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About the Role

As an Early Stage Collector, you will be responsible for minimizing monthly delinquencies by following up on delinquent accounts and resolving issues causing delinquency. This includes negotiating payment arrangements, working with internal teams on administrative issues, and potentially dealing with external partners like Bailiffs and Insolvency Trustees. You will also be responsible for meeting team targets for delinquency and loan losses.

Responsibilities

Contact customers to negotiate payment arrangements on all past due and NSF accounts.
Manage the collections email queue and ensure customer requests are handled within established SLAs.
Follow-up with customers to ensure agreements are met.
Review accounts in detail, paying attention to collateral, when payment arrangements are not met.
Assess the reason for non-payment and establish an appropriate strategy to resolve it, engaging other departments as required.
Prepare files for referral to Late Stage Collectors when primary collection strategies are not successful.
Review daily delinquency reports.
Escalate internal issues causing delinquency with departmental leads as appropriate.
Issue manual invoices, buyout quotes, and demands for payment as required.
Work with GAIG and Customer Service to resolve insurance disputes and claims.
Reconcile accounts with multiple end users to ensure correct cash applications.
Process an average of 50-70 activities per day.
Participate in team meetings and training sessions as required.
Participate in process improvement initiatives as opportunities are identified.
Collaborate on initiatives related to positive customer experience and engagement as required.

Requirements

Minimum two to five (2-5) years’ experience in Collections, ideally in leasing or financial services industry.
Bilingual Skills (Fluency in both English and French) considered an asset.
Highly developed problem solving and negotiating skills.
Strong communication ability both verbal and written.
Completion of a post-secondary education program in finance would be an asset.
Experience with Microsoft operating systems including Word, Excel, Outlook and the Internet.
Embedding & leveraging technology – Confidence and willingness to learn and integrate AI and emerging technologies into new ways of working.
Critical Thinking – The ability to analyze, evaluate and interpret information from various sources and apply logic and problem solving to make decisions.
Data Driven– Leverage data and insights to identify, prioritize and improve member experience and business efficiency.
Curiosity & Flexibility – Comfortable navigating and embracing change and uncertainty, ask more questions, explore more options. Continuously learn and grow.

Skills

Problem solving
Negotiating
Communication (verbal and written)
Microsoft Word
Microsoft Excel
Microsoft Outlook
Internet navigation
AI and emerging technologies
Low/no code tools (e.g., Microsoft Power Platform)
Generative AI productivity tools (e.g., Microsoft Copilot)

Location

Toronto
Burnaby, BC
Montreal

Work Type

Hybrid
Contract

Experience Level

2-5 years

Education Level

Post-secondary education program in finance (asset)

Salary/Compensations

CAD $60,000 – $64,000 annually

Benefits

Inclusive and collaborative working environment
Tools and technology to delight candidates and clients
Opportunity to work with and learn from diverse industry leaders
Hybrid work arrangements
In-person office time for collaboration, innovation, and relationship building

About the Company

Meridian OneCap Credit Corp (MOC) is an equipment and finance company providing a broad range of financial services to businesses throughout Canada.
Our parent, Meridian Credit Union, has over 70 years of banking history and is Ontario’s largest credit union.
MOC is a provider of asset financing in the form of capital leases.
We are committed to being the best provider of specialized equipment financing services to strategic vendors across Canada.
Our service-oriented culture and exceptional group of professionals serves to provide our strategic partners with value-added service and constructive solutions.
Meridian OneCap provides customized leasing solutions both to help companies sell equipment and to companies that have chosen to lease equipment, rather than buy.
For manufacturers and vendors, we enable you to provide your customers with a value-added service that helps your customers acquire equipment efficiently and gives your company a competitive edge.
For the end user, we can help you to preserve working capital in your business, while benefiting now from the use of the equipment.
Our team is known as industry leaders, earning our reputation through consistent delivery of financing programs with the most efficient transaction process and superior customer service.
We have the largest direct sales force within the Canadian market.
At Meridian, we’re not just adapting to the future—we’re shaping it.
We see talent as a catalyst for sustainable growth, community impact, and future-readiness.

Equal Opportunity

Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, or disability.