Collector

Who We Are At Momentum Financial Services Group, we help people move forward by reimagining how money works for those who need it most. With more than 40 years of experience, we’re the team behind Money Mart—Canada’s largest non-bank branch network—and a leader in financial solutions for underserved communities. From short-term loans to money transfers and prepaid cards, we power the products, technology, and operations that connect millions of customers each year to the money they need, when they need it. At MFSG, we work together across teams and functions to create something bigger than ourselves: solutions that remove barriers and give people access to money they might not get anywhere else. Whether you’re solving problems, building systems, or shaping strategy, your work fuels real support for real people. We’ve Got You Covered Compensation Philosophy – Competitive pay aligned with experience and market standards Discretionary Annual Bonus – Rewarding both individual and company performance Comprehensive Benefits – Health and dental coverage with premiums fully paid, plus access to an Employee Assistance Program Retirement Plans – Helping you plan and save for the future Hybrid Work Environment – Flexibility to balance remote and in-office collaboration; enjoy our corporate HQ spaces designed for teamwork and creativity Perks and Rewards – Tuition reimbursement, professional development support, discounts through Perkopolis, and recognition programs that celebrate your impact The Job: Collector As a Collector you will be responsible to make outbound and accept inbound calls to collect payments from customers that are delinquent on their loans. Representatives will provide customer solutions and negotiate payment arrangements with customers. H ow You’ll Make an Impact : Contact customers via phone, email, or mail to collect outstanding payments. Negotiate and establish repayment plans that work for both the customer and the company. Maintain accurate records of customer interactions and payment status in the system. Follow up regularly on payment arrangements and monitor accounts for compliance. Research and resolve discrepancies, disputes, or billing errors. Escalate accounts for legal or advanced recovery action when necessary. Meet or exceed daily, weekly, and monthly collection targets and KPIs. Comply with all debt collection laws and internal policies. Complete risk assessments to identify the best payment strategies. Review files, provide information, and follow up with clients until resolution. Maintain accurate and detailed records of all customer interactions and agreed-upon resolutions. Collaborate with internal departments to efficiently implement solutions. Escalate complex cases to management when required. Contribute to department targets and minimize uncollectible accounts. Ensure payment reconciliation and account accuracy. Stay updated on industry practices and maintain confidentiality at all times. What You Bring : Prior call center, collections or sales background strongly preferred. Negotiate repayment solutions and hardship accommodations based on client needs. Strong negotiation, analytical, and problem-solving skills. Excellent communication and active listening abilities. Education + Experience Minimum 2 years experience as a credit strategy experience within the financial banking industry. Post-secondary education or 2+ years in a collections or financial services role. More than 2 years of experience in customer service or call centre (inbound/outbound) Excellent communication, sales and negotiation skills Exemplify quality customer service skills Strong attention to detail and problem solving skills Must be an analytical and a critical thinker Results-oriented and self-motivated Ability to adapt to change Ability to type 20 words per minute Ability to work in a fast paced team oriented working environment. Ready to apply your Collections expertise to make a real impact? Join us and help shape the future of MFSG. Apply today and let’s build the future of MFSG, together. Committed to Equal Opportunity : M FSG is committed to accommodating applicant s up to the point of undue hardship during the recruitment, assessment and selection process. If you are selected for an interview, please notify MFSG if you require accommodation in respect of the materials or procedures used at any time during this process. If you require accommodation , MFSG will work with you to determine how to meet your needs. About MFSG – Our Commitment to Responsible Innovation At MFSG, we are committed to building innovative solutions grounded in ethical, transparent, and responsible use of data and technology. Aligned with the principles outlined in Canada’s Artificial Intelligence and Data Act (AIDA), we take a proactive approach to ensuring that any AI or data-driven systems we use are safe, fair, and accountable. This posting is for a current position within our organization, offering the opportunity to contribute to meaningful, responsible innovation that supports our employees, clients, and communities. We prioritize strong data governance, clear communication around how systems work, and safeguards that reduce risks and protect individuals. Our focus is on developing tools and processes that promote equity, reliability, and trust, supported by ongoing monitoring and continuous improvement. Joining MFSG means contributing to a future-focused organization that values both innovation and integrity, where your work helps shape solutions that responsibly support our employees, clients, and communities.