Senior Analyst - Credit and Debt Management
Top Benefits
About the role
**Proudly Canadian-owned, Enercare is committed to providing the best services, solutions and advice to make customer’s homes as comfortable as they can be. With Enercare Advantage, we provide affordable clean air and water solutions for homes and workplaces. We are committed to operating in an environmentally responsible way, including keeping as much waste out of landfills as possible, and giving back to the communities where we live and work. Enercare is about putting people first by listening to our customers, continuous improvement and making our organization a destination for building people’s careers.
Come and join one of North America's largest home and commercial services and energy solutions companies! We offer comprehensive benefits, a DC Pension Plan and savings match plan. If you are passionate about joining an organization committed to delivering 5 Star Customer Service, we would love to hear from you.** Role: Senior Analyst, Credit and Debt Management
Status: Regular, Full Time
Reports to: Senior Manager, Credit and Debt Management
Division: Enercare Home Services
Location: Markham, ON
Summary Reporting to Senior Manager, Credit & Debt Management, the Senior Analyst, Credit & Debt Management is a key contributor to the success of Enercare’s credit and collection’s function, supporting both residential and commercial portfolios. This role works closely with the Senior Manager to deliver disciplined credit assessment, proactive collection escalation support, and strategic improvements that help drive operational excellence.
You will leverage experience in commercial credit and collections to assess risk, recommend credit decisions, identify performance gaps, and influence change through data-driven analysis and actionable insights. The successful candidate is a forward-thinker, dynamic professional who is passionate about improving processes, challenging the status quo, and collaborating with cross-functional teams to achieve business objectives. You are a problem solver who thrives in a fast-paced environment, and someone who is excited by the opportunity to contribute to a high-impact, visible function with a growing organization.
Responsibilities
- Perform in depth credit assessments for residential and commercial customers, including reviewing credit bureau reports, financial statements, and risk indicators to support timely, well-informed credit decisions.
- Manage escalated account issues, collaborating with Legal, Sales, Customer Care, and external vendors to resolve complex credit and collection scenarios professionally and in accordance with policy.
- Support and enhance collection efforts by identifying delinquency trends, analyzing root causes, and proposing targeted recovery strategies, within the Commercial and Property Management (PM) segments.
- Proactively identify gaps or inefficiencies in current credit and collection workflows; develop, document, and present improvement opportunities and process enhancements with clear business rationale.
- Recommend and document credit approval strategies that balance risk mitigation with business growth, ensuring alignment with corporate credit policies.
- Collaborate with the Senior Manager to identify and implement credit and collection policies, procedures, and internal controls that improve efficiency, reduce bad debt, and drive accountability.
- Leverage data to generate actional insights, performance reports, and dashboards that inform leadership decision-making; monitor KPIs and contribute to forecasting and risk modelling initiatives.
- Assist in the development and delivery of internal training materials and knowledge sharing to support a consistent and scalable approach to credit adjudication and account management.
- Actively participate in ad-hoc strategic projects and cross-functional initiatives aimed at improving customer experience, operational performance, and overall credit governance.
Qualifications
- Bachelor’s degree in Finance, Business, Economics, or a related discipline.
- 3-5 years of experience in collection, credit and risk management or equivalent in B2C/B2B space preferably in recurring revenue business model
- Proven ability to assess creditworthiness using both qualitative and quantitative data; experienced in analyzing credit bureau reports and financial statements to assess viability
- Vendor management experience in BPO collection services and 3rd party collection agency management
- Strong analytical mindset with proficiency in Excel, experience with Power BI or reporting tools highly desirable
- Demonstrated ability to propose, document, and communicate process improvements, credit strategies, and policy enhancements
- Strong interpersonal and communication skills – dynamic and effective when working with internal and external stakeholders
- High attention to detail and performs work accurately and thoroughly
- Acts ethically and demonstrates conduct conforming to a set of values and accepted standards
- Organized, detail-oriented, and able to manage multiple priorities in a dynamic environment
Enercare is an equal opportunity employer. We are committed to equal employment opportunity regardless of race, colour, ancestry, national origin, religion, sex, age, sexual orientation, gender identity, citizenship, marital status, disability, pregnancy, military status, protected veteran status or other characteristics protected by applicable law. Enercare’s recruitment process includes accommodation for applicants with disabilities in accordance with applicable provincial accessibility laws and regulations. All accommodations will take into account the applicant’s accessibility needs due to disability and are available upon request.
About Enercare Inc.
Enercare Inc. is one of Canada’s largest home and commercial services companies, providing leading products and services in heating, cooling, plumbing, electrical, water heating and water purification. Our purpose is to provide energy-efficient products and services to our customers, so together we can take action for a greener tomorrow, starting in our homes and buildings. We take pride in continually striving to make a positive impact in the communities we operate in.
Enercare is a company that believes strongly in the health, safety and wellness of our people. It’s a place where careers are made. A place where people care about the communities we operate in, and who are inspired everyday by our purpose. In our values and our ambitions, we embrace change, and support our team members along the way.
Nationally, Enercare Inc. operates under several brands including Enercare, Service Experts, HydroSolution, Pioneer Plumbing & Heating, and Syles Mechanical Services, servicing Canadians in Ontario, Manitoba, Saskatchewan, Alberta, British Columbia, Quebec and New Brunswick. We are united through our joint commitment to excellent customer service to the Canadians we service every day, and our mission to contribute to a resilient, sustainable future.
Enercare Inc. Is wholly owned by Brookfield Infrastructure Partners LP (“Brookfield”), a global leader in the management of alternative assets across real estate, infrastructure, renewable power, and private equity.
