Role overview

About Northlake Financial

Northlake Financial team is growing! If you are a committed and collaborative professional looking to contribute to a hard-working, innovative team, this opportunity is for you.

Why Work for us?

Northlake understands the needs of its employees. Northlake Financial is revolutionizing the Canadian automotive finance industry with a full spectrum of dynamic rates and services for dealers. We specialize in the acquisition and servicing of prime and subprime automotive financing contracts. Our employees flourish in an exciting and engaging environment.

Number of Positions Available: 1

Office Location: Barrie, ON (This role does not provide remote or hybrid work).

Purpose of a Collections Agent:

The Collections Agent is responsible for engaging with customers over the phone to support and guide them through the repayment process. This role requires a strong customer service mindset, creative problem-solving, and the ability to work within policy while applying sound judgment. A successful agent will be results-driven, integrity-focused, and able to work independently in a fast-paced, target-oriented environment.

Job Responsibilities of a Collections Agent:

Work with both French & English-speaking customers to prevent delinquency and develop customized repayment solutions
Manage late-stage delinquent accounts by assessing customer situations and negotiating payment arrangements
Initiate contact with past-due customers through approved communication channels
Educate customers by answering questions clearly, professionally, and accurately
Deliver outstanding customer service while meeting or exceeding collection targets and performance metrics
Apply internal policies and procedures to ensure fair and consistent payment recovery practices
Evaluate account risk and escalate accounts for further action when appropriate
Accurately document customer interactions, payment commitments, and account updates within the collections system
Ensure all collection activities remain compliant with regulatory standards and industry best practices
Consistently achieve individual and team collection goals
Support additional collection-related duties as assigned

Requirements of a Collections Agent:

Bilingual in French and English, both written and verbal
Ability to work flexible hours between 7am and 9pm Monday-Saturday
Strong negotiation and communication skills
Ability to manage sensitive conversations with professionalism and empathy
Must be able to work independently as well as be an effective team member
Comfortable working in a performance-driven environment
Excellent organizational and time management skills

Qualifications of a Collections Agent:

High school diploma or equivalent education required
Previous collections, customer service, or financial services experience preferred
Proficiency with computer systems and account management software including

Compensation:

Base Salary starting at $40,000 annually
Competitive Commission Structure with performance-based earning potential
Your Birthday off, paid
Paid wellness days
Comprehensive Benefits Package including health and dental coverage
Employee Assistance Program (EAP) for mental health and wellness support
Employee recognition and rewards platform

Northlake Financial appreciates all interest in this opportunity. We are an equal opportunity employer, and all employment decisions are based on business needs, job requirements, and individual qualifications. We do not discriminate on any grounds protected by applicable federal, provincial, or territorial human rights legislation.

Northlake Financial is committed to providing reasonable accommodation to applicants with disabilities throughout the recruitment process, in accordance with applicable accessibility legislation. Applicants requiring accommodation are encouraged to notify the hiring manager.

Artificial Intelligence (AI) in Recruitment: Northlake Financial may use artificial intelligence (AI) tools to support the screening and evaluation of applications. These tools are used to assist, and not replace, human decision-making.

All applicants must be legally eligible to work in Canada. Proof of eligibility will be required upon hire.

Collections, Auto Finance, Consumer Lending, Delinquency Management, Payment Negotiation, Skip Tracing, Recovery, Subprime Lending, Customer Service, KPI-Driven Environment, Commission Opportunity, Account Resolution, Automotive Finance Industry