Credit Agent - Bilingual

Company Description

Alterfina is a fast-growing company reinventing alternative consumer financing.
Our mission: to offer credit solutions that are tailored, human, and responsible.

We aim to become the preferred alternative financing solution for Canadians by helping them overcome immediate financial challenges while equipping them to build healthy long-term financial habits.

Our five core values—respect, integrity, empathy, innovation, and excellence—guide everything we do and shape our culture.

Joining Alterfina means becoming part of a dynamic team where your role has a direct impact on the company’s success… and on our customers’ lives.

Purpose of the Role

The Credit Agent’s main responsibility is to support the company by analyzing and approving financing applications. Their primary role is to review bank statements and documents for each file, verify identity and income, assess repayment capacity, detect signs of fraud, ensure compliance, and accompany approved customers through to the disbursement stage.

What You’ll Do Daily

• Analyze financing applications by reviewing three months of transactions: income stability, declined payments, recurring expenses, existing obligations, balance fluctuations, etc.

• For certain files, validate and detect anomalies in identity documents, proof of income (pay stubs, Notice of Assessment, benefits), employment letters, and proof of address.

• Calculate debt load and repayment capacity to support decision-making.

• Ensure each file is complete and compliant before disbursement.

• Document decisions and justification in the system; maintain a high level of accuracy for quality reviews and compliance.

• Contact approved customers to finalize agreements, explain conditions, and answer questions.

• Ensure outstanding customer service.

• Perform any other related tasks assigned by the immediate supervisor.

Your Profile

You’re the right person if you are or have…

• Bilingual, both spoken and written.

• College diploma (DEC).

• At least two years of experience in a credit or financing role.

• Known for your efficiency, rigor, and strong organizational skills.

• Strong analytical capabilities and attention to detail.

• Recognized for your positive attitude and improvement mindset.

• Ability to adapt quickly and easily.

• Strong customer service orientation.

• Skilled at building trust quickly with customers.

• Known as a team player.

• Ability to build and maintain strong interpersonal relationships.

• Comfortable working with financial software/tools.

Why You’ll Love Working at Alterfina

• A culture that values your autonomy and judgment.

• Hybrid work: 3 days remote + 2 days in our beautiful Saint-Hubert office.

• Recognized work–life balance (Concilivi certification!).

• Comprehensive insurance, telemedicine, and EAP.

• Group RRSP with employer contribution.

• Generous vacation, 5 sick days, and 2 personal days.

Looking for a position where your contribution has a real impact? Join us!

The masculine form in this description is used solely to lighten the text.