Bilingual (French) Credit Analyst - Flexiti Call Centre (Remote)

About Us

Flexiti is one of Canada’s fastest growing fintech lenders. We aim to make our customers’ lives more affordable and help our retail partners grow their sales by offering flexible financing options. Through our award-winning omni-channel platform, customers can be approved instantly to shop with their FlexitiCard®, which they can use online or in-store to make multiple purchases, within their credit limit, without needing to reapply.

At Flexiti, we work hard, we love what we do, and we have some fun along the way! If you are looking for an energizing and innovative work environment with great people and big ideas, we’d love to have you join us!

To learn more about Flexiti, please visit www.flexiti.com

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Flexiti is looking for a Bilingual Credit Analyst to join its Credit Team. Reporting into the Operations Supervisor, the Bilingual Credit Analyst will be part of a team performing financially based assessment activities. The right person will have good judgement, high emotional intelligence, and the ability to problem-solve and influence to find a mutually beneficial solution.

You will have flexibility to work from home with the expectations that you will need to attend events and training at our contact center location as needed. Details around the remote working program at Flexiti will be shared with you as part of the recruitment process.

Our hours of operation: Monday to Sunday, 9:00am – 12:30am (midnight). Shifts will rotate within these hours of operation.

This remote position is starting Monday September 11, 2023.

Growth At Our Company

“I started as a Customer Service Representative for the Internet Lending product at Cash Money Head Office in 2014. I was promoted to Internet Lending Team Lead in 2016, and promoted again to Supervisor for the Opt+ MasterCard team. In September 2021, I decided to apply to a newly created Call Center Recruiter role and moved over to Corporate. I now am part of the growing CURO Talent Acquisition Team!”

~ Usama Hafeez, Call Center Recruiter – Canada

“I started as a Customer Service Representative for Cash Money Head Office in 2016. I was working under Internet Lending and then cross trained between Opt+ MasterCard and LendDirect. In 2017, I was promoted to LendDirect Team Lead and then shortly after in 2018, I was promoted to Supervisor for LendDirect. CURO Financial acquired Flexiti Financial in 2021 and that is when I applied, interviewed, and hired to be their Credit Supervisor!”

~ Asad Hussain, Flexiti Credit Supervisor – Canada

What You Will Be Doing

• Merchant support.
• Report customer feedback by adhering to established escalation matrix.
• Validate and verify applicants over the phone to mitigate application fraud.
• Provide exceptional customer service while responding to all inbound risk inquiries; including by not limited to the following call types:
• Pending applications due to fraud or credit risk.
• Credit Limit increases.
• Adjudication of select applications pended for fraud risk.
• Review supporting documentation to confirm applicant identity customer requests for increased credit limit assignment.
• Adjudication of applications pended for credit. Review to determine eligibility based on credit guidelines.
• Adhere to established departmental escalation procedures, Quality Standard Guidelines, and requirements and controls in relation to PCI compliance standards.
• Remain tactful and composed when handling conflict and stressful situations while maintaining high level of customer service and retaining goodwill.
• Support merchants with completing the application process for point of sale/real time credit application process.

Why You Would Love To Work Here

• Our innovative culture promotes on-going learning opportunities with training and mentorship.
• We provide all the computer equipment for you to perform your job and set-up support.
• The opportunity to be a part of an award-winning, fast-growing company which was ranked among Canada’s Top Growing Companies for the fourth year in a row in 2022!
• Optional Employee Advances which are processed through the KOHO Financial Instant Pay service. (Ask us more about this!)
• Paid, best-in-class, trainer-lead, remote training beginning on your first day.
• A comprehensive Total Rewards Program including potential bonus incentives, competitive compensation, and a company Group RRSP program.
• We’ve reduced our physical corporate office footprint, reflecting our commitment to be remote/hybrid first.
• Using an online booking system, our team members are still able to use the Toronto office and local branches to meet and collaborate.
• Must be able to meet the minimum work from home requirements, including hi-speed internet in your home (min. 50 Mbps download & 5 Mbps upload speeds), must be hardwired to your home modem using the provided ethernet cable, and a quiet work space.
• Full benefits eligibility on DAY 1. Includes employer paid health and dental coverage.

What You Should Have

• Experience in fraud detection/application verification/fraud investigation an asset.
• You must be able to work full-time based on your assigned shift, including having the flexibility and willingness to work rotational shifts based on business needs and special circumstances.
• Demonstrated ability to exercise judgment skills required in dealing with moderately complex situations.
• Ability to hardwire (Ethernet) your company provided equipment directly to your home router.
• You have the ability to work in a quiet, private place in your home where you can work without background noise.
• Must be able to meet the minimum work from home requirements, including hi-speed internet in your home (min. 50 Mbps download & 5 Mbps upload speeds), must be hardwired to your home modem using the provided ethernet cable, and a quiet work space.
• Excellent oral and written communication skills in English and French.
• Demonstrated analytical and problem-solving skills within time restraints.
• Excellent communication skills (listening/verbal/written) with emphasis on active listening, probing and negotiation skills – interpersonal skills are essential.
• Minimum of 1-2 years of experience in credit card or financial sector.
• Personal qualities shall include adaptability, flexibility even-temperament, focused and reliability.
• Minimum of 1-2 years Customer Service experience, previous Call Centre experience.
• Strong knowledge of PCs, and proficiency in MS Word, Excel, and Outlook are an asset
• Experience in credit lending/adjudication/collections an asset.

Key Words: Customer Service, Call Center, Credit Analyst, Financial Services, Retail, Credit Cards, Bank Teller, French

Flexiti embraces diversity. We are committed to building a team that represents a variety of backgrounds, perspectives, and skills. All qualified applicants will receive consideration without regard to race, ancestry, place of origin, colour, ethnic origin, citizenship, creed, sex, sexual orientation, disability, age, marital status, or family status. If you require disability-related accommodation during the application or interview process, simply let us know and we’ll work with you to ensure you have a positive experience.

NOTICE: Please upload your resume in .pdf or .doc format.