Perception agent

Other Jobs To Apply

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!

The masculine form is used solely to simplify the text.

Back to blog

Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...