If you are looking for more than a job, join FLEXITI to start your career in January 2023!

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 January 16, 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 with CURO in November 2014. I wanted to start at a Company I could see myself growing with and had worked on the phones during college. A little over a year later, and my hard work became noticed, and I was given an opportunity to learn even more about the business. Since entering my current role as a JR. Dialer Manager, I have worked with Internet lending, Customer Relations, Quality, Title, Marketing, Training, and IT, on various projects and made a few friends along the way. I am very happy to have found a company where I can grow personally and professionally."

~ Matthew Steffen, Jr. Dialer Manager – Wichita

"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:

• 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.
• Merchant support.
• Adjudication of applications pended for credit. Review to determine eligibility based on credit guidelines.
• Adjudication of select applications pended for fraud risk.
• Validate and verify applicants over the phone to mitigate application fraud.
• Review supporting documentation to confirm applicant identity customer requests for increased credit limit assignment.
• Support merchants with completing the application process for point of sale/real time credit application process.
• Adhere to established departmental escalation procedures, Quality Standard Guidelines, and requirements and controls in relation to PCI compliance standards.
• Report customer feedback by adhering to established escalation matrix.
• Remain tactful and composed when handling conflict and stressful situations while maintaining high level of customer service and retaining goodwill.

Why you would love to work here:

• 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!
• A comprehensive Total Rewards Program including potential bonus incentives, competitive compensation, and a company Group RRSP program.
• Full benefits eligibility on DAY 1. Includes employer paid health and dental coverage.
• Paid, best-in-class, trainer-lead, remote training beginning on your first day.
• Our innovative culture promotes on-going learning opportunities with training and mentorship.
• 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.
• Optional Employee Advances which are processed through the KOHO Financial Instant Pay service. (Ask us more about this!)
• We provide all the computer equipment for you to perform your job and set-up support.

What you should have:

• Minimum of 1-2 years Customer Service experience, previous Call Centre experience.
• Minimum of 1-2 years of experience in credit card or financial sector.
• Experience in credit lending/adjudication/collections an asset.
• Experience in fraud detection/application verification/fraud investigation an asset.
• Excellent communication skills (listening/verbal/written) with emphasis on active listening, probing and negotiation skills – interpersonal skills are essential.
• Demonstrated analytical and problem-solving skills within time restraints.
• Strong knowledge of PCs, and proficiency in MS Word, Excel, and Outlook are an asset
• Personal qualities shall include adaptability, flexibility even-temperament, focused and reliability.
• Demonstrated ability to exercise judgment skills required in dealing with moderately complex situations.
• You have the ability to work in a quiet, private place in your home where you can work without background noise.
• Ability to hardwire (Ethernet) your company provided equipment directly to your home router.
• 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.
• Excellent oral and written communication skills in English and French.

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