Commercial Collections Associate

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🇨🇦 Canada – Remote

💵 $60k - $80k / year

⏰ Full Time

🟢 Junior

🟡 Mid-level

📞 Collections

🚫👨‍🎓 No degree required

👻 Ghost score 0%

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Merchant Growth

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2009

💳 Fintech

💸 Finance

🤝 B2B

💰 $3.3M Series A - Merchant Growth on 2021-10

Fintech • Finance • B2B

Merchant Growth is a Canadian fintech lender that provides fast, flexible financing solutions for small businesses, including term financing, lines of credit, e-commerce financing, buy now pay later (B2B BNPL), and merchant cash advance-style products. The company offers online applications, quick reviews, and funding in as fast as a few hours, and serves merchants across Canada with tailored capital up to $800,000 depending on product. Merchant Growth also operates a merchants’ marketplace connecting clients to business tools and resources.

📋 Description

• Initiate contact with commercial clients to negotiate payment terms and arrangements for outstanding debts • Monitor and follow up on overdue accounts via phone calls, emails, and letters • Document collection activities accurately and update customer records • Analyze client payment history and financial status to determine collection strategies • Perform skip tracing when businesses, principals, or guarantors cannot be reached • Verify and update contact details, business addresses, operating status, and ownership information • Identify changes in business status, including closures, relocations, name changes, ownership changes, and successor businesses • Conduct federal and provincial corporate registry searches • Review application, underwriting, and payment data for contact, banking, and business activity leads • Conduct skip tracing in compliance with privacy legislation and company policy • Document sources searched, information obtained, and contact attempts • Escalate unlocated accounts for external skip tracing, investigation, or recovery placement • Build and maintain positive commercial client relationships • Address client inquiries and resolve billing and payment disputes • Provide prompt customer service • Prepare regular updates on collection activities, account status, skip tracing efforts, and collection progress • Collaborate with the Support Team to analyze payment trends and improve collections • Ensure compliance with debt collection policies and legal regulations • Maintain accurate records of collection activities and communications • Keep current with industry best practices and regulatory changes

🎯 Requirements

• Bachelor's degree in Business Administration, Finance, Accounting, or a related field preferred • Minimum 2 years of experience in commercial collections or accounts receivable management • Experience with skip tracing tools and techniques, including credit bureau, corporate registry, and public record searches, is an asset • Working knowledge of Canadian privacy requirements, including PIPEDA, as they apply to collections and skip tracing, is an asset • Resourceful, investigative mindset with persistence to locate hard-to-reach accounts • Strong negotiation and problem-solving skills • Excellent verbal and written communication skills • French language fluency is an asset • Ability to work independently and prioritize tasks effectively • If based outside Pacific time, willingness to work later shifts as needed, typically 3 to 4 days per month • Attention to detail and accuracy in record-keeping

🏖️ Benefits

• Monthly performance bonus tied to collection results • Comprehensive group health benefits: Life, AD&D, Extended Health & Dental, and Travel Insurance • Remote-first work with an option to work in office • Company-wide monthly Lunch and Learns and team events • Education and learning benefits • Collaborative team environment