Legal Account Specialist

Join one of Canada’s fastest-growing companies and be part of something extraordinary – welcome to goeasy! At goeasy, our people and culture are at the heart of everything we do, and we’re proud to be recognized for it. We’ve earned prestigious accolades such as Waterstone Canada’s Most Admired Corporate Cultures, Canada’s Top Growing Companies, and the TSX30, highlighting us as one of the top performers on the TSX. We’re also honoured to be named a Greater Toronto Top Employer and recognized by Great Place to Work® as having the Best Workplaces for Women & Most Trusted Executive Teams, and included on TIME Magazine’s 2025 list of Canada’s Best Companies. These honours reflect our commitment to fostering an inclusive, high-performance culture where talent thrives and innovation drives us forward.

As one of Canada’s leading alternative consumer lenders, we’re passionate about helping everyday Canadians create a brighter future. