We are seeking an experienced and people-focused leader to join our Residential Lending Services team as Default Management Consultant.

This role is responsible for leading a team that supports customers experiencing financial hardship while balancing customer outcomes, operational effectiveness, and risk management objectives. The successful candidate will provide leadership and coaching to a multi-location team responsible for mortgage and lending delinquency management, loss mitigation activities, and resolution strategies across retail lending and demand account products.

The Default Management Consultant is accountable for delivering service excellence, maintaining regulatory and policy compliance, enhancing operational performance, and fostering a highly engaged, customer-focused culture. This leader will work closely with business partners across Lending, Risk, Legal, Customer Experience, and Operations to ensure effective resolution of complex customer situations while supporting Manulife Bank's risk appetite and customer commitments.

Position Responsibilities:

Leadership & Team Development

- Lead, coach, and develop a high-performing team through ongoing performance conversations, development planning, mentoring, and recognition.

- Foster an inclusive, collaborative, and accountable team culture that supports engagement, innovation, and continuous improvement.

- Provide guidance and support in managing complex customer situations and escalated cases.

- Ensure employees possess the knowledge, capabilities, and tools required to effectively perform their responsibilities.

- Support workforce planning and resource management to meet service, quality, and operational objectives.

Customer Experience & Operational Excellence

- Drive exceptional customer experiences through empathetic, professional, and solution-focused interactions.

- Monitor work volumes, productivity, quality, and service performance to ensure operational objectives are achieved.

- Identify opportunities to improve processes, reduce customer effort, and enhance service delivery.

- Provide additional support by jumping into action and helping to manage cases during higher-than-normal volumes to guarantee service level standards are consistently met

Default Management & Risk Oversight

- Support activities related to delinquency management, loss mitigation, and resolution strategies across mortgage and lending products.

- Ensure delinquent and higher-risk accounts are identified and managed proactively and consistently.

- Support team members in evaluating customer circumstances and negotiating sustainable repayment solutions within policy guidelines.

- Review escalated arrangements, risk mitigation recommendations, and account strategies to ensure appropriate decision-making and elevate to the Manager, Default Management as required.

- Ensure account documentation, customer records, and collection activities meet regulatory, legal, and internal policy requirements.

- Support interactions with legal partners, insolvency proceedings, bankruptcy and consumer proposal activities, and third-party service providers, where applicable.

Compliance & Governance

- Ensure operational controls, audit requirements,



and compliance procedures are being followed by the team.

- Identify operational, customer, and compliance risks to the Manager, Default Management.

- Support internal audits, reviews, and business initiatives as required.

Change & Strategic Initiatives

- Act as a key business partner on projects, process improvements, and transformation initiatives.

- Champion continuous improvement and leverage data-driven insights to enhance team effectiveness and customer outcomes.

- Support implementation of new tools, technologies, and operating models that improve efficiency and service delivery.

Required Qualifications:

- 3+ years of progressive experience in default management, mortgage servicing, collections, loss mitigation, banking operations, or a related financial services environment.

- Previous people leadership experience with demonstrated success developing and coaching teams.

- Strong understanding of residential mortgage products, lending practices, and delinquency management strategies.

- Knowledge of insolvency processes, bankruptcy legislation, collections practices, and applicable provincial regulations.

Preferred Qualifications:

- Strong analytical and problem-solving skills with the ability to manage complex customer and business situations.

- Demonstrated ability to influence stakeholders and build collaborative relationships across multiple business areas.

- Excellent verbal and written communication skills.

- Strong organizational and decision-making skills with the ability to prioritize in a fast-paced environment.

- Nice to have: Bilingual (French & English) - The successful candidate could have to also communicate in French to support clients from various jurisdictions including Quebec.

The successful candidate will:

- Lead with empathy and accountability.

- Balance customer outcomes with prudent risk management.

- Develop and inspire high-performing teams.

- Use data and insights to drive results.

- Build strong partnerships across the organization.

- Champion change, continuous improvement, and operational excellence.

When you join our team:

- We’ll empower you to learn and grow the career you want.

- We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words.

- As part of our global team, we’ll support you in shaping the future you want to see.

The role being advertised is an existing vacancy.

マニュライフとジョン・ハンコックについて

マニュライフ・ファイナンシャル・コーポレーションは、「あなたの未来に、わかりやすさを」を提供する、国際的な大手金融サービスプロバイダーです。当社について詳しくは、 https://www.manulife.co.jp/lをご覧ください。

マニュライフは機会均等を是とする雇用主です





マニュライフ/ジョン・ハンコックでは、多様性を受け入れます。私たちは、サービス提供先であるお客さまと同様に、多様な人材を引きつけ、育成し、定着させ、文化や個人の力を受け入れる包括的な職場環境を促進するよう努めています。当社は公正な採用、定着、昇進、報酬に努めています。当社のすべての慣行およびプログラムは、人種、祖先、出身地、肌の色、民族的出自、市民権、宗教または宗教的信念、信条、性別（妊娠および妊娠関連の状態を含む）、性的指向、遺伝的特徴、退役軍人としての地位、性自認、性に関する表明、年齢、婚姻状況、家族状況、障害、または適用法で保護されるその他の要因に対する一切の差別を行うことなく管理されます。

雇用への平等なアクセスを提供するために、障壁を取り除くことが当社の優先事項です。人事担当者は、応募者が応募プロセス中に合理的配慮を要求する場合に協力します。配慮要求のプロセス中に共有されるすべての情報は、適用される法律およびマニュライフ/ジョン・ハンコックのポリシーに準拠した方法で保存および使用されます。申請プロセスにおいて合理的配慮を要求するには、 [email protected]までご連絡をお願いします。

Referenced Salary Location

Waterloo, Ontario

Working Arrangement

ハイブリッド勤務

Salary range is expected to be between

$59,100.00 CAD - $98,500.00 CAD

Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. If you are applying for this role outside of the primary location, please contact [email protected] for the salary range for your location.

Manulife offers eligible employees a wide array of customizable perks, including health, dental, mental health, vision, short- and long-term disability, life and AD&D; insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in Canada includes holidays, vacation, personal, and sick days, and we offer the full range of statutory leaves of absence.

If you are applying for this role in the U.S., please contact [email protected] for more information about U.S.-specific paid time off provisions.

We use data and analytics technologies, such as artificial intelligence (AI), and automated processing tools, to analyze and process the information you provide to us or third parties in the application process. For more information, please refer to our personal information collection statement.

📌 Default Management Consultant (London)
🏢 Manulife Financial
📍 London