Customer Service Representative - Account Maintenance (Early Stage Collections)

Ford Credit; Edmonton; Remote; CAD 42,000 - 54,000; Full time

Job summary

Ford Credit Canada is seeking a Customer Service Representative - Account Maintenance to join a remote, Canada-wide team. You will engage with customers and dealers to understand delinquency causes, negotiate payment arrangements, and apply solutions to bring accounts back to good standing.

Ideal candidates will have strong communication skills, familiarity with credit concepts, and the ability to work independently in a fast-paced environment while supporting in-person training in Edmonton, AB.

Qualifications

• Must have a High School Diploma or Canadian Equivalency.
• Bilingual English and French preferred for customer communications.
• Strong communication and analytical skills; experience in credit or collections is a plus.

Responsibilities

• Proactively contact customers with past-due accounts to understand delinquency causes and negotiate payment plans.
• Assess creditworthiness for dealers and negotiate credit terms by phone.
• Maintain professional representation of Ford Credit Canada and ensure quality service.

Skills

Bilingual: English/French

Communication skills

Problem solving

Education

High School Diploma

Tools

MS Office

CRM software

Job description

Working within a dynamic team and supporting a broad network of Ford/Lincoln dealers, the Customer Service Representative - Account Maintenance plays a critical role in managing our early-stage delinquency portfolio. In this role, you aren't just providing service; you are a financial problem-solver. You will work directly with customers to understand the root causes of account delinquency, negotiate sustainable payment arrangements, and provide the professional expertise needed to help our customers get back on track while working to advance Ford Credit Canada's reputation as a customer-focused lender, providing personalized service and professional expertise.

At Ford Credit Canada, you'll play a vital role in enhancing our reputation as a best-in-class lender. You'll work within a large team and a wide network of Canadian Ford/Lincoln dealers, providing personalized service and professional expertise. Your main responsibilities will include evaluating applications for creditworthiness and directly negotiating credit terms with dealers by phone. Effective communication and analytical skills are crucial for success in this role. Ideal candidates should also understand credit, financial analysis, sales, collections, and relationship management.

Location: While this role is fulltime remote, candidate must reside in or around Edmonton, AB, and be able to attend in person training at the Edmonton office.

Candidates must be able to work a flexible schedule during our hours of operation, which include Monday - Thursday from 6:00 am - 7:00 pm MST, Friday from 6:00 am - 5:00 pm MST and Saturday from 7:00 am - 1:00 pm MST.

Responsibilities Include, But Are Not Limited To

• Manage Early-Stage Delinquency: Proactively contact customers with past-due accounts to identify reasons for delinquency and provide tailored solutions to resolve outstanding balances.
• Negotiate Payment Solutions: Use professional negotiation and probing techniques to secure payment commitments, establish firm payment arrangements, and offer financial tools or programs that support account rehabilitation.
• Problem Solve & Analyze: Review account history to understand the customer's financial situation and determine the most effective course of action to mitigate loss.
• Follow established procedures: Adhere to the Ford Credit's policies and guidelines for your work area, ensuring consistency and quality in service delivery.
• Deliver Professional Representation: Act as a brand ambassador for Ford Credit, resolving sensitive financial situations with a balance of empathy, firmness, and professionalism.
• Adapt & Pivot: Manage a high volume of inbound and outbound calls in a fast-paced environment, adjusting quickly to changing priorities and account cues.
• Be an active team member: Participate actively and contribute to team meetings, sharing insights and collaborating with colleagues.
• Engage in constructive feedback: Be comfortable both giving and receiving feedback from peers and supervisors in a positive, professional, and helpful manner to support continuous improvement.
• Support team and company goals: Demonstrate flexibility and a willingness to take on new tasks or adapt to changes that help the Ford Credit and the organization achieve its objectives and improve overall service quality.
• Use company resources responsibly: Utilize company email and internet access in accordance with established company policies.

Education

• High School Diploma or Canadian Adult Education Credential (CAEC) Equivalency.

Experience

• Bilingualism Preferred: Excellent communication skills (written and verbal) in both French and English is preferred.
• Communication Skills: Strong ability to handle difficult conversations and "probe" for information while maintaining a professional demeanor.
• Technical Proficiency: Proficiency in MS Office (Word, Excel, Outlook) and the ability to learn internal account management software.

You'll have...

Even better, you may have...

• Work effectively in a remote team environment to manage tasks with a high level of accuracy.
• Previous experience in collections, credit, or a high-volume financial services environment where negotiation was a primary task.
• Answer inbound/place outbound calls with customer and dealer satisfaction as a priority.
• Ability to perform multiple tasks simultaneously, with the ability to pivot to other work requirements as needed.
• Resolve customer and dealer concerns in a positive and professional manner.

This posting is for an existing vacancy within our team.

We thank all applicants for their interest, but only those selected for an interview will be contacted.

(Successful candidates will be required to provide proof of degree completion for the highest level of education attained. If the degree was obtained from a school outside of Canada, an Education Credential Assessment report showing Canadian equivalency is also required.)

Ford Credit Canada Company is an Equal Opportunity Employer and is committed to a culturally diverse workforce. Accommodations for applicants with disabilities throughout the recruitment, selection and / or assessment processes, where needed, are available upon request. Please inform Human Resources of the nature of any accommodation(s) that you may require.

Candidates for this position must be legally entitled to work in Canada. Ford Credit Canada Company does not sponsor work permit applications.