Perception Agent

Compagny Description

Alterfina    is a fast-growing company reinventing alternative consumer financing.
Our mission: to offer credit solutions that are tailored, human, and responsible.

We aim to become the preferred alternative financing solution for Canadians by helping them navigate their immediate financial challenges while equipping them to develop healthy financial habits.

Our five core values— respect, integrity, empathy, innovation, and excellence —guide everything we do and help shape our culture.

Joining Alterfina means becoming part of a dynamic team where your role has a direct impact on the company’s success… and on the lives of our clients.

Purpose of the role

Alterfina is currently experiencing rapid growth and has just entered the Ontario market. This naturally leads to a growing need to hire new, fully bilingual employees.

The Collections Agent’s main responsibility is to support the company by managing overdue accounts and moving each file closer to being brought up to date. This includes assessing payment capacity, verifying the client’s identity and financial situation, proposing realistic arrangements, negotiating with clarity and respect, and documenting every decision and action.
The role involves various tasks related to handling delinquent accounts. The person in this position must communicate with past-due payers to negotiate payment agreements and inform them of the consequences of non-payment.

What you'll do daily

Protect the company’s portfolio and minimize losses;

Queue management & prioritization — Process a daily prioritized queue while respecting follow-up deadlines;

Client contact (inbound/outbound calls, email, SMS) — Establish a human and constructive connection, validate identity, clearly explain account status and next steps, using active listening, de-escalation, and negotiation techniques;

Payment arrangements — Assess current payment capacity (income/expenses), propose realistic plans, and document all agreements made with clients;

Compliance & ethics — Follow applicable provincial regulations and internal policies while maintaining complete, traceable documentation for every interaction;

Quality & continuous improvement — Follow scripts and best practices; be open to coaching;

Support the preparation of legal documents;

Manage your workload and prioritize accounts accordingly;

Meet productivity and quality standards;

Perform any other related tasks assigned by your immediate supervisor.

You’re the right person if you are or have...

Bilingual, both written and spoken;

A college diploma (DEC) and at least 2 years of experience in collections;

1 to 3 years of experience in a similar role, allowing for quick familiarity with collections (a strong asset);

Strong verbal communication, calm and empathetic approach;

Good negotiator with strong objection-handling skills — able to finalize sustainable arrangements;

Strong organization, rigorous follow-up, and ability to manage multiple files simultaneously;

Ability to adapt quickly and easily;

Strong customer service orientation;

Skilled at quickly building trust with clients;

A recognized team player;

Comfortable working with financial software/tools.

Why you'll love working at Alterfina

A work environment that encourages your autonomy;

Telework 3 days/week and 2 days in our beautiful offices in Saint-Hubert;

Work-life balance recognized (Concilivi certified);

Comprehensive benefits (health, dental, vision), 50% paid by the employer;

Free access to telemedicine and an Employee and Family Assistance Program (EFAP);

Group RRSP with employer contribution;

Generous vacation time and 7 sick days;

Recognition program to celebrate seniority;

Access to continuing education for professional development;

Active Wellness Committee – concrete initiatives all year round!

Looking for a position where your contribution has a direct impact? Join us!

Please send your résumé by email!

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