Collections Specialists (Intermediate & Senior Opportunities)

Sonoma Capital Corp.; Canada; Hybrid; CAD 55,000 - 75,000; Full time

Benefits offered by this job

Health and dental benefits

RRSP matching

Paid time off

Hybrid/Remote work flexibility

Job summary

Sonoma Capital is seeking talented Collections Professionals at intermediate to senior levels to join our expanding Collections and Legal Recovery team in Canada. You’ll manage delinquent commercial accounts, negotiate repayment plans, and collaborate with brokers, insurers, and legal counsel to maximize recoveries while supporting customers.

We offer flexible work arrangements (hybrid/remote), opportunities across Specialist, Senior Specialist, or Team Lead roles, and a focus on

Qualifications

• 3–5 years of collections, equipment finance, banking, credit, recovery, or servicing experience.
• Experience negotiating payment arrangements and resolving delinquent accounts.
• Strong problem-solving and relationship management skills.

Responsibilities

• Manage a portfolio of delinquent commercial finance and leasing accounts.
• Contact customers to discuss outstanding obligations and negotiate payment arrangements.
• Monitor account performance and follow up on commitments.
• Identify emerging risks and elevate concerns as appropriate.
• Maintain accurate records of collection activities and communications.

Skills

Negotiation

Relationship management

Problem-solving

Time management

Communication

Education

Finance or Risk Management background

Job description

Collections Specialists (Intermediate & Senior Opportunities)

2026-10-07

The Opportunity

Sonoma Capital is growing, and we’re looking for talented Collections Professionals at a range of experience levels to join our expanding Collections and Legal Recovery team.

Whether you’re early in your collections career or an experienced specialist looking for your next challenge, we’re interested in connecting with individuals who are passionate about problem-solving, negotiation, risk management, and achieving strong recovery outcomes.

Our Collections team plays a critical role in protecting portfolio performance while helping customers navigate financial challenges. Team members work closely with customers, brokers, insurers, legal counsel, asset management professionals, and internal stakeholders to develop practical, effective solutions that maximize recoveries while supporting positive customer outcomes.

Depending on your experience and qualifications, opportunities may be available at the Collections Specialist, Senior Collections Specialist, or Team Lead level.

At Sonoma Capital, we believe in finding the right fit rather than taking a one-size-fits-all approach. We’re open to customizing the role and responsibilities around the right individual’s experience, strengths, and career goals.

If you are a collections professional who enjoys solving complex challenges, building relationships, and making an impact, we’d love to connect.

Key Responsibilities

• Manage a portfolio of delinquent commercial finance and leasing accounts.
• Contact customers to discuss outstanding obligations and negotiate payment arrangements.
• Monitor account performance and follow up on commitments.
• Identify emerging risks and elevate concerns as appropriate.
• Maintain accurate records of collection activities and customer communications.

Customer Resolution & Negotiation

• Work directly with customers experiencing financial difficulty.
• Evaluate customer circumstances and identify appropriate solutions.
• Negotiate payment plans, settlements, restructures, and workout arrangements where applicable.
• Build positive working relationships while maintaining firm collection practices.
• Support customers through insurance claim, recovery, and asset disposition processes.

Legal & Third-Party Coordination

• Work with external legal counsel and service providers on recovery actions.
• Support bankruptcy, insolvency, litigation, and enforcement activities.
• Review collection documentation and ensure file completeness.
• Coordinate lien, registration, and recovery-related activities.
• Support documentation and reporting requirements.
• Monitor delinquency trends and collection performance metrics.
• Assist with reporting for management and portfolio reviews.
• Identify opportunities to improve processes, controls, and customer experience.
• Participate in special projects and system enhancements.
• Support the ongoing development of Sonoma’s servicing and collections framework.

Qualifications

Education

Post-secondary education in Finance or Risk Management, or a related field is considered an asset.

Experience

We welcome candidates with the following level of experience:

• 3-5 years of collections, equipment finance, banking, credit, recovery, or servicing experience.
• Experience negotiating payment arrangements and resolving delinquent accounts.
• Strong problem-solving and relationship management skills.

Senior Specialist and Team Lead

• 5+ years of commercial collections, equipment finance, asset recovery, restructuring, workout, insolvency, or legal recovery experience.
• Proven ability to manage complex customer situations and recovery strategies.
• Experience leading and/or mentoring team members and contributing to process improvements.

Core Competencies

• Strong communication and negotiation skills
• Relationship management
• Commercial judgment and decision-making
• Problem-solving and analytical thinking
• Time management and prioritization
• Customer-focused approach
• Professionalism and accountability
• Team collaboration
• Adaptability and resilience

About Our Company

Sonoma Capital is a Canada-based, coast-to-coast equipment finance provider supporting businesses across a range of industries. As a non-bank direct lender, we focus on building genuine, long-term relationships and delivering straightforward, responsive financing solutions. We’re a practical, down-to-earth team that values reliability, clear communication, and helping each other out.

What’s in it for You?

At Sonoma, you’ll join a collaborative and growing team where your work has real impact.

• Opportunity to grow: Multiple career paths within Collections, Asset Management, Risk, Credit, and Operations.
• Supportive team environment: We work closely, communicate openly, and support continuous learning.
• Ownership of your work: Team members are trusted to make decisions and contribute ideas.
• Balanced work model: Hybrid and remote work flexibility.
• Competitive total rewards: Health and dental benefits, RRSP matching, paid time off, and programs that support work-life balance.
• Growing organization: Join a company experiencing continued growth and transformation.

Interested?

If you are looking for an opportunity where you can make a difference, grow your career, and be part of a collaborative team, we would love to hear from you.

Depending on qualifications and experience, successful candidates may be offered a position at the Intermediate, Senior, or Team Lead level. Applicants must have legal authorization to work in the country in which the position is based with no restrictions. All positions require background screening. Some roles may require criminal and credit checks to comply with regulations.