Join us at Keep as a Sr Collections Analyst, a role where your unique blend of experience in customer service and financial operations becomes the backbone of our commitment to client excellence. In this pivotal position, you're not just recovering assets; you're safeguarding our reputation and strengthening relationships. Your strategic approach and profound understanding of collections will drive the success and evolution of our customer-oriented initiatives in the fast-emerging landscape of fintech.

• Communicating with customers to recover funds that are late, by mail and call.
• Negotiation of payment plans or refinancing for customers who are unable to continue with their current payment schedule.
• Reconciliation and calculation of balances receivable and rebalancing to calculate new payment plans.
• Lead and oversee the entire collections process, including strategy development, implementation, and optimization.
• Improvement, implementation and monitoring of KPIs.
• Ensure timely collections from both current and delinquent accounts through professional outbound and inbound communication across email, phone and all other relevant channels
• Negotiate payment plans or settlements with clients based on their financial circumstances and the company's policies.
• Partner with cross functional teams to develop collection strategies, payment plans and operating procedures to ensure efficient collections operations.
• Collaborate with the sales and underwriting teams to share insights into client behavior and creditworthiness to improve lending decisions.
• Maintain detailed records of all communication with clients, payment agreements, and any additional information related to the collection process.

Who You Are:

• 5+ years experience in collections, with a focus on banking or fintech industries.
• Experience with CRM software, HubSpot is desirable.
• Strong communication skills, crucial for effective client interactions, negotiations, and maintaining detailed records.
• Extensive experience in ownership and implementation of process and project management within a financial services organization.
• Strong financial analysis skills with the ability to quickly assess customer accounts and formulate appropriate collection strategies.
• Proactive and resilient attitude in addressing account delinquencies and navigating challenging financial discussions.

Why You Should be Excited About This Role:

• Opportunity to join one of the fastest growing Canadian startups in history at an early stage.
• Own your own business critical vertical with direct visibility from C-suite and management.
• Operate cross functionally between all Keep’s teams including ops, engineering, finance, sales and account management.
• Play a significant role in shaping the future of the Canadian fintech industry by ensuring top-notch compliance standards.
• Drive impactful data strategies and initiatives that contribute to the exponential growth of our organization.
• Collaborate with a dedicated team that values innovation, encourages collaboration, and is committed to continual growth and improvement.
• Contribute to the transformation of how businesses perceive and utilize cross-border banking solutions in Canada.

Why Join Keep?

• We're obsessed with investing in data-driven solutions and cutting-edge technologies.
• Be a part of a team that's rewriting the playbook for the Canadian fintech industry.
• Data is the fuel for our growth engine, and you'll be in the driver's seat shaping our data strategies.
• Embrace a fully inclusive and remote-friendly company culture that values diversity and work-life balance.
• Help us bring modern banking solutions to businesses, reshaping the banking experience for our customers.

Why This Might Not Be a Good Fit:

• If you're a stickler for a highly structured environment with constant hand-holding, you might find our culture of autonomy and trust a bit different.
• If you're more of a slow-and-steady-wins-the-race kind of person, our fast-paced, dynamic environment might be a bit of a rollercoaster.
• Given the nature of our industry and our rapid growth, ambiguity, and uncertainty are all part of the ride. If you prefer clear-cut structures or roles, you might find our dynamic environment a bit too adventurous.
• Collaboration is the heartbeat of Keep, and if you prefer to work in your own little bubble without engaging with the wider team, you might find our approach to teamwork a tad unconventional