Requisition ID: 271994

At Tangerine, we’re redefining banking. As Canada’s leading digital bank, we thrive on innovation, agility, and bold thinking, tackling every challenge head-on with leading technology and the unstoppable power of collaboration.

Our client-obsessed teams deliver flexible, accessible banking solutions, breakthrough products, and award-winning service. Beyond banking, we’re committed to making an impact in the communities we serve and across our organization. We foster a culture built on integrity, inclusion, and fearless ambition – where diverse perspectives are valued, and people are empowered to do their best work.

Are you ready to disrupt the status quo? Do you crave challenges that push boundaries? If you’re a high performer looking to accelerate your career and reimagine the banking landscape, this is your moment.

Let’s shape the future of banking together!

What you will be doing:

The Credit Recovery Specialist is responsible for maintaining an overall minimal delinquency ratio on the Tangerine portfolio (Deposits, Loans, Lines of Credit, Credit Cards), based on yearly objectives. This includes analysis of client activity for irregular activity and ensuring precautionary actions are taken to mitigate losses, while ensuring company regulations, credit policies and procedures are adhered to.

Is this role right for you? - In this role you will:

- Manage overall deposit and loan delinquency ratios based on yearly delinquency targets
- Resolve assigned daily returned payments; make calls to clients by the end of the current business day to determine reason for arrears and elicit promise to pay; document telephone conversations in appropriate systems




- Contact clients and utilize strong negotiation and analytical skills to minimize loss and maximize recovery of past due accounts
- Respond, investigate and act on internal and external email requests, concerning delinquent accounts in a timely manner
- Assist call centre with escalated problem resolution on delinquent accounts
- Value customer complaints and respond in a skilled and timely manner
- Issue first and final delinquency notices daily and send to clients
- Review and update credit bureau information as required.
- Review, accept and process Bankruptcies, Consumer Proposals and Credit Counselling Proposals within prescribed timelines.
- Identify and recommend continuous improvement initiatives with an aim to increase the efficiency of the Account Recovery Department and to maintain/reduce delinquencies
- Other duties as assigned

Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have:

- Post-secondary diploma/degree
- A minimum of 5 years’ work experience in banking or account recovery industry
- French language skills (written/oral) required
- Computer literate, knowledge of Microsoft Office
- Detail Oriented
- Solid understanding of banking products
- Proficiency in banking systems: DAWT, Profile IBS
- Excellent written and verbal communication skills
- Excellent Phone Etiquette




- Proficient organizational skills
- Proficient analytical skills to be able to identify problems; validate and make recommendations
- Ability to identify problems and make recommendations
- Sound understanding of collection systems will be an asset
- Ability to make decisions under stressful environments
- Basic knowledge of government compliance, Estates, Bankruptcy Act, Credit Bureau activities and Collection Agency contracts and policies
- Conveys an Inspirational Tangerine Vision & Strategy
- Acts as a Team Player
- Results Oriented
- Focus on the Customer
- Entrepreneurial
- Committed to Self-Development

What's in it for you?

- You will be part of a diverse and inclusive team of Client-focused go-getters looking to learn from each other in an environment that celebrates and recognizes success!
- You will have access to thousands of online and in-person courses so you can shape your career growth with support from diverse industry leaders.
- You will get our help to save for your future and to invest in your total well-being through our Tangerine benefits.
- You belong here, and we are equal and uncomplicated. Bring your true self to work, dress codes don’t apply here.
- You will enjoy workspace flexibility and all the excitement that comes from working at the official Bank of the Toronto Raptors.

Location(s): Canada : Ontario : Toronto At Tangerine we value the unique skills and experiences each individual brings to the team, and are committed to creating and maintaining an inclusive and accessible environment. If you require accommodation during the recruitment and selection process, please let our Recruitment team know.

📌 Bilingual Credit Recovery Specialist - Tangerine (Toronto)
🏢 Scotiabank
📍 Toronto