Collections

Hybrid - In Office and Remote Work

Permanent

3rd July 2026

CrediQ offers innovative Buy Now, Pay Later (BNPL) and Hire Purchase solutions, partnering with leading retailers across sectors such as eyewear, furniture, and appliances to provide consumers with flexible financing options. As we continue to expand our footprint, we remain committed to delivering a seamless and supportive financial experience while making accurate, fast, and responsible credit decisions that support both our business growth and our customers’ financial well-being. This commitment extends throughout the customer lifecycle, including how we manage customer accounts and delinquency, ensuring a balanced approach that promotes financial accessibility and responsible lending.

The Collections Officer is responsible for managing accounts receivable, minimizing delinquency, and securing outstanding payments. This role involves proactive outreach to customers regarding upcoming installments, as well as managing accounts that have fallen past due. The ideal candidate possesses excellent communication skills, a high level of empathy, and the assertiveness required to negotiate payment structures while maintaining a positive brand relationship with our customers.

Proactive Accounts Management & Outreach

• Conduct daily outbound calls, emails, and SMS reminders to customers regarding
• upcoming installment payments to ensure timely account settlement.
• Monitor assigned portfolios to identify accounts approaching due dates or showing early signs of delinquency.

Delinquency & Past-Due Collections

• Contact customers with past-due accounts to determine the reasons for non-payment and secure immediate payments or commitments to pay.
• Negotiate mutually agreeable repayment structures, settlements, or catch-up plans in strict alignment with company policies and relevant credit legislation.
• Overcome objections professionally and handle difficult conversations with composure and firmness.

Documentation & System Updates

• Maintain meticulous, real-time records of all customer interactions, payment promises, and notes within the Loan Management System (LMS).
• Follow up consistently on "promise-to-pay" arrangements to ensure customers honor their commitments.

Dispute Resolution & Customer Service

• Investigate and resolve customer inquiries or disputes regarding account balances, payment history, or installment schedules.
• Collaborate with the merchant partnership and customer support teams if a collection issue is tied to a product or service dispute.

Escalation & Risk Mitigation

• Identify high-risk or non-cooperative accounts and recommend them for advanced recovery procedures or legal escalation.
• Adhere strictly to industry regulations and internal compliance standards regarding fair debt collection practices.

• Experience: Minimum of 2–3 years of experience in credit collections, accounts receivable, or a customer-facing financial services role (experience in Hire Purchase, BNPL, or micro-lending is a major asset).
• Communication: Exceptional verbal and written communication skills with a strong phone presence.
• Negotiation Skills: Proven ability to negotiate effectively, handle conflict, and solve problems under pressure.
• Tech Savviness: Proficiency with CRM software, Loan Management Systems (LMS), an standard office productivity tools (Microsoft Excel, Word).
• Core Traits: Highly organized, results-driven, emotionally resilient, and capable of balancing firmness with empathy.

• Reduction in Portfolio at Risk (PAR) and ageing past-due buckets.
• Percentage of "Promise-to-Pay" (PTP) agreements successfully kept by customers.
• Daily/Weekly outbound call volume and contact rates.
• Accuracy and thoroughness of collection notes and system updates.

• Exceptional attention to detail and accuracy, ensuring customer accounts, payment arrangements, and collection records are maintained with precision and compliance.
• Strong written and verbal communication skills, with the ability to engage customers professionally, negotiate payment solutions, and build positive relationships.
• Excellent organizational and time-management abilities, effectively managing a portfolio of accounts while maintaining accurate documentation and follow-up schedules.
• Ability to prioritize competing demands and meet performance targets, consistently delivering results in a fast-paced, customer-focused environment.
• Strong analytical and problem-solving skills, capable of assessing account risks, identifying payment challenges, and recommending effective recovery strategies.

• Demonstrates professionalism, accountability, and integrity when handling customer accounts, sensitive information, and collection activities.
• Driven by results and operational excellence, with a focus on achieving recovery targets while maintaining a positive customer experience.
• Adaptable and growth-oriented, embracing new technologies, processes, and opportunities for continuous learning in a fast-evolving fintech environment.
• Highly detail-oriented and accurate, ensuring account information, payment records, and collection activities are consistently maintained and documented.
• Self-motivated team player with the ability to work independently, collaborate effectively across departments, and thrive in a fast-paced, performance-driven environment.

• Join a fast-growing fintech team that is transforming how customers access flexible financing solutions across the Caribbean.
• Gain hands-on experience in credit and collections management, developing expertise in customer engagement, payment recovery, and portfolio performance.
• Enjoy competitive compensation and benefits, with opportunities for continuous learning, career advancement, and professional development.
• Work in a collaborative and innovative environment that values accountability, customer service excellence, and personal growth.

CrediQ is an equal opportunity employer committed to fostering a diverse, inclusive, and respectful workplace. We believe that different perspectives and experiences drive innovation and strengthen our team. All qualified applicants will be considered for employment based on their skills, qualifications, and potential, without regard to race, color, religion, sex, gender identity or expression, sexual orientation, national origin, age, disability, or any other characteristic protected by applicable law.