an extensive benefits package. Responsibilities Bilingual Customer Engagement: Conduct outbound and inbound collection calls, negotiating payment plans and resolving delinquencies for customers across Canada, prioritizing French-language interactions alongside English. Escalation Management: Manage escalated and high-risk accounts with professionalism, empathy, and cultural nuance. Mentorship: Support junior team members with guidance and training on complex cases and bilingual communication strategies. Documentation: Document all customer interactions and account updates clearly and accurately in our system. Credit Analysis: Evaluate and decision consumer and credit applications. Reporting: Prepare credit templates and memos, including presenting recommendations to senior management. Portfolio Monitoring: Monitor loan payments and bad debts at both the contract and portfolio levels. Cross-functional Collaboration: Work with internal teams to ensure timely, customer-friendly resolutions, identify process improvements, and contribute to continuous team development. Ad-hoc Duties: Assist with related tasks and special assignments as requested. Qualifications & Requirements Fully bilingual in French and English (verbal and written) required. Bachelor's degree or higher in a relevant discipline. Experience: 5+ years of experience in collections or credit management, preferably within financial services. Extensive consumer collections experience is essential. Strong experience managing the full collections cycle, including early-stage, late-stage, escalated accounts and recoveries. The successful candidate should be a collections-focused professional; collections experience is more important than credit analysis or credit decisioning experience. Previous experience within financial services is preferred, particularly: Fintech Banking Automotive finance/auto industry Technical Competence: Demonstrable expertise in collections, credit decisioning, and data analysis. Excellent interpersonal, verbal, and written communication skills tailored to a diverse, national clientele. Strong negotiation, problem-solving skills, high initiative, ownership, and strict attention to detail.

What you’ll do

Manage complex collection accounts and negotiate payment plans for a national clientele in both French and English. Provide mentorship to junior staff and perform credit analysis and portfolio monitoring to reduce bad debt.

Requirements

Requires full bilingual proficiency in French and English and a bachelor's degree or higher. Candidates must have over 5 years of experience in consumer collections, preferably within the financial services or fintech sectors.

Benefits

• Medical benefits • Dental benefits • Vacation

Listed skills

• Customer service · Preferred
• Problem solving · Preferred
• Mentorship · Preferred
• Data analysis · Preferred
• Negotiation · Preferred
• Bilingual communication · Preferred

Other relevant skills

Identified from the job description. Confirm important requirements above.

• Bilingual Communication
• Debt Collection
• Credit Analysis
• Negotiation
• Escalation Management
• Mentorship
• Portfolio Monitoring
• Financial Services
• Customer Service
• Problem Solving
• Data Analysis
• Credit Decisioning

Job areas

• Finance & Accounting
• Customer Service & Support