Capital Collections Specialist

Lightspeed; Remote; CAD 50,000 - 70,000; Full time

Job summary

A dynamic global technology company based in Montreal is seeking a Capital Collections Specialist to help merchants manage their Capital advances. This role involves handling a high-volume portfolio, negotiating repayment plans, and requires strong communication skills. The ideal candidate should have a background in collections or financial services, with an ability to manage challenges empathetically. The position is available remotely within Canada, promoting a flexible work environment that values employee input and growth.

Benefits

Flexible paid time off

Equity options

Pension plan contributions

Health & wellness credit

Training and development opportunities

Qualifications

• Mid-level professional with experience in collections, financial services, or lending.
• Proficient in leading challenging conversations on the phone.
• Ability to manage high-volume workloads with attention to detail.

Responsibilities

• Manage a high-volume portfolio of delinquent Capital accounts.
• Conduct outbound communication to identify repayment challenges.
• Negotiate repayment plans and maintain accurate documentation.

Skills

Collections experience

Financial services knowledge

Strong communication skills

Problem-solving ability

Organizational skills

Empathy and resilience

Job description

Hi there! Thanks for stopping by 👋

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.

Be a changemaker

You’ll enjoy:

• 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

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.

Lightspeed handles your information in accordance with our Applicant Privacy Statement.

To all recruitment agencies: Lightspeed does not accept unsolicited agency resumes. If we have not directly engaged your company in writing to supply candidates for a specific vacancy, Lightspeed will not be responsible for any fees related to unsolicited resumes.

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.