Collection Agent
CGI Credit Guard is currently looking for individuals with excellent and persuasive communication skills to work as debt collectors. Debt collection experience is required. Duties include contacting and resolving outstanding accounts with individuals and businesses owing to our clients.
In addition to salary (based on experience), CGI Credit Guard offers a generous monthly bonus system.
You will work alongside an experienced and motivated collection team in an environment that promotes creative thinking in order to produce the best results for our clients. This position is permanent, full time.
Responsibilities
Contacting Debtors:
- Initiate contact with individuals or businesses who have outstanding debts.
- Communicate effectively to discuss overdue payments and negotiate payment plans.
Investigating Debts:
- Gather and verify information about debtors, including contact details and financial information.
- Research and understand the reasons behind non-payment or delinquency.
Maintaining Accurate Records:
- Document all communication with debtors accurately and thoroughly.
- Update and maintain detailed records of payment arrangements and agreements.
Compliance with Regulations:
- Ensure compliance with local and national debt collection regulations.
- Stay informed about industry regulations and updates.
Negotiation and Settlement:
- Negotiate settlements or payment plans that are mutually acceptable to both the debtor and the creditor.
- Provide clear information about consequences of non-payment.
Adhering to Company Policies:
- Follow company policies and procedures regarding debt collection practices.
- Work within ethical guidelines and legal requirements.
Customer Service:
- Provide professional and respectful customer service to debtors.
- Address inquiries and concerns in a timely and courteous manner.
Skip Tracing:
- Use skip tracing techniques to locate debtors who have changed contact information.
Reporting:
- Prepare and submit regular reports on the status of accounts and collections efforts.
- Communicate progress and challenges to supervisors.
Liaison with Legal Team:
- Collaborate with legal departments when legal action is required.
- Provide necessary documentation and information for legal proceedings.
Meeting Targets:
- Meet or exceed collection targets and goals set by the organization.
- Work efficiently to maximize recovery rates.
Continuous Learning:
- Stay informed about industry trends, regulations, and best practices.
- Participate in training sessions to enhance skills and knowledge.
Conflict Resolution:
- Handle disputes and conflicts professionally, seeking resolutions that align with company policies.
Team Collaboration:
- Collaborate with colleagues, supervisors, and other departments as necessary.
Skills/Experience
Communication Skills:
- Clear and effective verbal communication to negotiate payment terms and discuss financial matters with debtors.
Negotiation Skills:
- Ability to negotiate and reach mutually beneficial agreements on payment plans or settlements.
Empathy:
- Understanding and empathizing with the financial challenges and situations of debtors while maintaining professionalism.
Persuasion:
- Persuasive skills to encourage debtors to fulfill their financial obligations.
Organization:
- Strong organizational skills to manage and maintain accurate records of debtor information, payment plans, and communications.
Attention to Detail:
- Paying attention to details, especially when documenting communication and updating debtor records.
Adaptability:
- Ability to adapt to different debtor situations, payment scenarios, and changes in the collection process.
Resilience:
- Resilience in dealing with rejection or difficult interactions while remaining focused on collection goals.
Legal Knowledge:
- Understanding of basic legal aspects related to debt collection, including knowledge of regulations and compliance requirements.
Problem-Solving:
- Effective problem-solving skills to address challenges and find solutions to facilitate debt recovery.