Capital Collections Specialist

Lightspeed Commerce; Montreal; Hybrid; CAD 50,000 - 70,000; Full time

Job summary

A leading commerce solutions provider is seeking a Capital Collections Specialist to manage delinquent accounts and converse with clients regarding repayment challenges. This role involves investigating account discrepancies, negotiating plans, and collaborating with multiple teams to achieve targets. The ideal candidate will have experience in collections or financial services, strong communication skills, and the ability to work independently. Flexible work arrangements are offered along with a supportive culture and various benefits.

Benefits

Flexible paid time off

Equity options

Pension plan contributions

Training and development opportunities

Health & wellness credit

Computer purchase program

Enhanced parental leave

Qualifications

• Experience in collections or financial services is required.
• Ability to lead confident phone conversations, especially in challenging situations.
• Experience managing high-volume workloads while remaining organized.

Responsibilities

• Manage high-volume delinquent Capital accounts.
• Conduct calls and emails to understand repayment challenges.
• Negotiate repayment plans and maintain documentation.

Skills

Collections

Communication

Problem-solving

Organizational skills

Empathy

Analytical skills

Fluency in English

Job description

Are you actively looking for a new opportunity? Or just checking the market? Well… you might be in the right place.

We’re looking for a Capital Collections Specialist to join our Capital Operations team. You’ll play a key role in helping Lightspeed merchants stay on track with their Capital advances — investigating issues, leading repayment conversations, and driving positive outcomes for both merchants and the business.

This role is available across Canada (preferably Montreal or Toronto), and we’re open to remote work as long as you can work 9 a.m.–5 p.m. EST.

What you’ll be doing

• Manage a high-volume portfolio of delinquent Capital accounts (30–40 per day)
• Conduct outbound calls and emails to understand repayment challenges
• Investigate account discrepancies and identify root causes
• Negotiate repayment plans, restructures, or settlements where appropriate
• Maintain accurate and compliant documentation for every interaction
• Meet cure rate and SLA targets to protect portfolio health
• Collaborate with Risk, Capital, and Operations teams when files require escalation
• Provide a respectful, human, and solutions-focused experience to every merchant

What you need to bring

We’re looking for a mid-level professional who has experience with:

• Collections, financial services, lending, MCA, or similar customer-facing financial environments
• Leading confident conversations on the phone — including challenging ones
• Investigating and solving problems independently
• Managing high-volume workloads while staying organized and detail-oriented
• Communicating with empathy, clarity, and resilience
• As a global company with employees and clients outside of Quebec, fluency in English as a working language is required for this position.
• Bonus points if you have:
• Experience with SMBs, POS systems, or fintech
• Previous work in Capital, risk, recovery, or credit operations
• Strong analytical skills and comfort with documentation-heavy workflows

We know people are more than what’s on their CV.

If this sounds like the right challenge for you, hit Apply and let’s talk.

• A flexible work environment that empowers you to do your best work
• A culture that celebrates performance and impact
• The chance to make a difference in a team that’s big enough to grow, but lean enough for your voice to matter
• Career-defining opportunities
• Plus benefits designed to keep you happy, healthy and fulfilled:
• Flexible paid time off & remote work options
• Equity options — because this is your company too
• Pension plan contributions
• Training and development opportunities
• Health & wellness credit
• Paid time off to volunteer
• Interest groups, social committees and employee-led networks
• Computer purchase program (get your own MacBook!)
• Enhanced parental leave

Fuel your growth. Find your people.

At Lightspeed, your growth is our priority. We invest in you with continuous learning opportunities, global mobility, and benefits designed to support you — all within a driven, diverse, and inclusive team that’s passionate about empowering our communities.

Lightspeed is a proud equal opportunity employer and we are committed to creating an inclusive and barrier-free workplace. Lightspeed welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Where to from here?
Obviously, this has to be mutually beneficial: we want you to step into a role you love, and we want to offer you a place you’re proud to come to every day. For a glimpse into our world check out our career page here .

Lightspeed is building communities through commerce, and we need people from all backgrounds and lived experiences to do that. We were founded in 2005, in Montreal’s gay village and our original members were all part of the LGBTQ+ community. The ethos of our business has been about inclusion from the very beginning, and we strive to provide a workplace where everyone belongs.

Who we are:
Powering the businesses that are the backbone of the global economy, Lightspeed's one-stop commerce platform helps merchants innovate to simplify, scale, and provide exceptional customer experiences. Our cloud commerce solution transforms and unifies online and physical operations, multichannel sales, expansion to new locations, global payments, financial solutions, and connection to supplier networks.

Founded in Montréal, Canada in 2005, Lightspeed is dual-listed on the New York Stock Exchange (NYSE: LSPD) and Toronto Stock Exchange (TSX: LSPD). With teams across North America, Europe, and Asia Pacific, the company serves retail, hospitality, and golf businesses in over 100 countries.