Bilingual Consumer Credit Representative

Stanley Black and Decker Inc.; Southwestern Ontario; Hybrid; CAD 50,000 - 60,000; Full time

Benefits offered by this job

Company laptop

Job summary

Stanley Black & Decker in Ontario, Canada is seeking a Bilingual Consumer Credit Representative to join our Global Credit and Collections team. The role supports consumer credit processing, billing, and collections within a hybrid work model.

You will review credit applications, assess creditworthiness, communicate decisions to dealers, and maintain precise records. This position values bilingual English/French communication and collaboration with cross‑functional teams.

Qualifications

• 1–3 years experience in customer service, accounts receivable, or consumer lending/collections.
• Proficiency in MS Office, especially Excel and Outlook.
• Strong written and verbal communication in English and French.

Responsibilities

• Review and process consumer credit applications for completeness and accuracy.
• Assess creditworthiness using credit bureau reports and banking information.
• Communicate credit decisions to dealers with approvals, refusals, and terms.
• Verify contracts and supporting documentation before funding.
• Maintain accurate customer, contract and account records throughout the lifecycle.
• Administer billing, EFT setup, card payments and adjustments.
• Perform month‑end closing activities and generate reports.

Skills

Customer service

Accounts receivable

Bilingual EN/FR

MS Office

Education

Credit Basic Certificate

Tools

MS Office (Excel, Outlook)

Job description

Waterloo, Ontario, Canada

Full time

REQ-1000052722

Build Your Career With Us

The What

As a Bilingual Consumer Credit Representative , you will be part of a dedicated team based in Ontario and reporting to the Director, Global Credit and Collections .

If you enjoy building strong relationships, contributing to meaningful work, and making a real impact, join us to build a career where you can thrive and Make A Difference For Those Who Make The World™.

What You Get

• Competitive compensation , with an anticipated annual base salary of $50,000–$60,000, based on your experience, skills, qualifications, and market location.

• A hybrid work environment , with in-office and remote work determined by business needs and role requirements.

• Comprehensive benefits package designed to support the health, well-being, and financial future for you and your family.

• The tools you need to succeed , including a company laptop.

• A supportive and collaborative team where your ideas are valued and you can bring your best self to work every day.

• Career growth opportunities as part of a Fortune 200 company, with the chance to learn, grow, and advance your career.

• An Employee Product Purchase Program with exclusive discounts on our products, including DEWALT®, CRAFTSMAN®, CUB CADET®, STANLEY® and BLACK+DECKER brands.

• Employee perks including discounted company stock options, GoodLife Fitness discounts, safety shoes reimbursement, and many more exclusive offers.

The Why

It takes great people to achieve greatness. People with a sense of purpose and integrity. People with a relentless pursuit of excellence. People who care about making things better For Those Who Make The World™. Sound like you? Join our top-notch team of nearly 48,000 professionals globally who are making their mark on some of the world’s most beloved brands, including DEWALT®, CRAFTSMAN®, CUB CADET®, STANLEY® and BLACK+DECKER.

What You Will Get To Do

• Review and process consumer credit applications, including verification of electronically submitted and manually entered applications for completeness and accuracy.

• Assess creditworthiness using credit bureau reports, banking information, and other relevant sources to determine application approval or decline in accordance with established policies and service standards.

• Communicate credit decisions and related information to dealers, including approvals, refusals, authorization numbers, repayment options, and contract requirements.

• Verify legal contracts and supporting documentation for accuracy, completeness, and required signatures prior to system entry and funding.

• Maintain accurate customer, contract, and account records throughout the full contract lifecycle.

• Administer billing and payment activities, including the setup and maintenance of Electronic Funds Transfer (EFT), processing of credit card payments, cheque deposits, returned payments, and related account adjustments.

• Reconcile invoices, statements, and account records on a regular basis to ensure financial accuracy and completeness.

• Prepare and distribute customer statements and correspondence, including notices related to rejected payments, account status, and collection activity.

• Manage delinquent accounts by initiating collections activity, issuing collection letters, and coordinating payment arrangements with customers as appropriate.

• Respond to dealer and customer inquiries regarding account balances, payment arrangements, statements, contract status, and related finance matters

• Coordinate dealer funding activities, including the processing of direct deposits for approved contracts.

