Collections Analyst

**Our Journey at Keep**:
At Keep, we embarked on a mission started by a powerful question: Why hasn't the banking experience caught up with the rapid pace of technology?

This continues to fuel our passion for reshaping the Canadian fintech landscape. We provide businesses with a comprehensive suite of cross-border banking services, offering everything from credit cards to deposit accounts, currency conversions, and revenue financing.

With a team of seasoned global startup veterans with successful exits, Keep is committed to leading the charge as Canada's next-generation fintech institution. Backed by VCs in the fintech sector, we're racing ahead, expanding our reach and impact like never before.

**About the Role**:
Join us at Keep as a Collections Ops Specialist, 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.
- Account Monitoring: Regularly review and monitor accounts to identify delinquent payments or accounts at risk of becoming delinquent.
- Outreach to Delinquent Clients: Contact clients who have missed payments or have overdue balances to remind them of their obligations and inquire about the reasons for non-payment.
- Payment Negotiation: Negotiate payment plans or settlements with clients based on their financial circumstances and the company's policies
- Documentation: Maintain detailed records of all communication with clients, payment agreements, and any additional information related to the collection process.
- Communication with Sales and Underwriting Teams: Collaborate with the sales and underwriting teams to share insights into client behavior and creditworthiness to improve lending decisions.
- Process Improvement: Continuously assess and improve collection strategies and processes, utilizing data analytics and technology to enhance efficiency and effectiveness.

**Who You Are**:

- Possess 2-3 years of experience in collections, customer service, or financial services, emphasizing practical knowledge in debt recovery.
- Proficient in collections/CRM software, utilizing these tools for efficient account monitoring and management.
- Exhibit strong communication skills, crucial for effective client interactions, negotiations, and maintaining detailed records.
- Demonstrate high emotional intelligence and empathy, essential in managing sensitive customer situations and preserving client trust.
- Proactive and resilient attitude in addressing account delinquencies and navigating challenging financial discussions.

**Why You Should be Excited About This Role**:

- ** Forge Your Path**: Step in as our first Collections Ops Specialist and become a key player in establishing robust collections protocols, making a substantial impact on our company's foundation and future.
- ** Be at the Innovation Frontline**: Play a crucial role in a fintech environment where your contributions drive technological and strategic advancements, redefining customer experience in the financial industry.
- ** Unmatched Growth Opportunity**: Thrive in a startup culture where quick adaptation and continual learning are the norms, offering a steep and rewarding professional growth curve.
- ** Shape Industry Standards**: Your expertise will help set new benchmarks in effective, customer-friendly financial interactions, positioning our company as a trailblazer in the fintech sector.

**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 unconventi