The CanCap Group (“CanCap”) is a privately-owned Canadian Financial Services company with multiple verticals across automotive, consumer, and merchant lending portfolios. We manage the entire lifecycle of the finance receivable from credit adjudication through to post-charge-off recoveries.

Role Objective: Operational Efficiency & Cost-Effective Litigation

Reporting to the VP of Collections, this Paralegal role is pivotal in ensuring the smooth and fiscally responsible operation of the legal recoveries function. The primary focus is on executing cost-effective legal action and maintaining highly efficient file management, specifically targeting post-charge-off execution on auto finance loans. This role is essential in helping the company navigate the complex legal landscape of non-prime auto lending while minimizing legal spend and maximizing procedural accuracy.

Detailed Responsibilities

The successful candidate will support the organization in legal research, document preparation, and ensuring adherence to recovery timelines. Responsibilities include:

• Post-Charge-Off Execution: Drive the legal recovery process for deficiency balances on auto finance loans following vehicle liquidation.
• Efficient File Lifecycle Management: Prepare documentation to assign files to legal and track all active claims to ensure timely, cost-effective follow-up.
• Streamlined Documentation: Draft Notices of Claim and Applications for Default Judgment with a focus on accuracy to reduce court delays and administrative friction.
• Pre-Litigation Resolution: Draft formal demand letters and negotiate with clients to reach satisfactory settlements before escalating external legal costs.
• Legal Representation: Represent CanCap Management in court proceedings (in person and via Zoom), including the execution of affidavits in support of Default Judgment motions.
• Enforcement Execution: Facilitate the issuance of Garnishments and Writs of Seizure and Sale to ensure the successful recovery of outstanding judgments.
• Dispute & Escalation Management: Act as the professional legal point of contact for resolving complex customer or dealer escalations, ensuring mediated resolutions that protect the firm’s interests.
• Process Optimization: Create and maintain process documentation to ensure scalable, efficient internal workflows.
• Professional Correspondence: Draft formal correspondence to courts or opposing counsel to ensure clear, high-standard professional communication.

What You Bring

• Experience: Two (2) to five (5) years of experience working as a paralegal.
• Sector Expertise: Experience in legal collections is preferred; specific experience in the auto lending sector is a significant asset.
• Technical Knowledge: Familiarity with Canadian Collections Laws and Regulations regarding allowable and prohibited practices.
• RSLA Proficiency: Excellent knowledge of the Repair and Storage Liens Act (RSLA) is considered a major asset for managing automotive asset recovery and dealer-related legalities.
• Analytical Thinking: Confident at problem-solving and common-sense decision-making to determine the most cost-effective path for file resolution.
• Operational Discipline: Ability to juggle competing priorities with a sense of urgency while remaining calm under pressure.
• Communicati**on:**Fluent ability to communicate business and legal information professionally in English.

What you can expect from us

Our Employee Experience is aimed at supporting and inspiring our talented team through:

• A passionate team dedicated to the support and empowerment of others.

• An environment where creative, innovative thinking is encouraged.

• Regular touch points geared to assist in your success in this role

Additional Information

• Location: This role is based at our Mississauga location.
• Work Model: This is currently a hybrid role, working both in-office and from home based on the schedule provided by management.
• Environment: We offer an environment where creative, innovative thinking is encouraged and regular touchpoints are provided to assist in your success.

Next Steps

Adding to our team is one of the important steps that happens in our business. We’ve taken time to be purposeful and thoughtful with this job posting. Please take time to do the same with your application. Help us understand how you see your work experience as relatable to this job posting. Help us understand how you would be a great addition to our team.

Diversity and Inclusion

CanCap Group is an equal opportunity employer and values diversity. We are committed to building and evolving a team reflecting a variety of backgrounds, perspectives, and skills.

Thank you to all interested applicants. Only candidates who possess the experience, skills, and qualifications outlined above will be contacted for next steps in the hiring process.