• Perform month-end closing activities, generate required reports, and provide backup support for related financial closing processes.

• Maintain and update departmental procedures, financing programs, and related portal information to support operational effectiveness.

• Organize and maintain physical and electronic records in accordance with established retention and filing procedures.

• Perform other related duties as assigned.

Who You Are

• 1-3 years experience in customer service, accounts receivable, or consumer lending/collections

• Experience with payment processing, account reconciliation, or collections is considered an asset

• Strong organizational skills with exceptional attention to detail

• Proficiency in MS Office, particularly Excel and Outlook

• Strong written and oral verbal and written communication skills in both English and French

• Ability to manage multiple priorities, prioritize tasks and meet deadlines

• Demonstrated problem-solving and reasoning skills, with the ability to address practical issues involving multiple variables and limited standardization

• Ability to travel to our Kitchener, Ontario facility as needed

• Credit Basic Certificate from the Credit Institute of Canada preferred

What’s more, you’ll get that pride that comes from empowering makers, doers, protectors and everyday heroes all over the world. We’re more than the #1 tools company. More than a driving force in outdoor power equipment. More than a global leader in industrial. We’re visionaries and innovators. As successful as we’ve been in the past, we have so much further to go. That’s where you come in. Join us!

This job posting is for an existing vacancy within our organization.

Stanley Black & Decker believes in giving each and every applicant an equal opportunity to succeed on their own merit. We strive to hire employees that reflect and support the diverse perspectives, experiences, and needs of employees and our communities including but not limited to race, national or ethnic origin, colour, religion, age, sex, sexual orientation, gender identity or expression, marital status, family status, genetic characteristics, and disability. We remain committed to upholding the values of equity, diversity, and inclusion in our work environments. We know that diversity underpins excellence, and that we all share responsibility for creating an equitable, diverse, and inclusive organization. Therefore, in pursuit of our values, we seek employees who will work respectfully and constructively with differences across the organizational hierarchy in actualizing SBD’s priorities, goals, and principles of equity and inclusivity. If accommodation is required at any point in the recruitment process, please contact a member of our Recruitment Team. Please note that as part of our recruitment process, candidates in the final stages will be required to complete a background check which may include a criminal background, credit and drivers abstract check.

We Don’t Just Build The World, We Build Innovative Technology Too.

Joining the Stanley Black & Decker team means working in an innovative, tech-driven and highly collaborative team environment supported by over 43,500 professionals in 60 countries across the globe. Here, you’ll get the unique chance to impact some of the world’s most iconic brands including STANLEY TOOLS, DEWALT, CRAFTSMAN, MAC TOOLS and Black + Decker. Your ideas and solutions have the potential to reach millions of customers as we work together to write the next chapter in our history. Come build with us and take your career to new heights.

Who We Are

We’re the World’s largest tool company. We’re industry visionaries. We’re solving problems and advancing the manufacturing trade through innovative technology and our Industry 4.0 Initiative. We are committed to ensuring our state-of-the-art “smart factory” products and services provide greater quality to our customers & greater environmental and social value to our planet. We are unique in that we have a rich and storied history dating back to 1843, but that hasn't stopped us from evolving into a vibrant, diverse, global growth company.

Global Benefits & Perks

You’ll be rewarded with a competitive salary plus receive entitlements and benefits unique to your country of hire.

What You’ll Also Get

Career Opportunity: Career paths aren’t linear here. Being part of our global company with 60+ brands gives you the chance to grow and develop your skills along multiple career paths.

Learning & Development:

Our lifelong learning philosophy means you’ll have access to a wealth of state-of-the-art learning resources, including our Lean Academy and online university (where you can get certificates and specializations from renowned colleges and universities).

Diverse & Inclusive Culture:

We pride ourselves on being an awesome place to work. We respect and embrace differences because that’s how the best work gets done. You’ll find we like to have fun here, too.

Purpose-Driven Company:

You’ll help us continue to make positive changes in the local communities where we work and live as well as in the broader world through volunteerism, giving back and sustainable business practices.

For the builders and protectors, for the makers and explorers, for those shaping and reshaping our world through hard work and inspiration, Stanley Black & Decker provides the tools and innovative solutions you can trust to get the job done—and we have since 1843.