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! Learn more: