Bilingual Senior Credit Analyst

Accountivity; Golden Horseshoe; Hybrid; CAD 75,000 - 85,000; Full time

Job summary

Accountivity is seeking a Bilingual Senior Credit Analyst to join our York Region team in Ontario. This permanent, hybrid role focuses on managing high-risk delinquent accounts, performing risk assessment, and delivering effective recovery strategies.

The successful candidate will communicate in English and French, assess complex financial situations, collaborate with stakeholders, and maintain accurate CRM documentation while driving process improvements.

Qualifications

• Bilingual in English and French (written and verbal communication preferred).
• Over 3 years of experience in collections, recoveries, financial services, or automotive finance.
• Post-secondary diploma or degree.
• Strong communication, negotiation, conflict-resolution, and decision-making abilities.
• Proven ability to assess risk, analyze complex situations, and recommend effective solutions.
• Highly organized with the ability to manage multiple priorities in a fast-paced environment.
• Results-driven with a strong sense of accountability and ownership.
• Collaborative team player with a focus on knowledge sharing and continuous improvement.
• Experienced in managing high-volume workloads while maintaining exceptional attention to detail.
• Self-motivated and capable of working independently.
• Proficient in Microsoft Office Suite, CRM platforms, and account management systems

Responsibilities

• Managed and resolved high-risk, complex delinquent accounts, including repossessions, fraud investigations, bankruptcies, consumer proposals, deceased estates, and insurance recoveries.
• Handled inbound and outbound customer communications to negotiate repayment arrangements, resolve account delinquencies, and deliver exceptional customer service.
• Maintained assigned portfolios through effective account management, consistent follow-up, and accurate account maintenance.
• Assessed risk exposure and implemented resolution strategies in compliance with established policies and provincial legal requirements.
• Ensured thorough and accurate documentation of collection activities within CRM and account management systems.
• Analyzed account profiles and financial circumstances to determine appropriate recovery strategies and recommendations.
• Utilized collection, skip-tracing, and investigative tools to minimize delinquencies, repossessions, and financial losses.
• Collaborated with legal counsel, bailiffs, dealerships, insurers, and auction partners to resolve complex delinquent accounts.
• Escalated sensitive and high-risk matters to leadership and provided recommendations for appropriate action.
• Exercised sound judgment in determining and assigning accounts for repossession.
• Managed escalated and cancelled insurance-related accounts, ensuring timely resolution and recovery.
• Processed charge-offs in accordance with internal guidelines and regulatory requirements.
• Contributed to operational improvements by providing insights for reporting, dashboards, process enhancements, and project initiatives.
• Mentored and supported team members through knowledge sharing, training, and collaborative problem-solving.
• Assisted with administrative and operational tasks to support departmental objectives.

Skills

Bilingual English/French

Communication

Negotiation

Conflict resolution

Decision making

Risk assessment

Time management

Team collaboration

Education

Post-secondary diploma or degree

Tools

CRM platforms

Microsoft Office Suite

Account management systems

Job description

Accountivity is hiring!

Job Title: Bilingual Senior Credit Analyst

Location: York Region, ON

Job Type: Permanent

Salary: $75,000-$85,000/year

Work Model: Hybrid

This posting is for an existing vacancy.

Our client in York Region, ON is actively looking for a Bilingual Senior Credit Analyst to join their team.

Job Responsibilities

• Managed and resolved high-risk, complex delinquent accounts, including repossessions, fraud investigations, bankruptcies, consumer proposals, deceased estates, and insurance recoveries.
• Handled inbound and outbound customer communications to negotiate repayment arrangements, resolve account delinquencies, and deliver exceptional customer service.
• Maintained assigned portfolios through effective account management, consistent follow-up, and accurate account maintenance.
• Assessed risk exposure and implemented resolution strategies in compliance with established policies and provincial legal requirements.
• Ensured thorough and accurate documentation of collection activities within CRM and account management systems.
• Analyzed account profiles and financial circumstances to determine appropriate recovery strategies and recommendations.
• Utilized collection, skip-tracing, and investigative tools to minimize delinquencies, repossessions, and financial losses.
• Collaborated with legal counsel, bailiffs, dealerships, insurers, and auction partners to resolve complex delinquent accounts.
• Escalated sensitive and high-risk matters to leadership and provided recommendations for appropriate action.
• Exercised sound judgment in determining and assigning accounts for repossession.
• Managed escalated and cancelled insurance-related accounts, ensuring timely resolution and recovery.
• Processed charge-offs in accordance with internal guidelines and regulatory requirements.
• Contributed to operational improvements by providing insights for reporting, dashboards, process enhancements, and project initiatives.
• Mentored and supported team members through knowledge sharing, training, and collaborative problem-solving.
• Assisted with administrative and operational tasks to support departmental objectives.

Key Qualifications

• Bilingual in English and French (written and verbal communication preferred).
• Over 3 years of experience in collections, recoveries, financial services, or automotive finance.
• Post-secondary diploma or degree.
• Strong communication, negotiation, conflict-resolution, and decision-making abilities.
• Proven ability to assess risk, analyze complex situations, and recommend effective solutions.
• Highly organized with the ability to manage multiple priorities in a fast-paced environment.
• Results-driven with a strong sense of accountability and ownership.
• Collaborative team player with a focus on knowledge sharing and continuous improvement.
• Experienced in managing high-volume workloads while maintaining exceptional attention to detail.
• Self-motivated and capable of working independently.
• Proficient in Microsoft Office Suite, CRM platforms, and account management systems