Collections Specialist
We provide fast, versatile working capital loans, business loans, and merchant cash advances — no red tape, no slow decisions. You’ll own the collections lifecycle on our small-business lending portfolio, from the first missed payment through to legal escalation. You’ll work directly with business owners and guarantors to get accounts back on track and manage the agencies, legal counsel and payment processors who support recovery. Collections is a core function here, so your work hits cash collected directly.

Manage commercial accounts from early arrears through late-stage recovery, maximizing cash collected
Use portfolio data and repayment trends to prioritize your caseload and flag emerging risk
Manage external collection agencies and legal partners: track performance, keep handoffs clean and follow up
Research distressed or unresponsive merchants (account reviews, business research, permitted tracing tools) to find recovery options
Prepare account histories and evidence for demand letters, settlements and legal proceedings
Keep accurate case notes and report on arrears, collections,



settlements and recoveries

5+ years in collections or commercial debt recovery, including hands-on work on complex, late-stage accounts and a track record of collecting balances over $30K

- Experience working with third-party agencies, legal counsel, vendors or payment processors
- Confidence managing a changing caseload independently while following applicable Canadian collections requirements

Bonus
Merchant cash advance (MCA), revenue-based financing or other small-business credit experience
Personal credit collections experience on larger balances (e.g. auto)
French language skills
Experience preparing legal recovery packages or using collections reporting tools

50,000 – $70,000 CAD + bonus
Health & dental with Manulife (Bronze plan)
Life insurance with Allianz
Virtual health with Dialogue (Premium)
Retirement savings via Wealthsimple Group RRSP
Barista onsite all day for all your coffee needs
Rooftop loft community space & outdoor space to decompress

📌 Credit and Collection Agent (Toronto)
🏢 Elect Capital
📍 Toronto