Senior Analyst - Credit and Debt Management
Top Benefits
About the role
**Proudly Canadian-owned, Enercare is committed to providing the best services, solutions and advice to make customer’s homes as comfortable as they can be. With Enercare Advantage, we provide affordable clean air and water solutions for homes and workplaces. We are committed to operating in an environmentally responsible way, including keeping as much waste out of landfills as possible, and giving back to the communities where we live and work. Enercare is about putting people first by listening to our customers, continuous improvement and making our organization a destination for building people’s careers.
Come and join one of North America's largest home and commercial services and energy solutions companies! We offer comprehensive benefits, a DC Pension Plan and savings match plan. If you are passionate about joining an organization committed to delivering 5 Star Customer Service, we would love to hear from you.** Role: Senior Analyst, Credit and Debt Management
Status: Regular, Full Time
Reports to: Senior Manager, Credit and Debt Management
Division: Enercare Home Services
Location: Markham, ON
Summary Reporting to Senior Manager, Credit & Debt Management, the Senior Analyst, Credit & Debt Management is a key contributor to the success of Enercare’s credit and collection’s function, supporting both residential and commercial portfolios. This role works closely with the Senior Manager to deliver disciplined credit assessment, proactive collection escalation support, and strategic improvements that help drive operational excellence.
You will leverage experience in commercial credit and collections to assess risk, recommend credit decisions, identify performance gaps, and influence change through data-driven analysis and actionable insights. The successful candidate is a forward-thinker, dynamic professional who is passionate about improving processes, challenging the status quo, and collaborating with cross-functional teams to achieve business objectives. You are a problem solver who thrives in a fast-paced environment, and someone who is excited by the opportunity to contribute to a high-impact, visible function with a growing organization.
Responsibilities
- Perform in depth credit assessments for residential and commercial customers, including reviewing credit bureau reports, financial statements, and risk indicators to support timely, well-informed credit decisions.
- Manage escalated account issues, collaborating with Legal, Sales, Customer Care, and external vendors to resolve complex credit and collection scenarios professionally and in accordance with policy.
- Support and enhance collection efforts by identifying delinquency trends, analyzing root causes, and proposing targeted recovery strategies, within the Commercial and Property Management (PM) segments.
- Proactively identify gaps or inefficiencies in current credit and collection workflows; develop, document, and present improvement opportunities and process enhancements with clear business rationale.
- Recommend and document credit approval strategies that balance risk mitigation with business growth, ensuring alignment with corporate credit policies.
- Collaborate with the Senior Manager to identify and implement credit and collection policies, procedures, and internal controls that improve efficiency, reduce bad debt, and drive accountability.
- Leverage data to generate actional insights, performance reports, and dashboards that inform leadership decision-making; monitor KPIs and contribute to forecasting and risk modelling initiatives.
- Assist in the development and delivery of internal training materials and knowledge sharing to support a consistent and scalable approach to credit adjudication and account management.
- Actively participate in ad-hoc strategic projects and cross-functional initiatives aimed at improving customer experience, operational performance, and overall credit governance.
Qualifications
- Bachelor’s degree in Finance, Business, Economics, or a related discipline.
- 3-5 years of experience in collection, credit and risk management or equivalent in B2C/B2B space preferably in recurring revenue business model
- Proven ability to assess creditworthiness using both qualitative and quantitative data; experienced in analyzing credit bureau reports and financial statements to assess viability
- Vendor management experience in BPO collection services and 3rd party collection agency management
- Strong analytical mindset with proficiency in Excel, experience with Power BI or reporting tools highly desirable
- Demonstrated ability to propose, document, and communicate process improvements, credit strategies, and policy enhancements
- Strong interpersonal and communication skills – dynamic and effective when working with internal and external stakeholders
- High attention to detail and performs work accurately and thoroughly
- Acts ethically and demonstrates conduct conforming to a set of values and accepted standards
- Organized, detail-oriented, and able to manage multiple priorities in a dynamic environment
Enercare is an equal opportunity employer. We are committed to equal employment opportunity regardless of race, colour, ancestry, national origin, religion, sex, age, sexual orientation, gender identity, citizenship, marital status, disability, pregnancy, military status, protected veteran status or other characteristics protected by applicable law. Enercare’s recruitment process includes accommodation for applicants with disabilities in accordance with applicable provincial accessibility laws and regulations. All accommodations will take into account the applicant’s accessibility needs due to disability and are available upon request.
About Enercare Inc.
Enercare Inc. is one of Canada’s largest home and commercial services companies, providing leading products and services in heating, cooling, plumbing, electrical, water heating and water purification. Our purpose is to provide energy-efficient products and services to our customers, so together we can take action for a greener tomorrow, starting in our homes and buildings. We take pride in continually striving to make a positive impact in the communities we operate in.
Enercare is a company that believes strongly in the health, safety and wellness of our people. It’s a place where careers are made. A place where people care about the communities we operate in, and who are inspired everyday by our purpose. In our values and our ambitions, we embrace change, and support our team members along the way.
Nationally, Enercare Inc. operates under several brands including Enercare, Service Experts, HydroSolution, Pioneer Plumbing & Heating, and Syles Mechanical Services, servicing Canadians in Ontario, Manitoba, Saskatchewan, Alberta, British Columbia, Quebec and New Brunswick. We are united through our joint commitment to excellent customer service to the Canadians we service every day, and our mission to contribute to a resilient, sustainable future.
Enercare Inc. Is wholly owned by Brookfield Infrastructure Partners LP (“Brookfield”), a global leader in the management of alternative assets across real estate, infrastructure, renewable power, and private equity.