Senior Capital Collection Specialist

Are you actively looking for a new opportunity? Or just checking the market? Well… you might just be in the right place!

We’re looking for a Senior Capital Collections Specialist to join our Capital and Payments team in Montreal. Reporting to the Team Lead of Capital Collections, you will be pivotal in managing complex recovery cases, driving strategic initiatives, and ensuring strict regulatory compliance. Beyond the numbers, you will also engage with our merchants, requiring a blend of strategic thinking and empathetic communication. If you are a driven professional who excels at navigating challenging negotiations, implementing operational improvements, and maintaining compliance, while building positive customer relationships, we invite you to shape the future of Lightspeed Capital!

What you’ll be doing:

• Demonstrate compassion and empathy for our customers by understanding their situations, needs, and offering solutions.
• Performing outbound communications (calls and emails) to manage at-risk capital advance accounts and negotiate viable repayment plans, exploring all available financial resources to determine the best possible arrangements.
• Capability to identify daily data, to detect trends and potential issues in collections, providing insights and recommendations to improve recovery efforts and address challenges.
• Partnering with internal teams such as Product, Underwriting, Eligibility, and Compliance to drive solutions and provide regular reporting on portfolio trends.
• Ensuring all recovery activities adhere to relevant laws, regulations, and internal policies, mitigating risk.
• Leveraging data analytics to identify trends and inform strategic recovery initiatives.
• Offering recommendations for process improvements to enhance recovery efficiency and minimize risk.
• Maintaining in-depth knowledge of Lightspeed Capital products, Payments, and Billing systems to support internal teams.
• Providing insights on recovery policies and playbooks to standardize processes and ensure consistent compliance.

What you need to bring:

We’re a team of 5 people located in North America and Asia Pacific. If you enjoy the art of negotiation, take pride in your ability to communicate well with others and are familiar with accounting practices, then this is the job for you!

We're looking for a candidate who has experience with the following:

• Must have a minimum of 4 year’s experience in collections or a target-driven call centre environment.
• Experience doing collections for a financial institution (i.e. bank, credit card company etc.).
• Strong communication skills in English and in French, written and oral (our customers are bilingual).
• Experience within the fintech or e-commerce industry is an asset.

What’s in it for you?

Come live the Lightspeed experience...

• Ability to do your job in a truly flexible hybrid environment (3 days/week in office);
• Genuine career opportunities in a company that’s creating new jobs everyday;
• Work in a team big enough for growth but lean enough to make a real impact.

… and enjoy a range of benefits that’ll keep you happy, healthy and (not) hungry:

• Lightspeed RSU program (we are all owners).
• Unlimited paid time off policy.
• Health insurance.
• Health and wellness benefits.
• Possibility for transit fees to be covered.
• Paid leave assistance for new parents.
• Linkedin learning.

To all recruitment agencies: Lightspeed does not accept unsolicited agency resumes. If we have not directly engaged your company in writing to supply candidates for a specific vacancy, Lightspeed will not be responsible for any fees related to unsolicited resumes.

Lightspeed is a proud equal opportunity employer and we are committed to creating an inclusive and barrier-free workplace. Lightspeed welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Who we are:
Powering the businesses that are the backbone of the global economy, Lightspeed's one-stop commerce platform helps merchants innovate to simplify, scale, and provide exceptional customer experiences. Our cloud commerce solution transforms and unifies online and physical operations, multichannel sales, expansion to new locations, global payments, financial solutions, and connection to supplier networks.

Founded in Montréal, Canada in 2005, Lightspeed is dual-listed on the New York Stock Exchange (NYSE: LSPD) and Toronto Stock Exchange (TSX: LSPD). With teams across North America, Europe, and Asia Pacific, the company serves retail, hospitality, and golf businesses in over 100 countries.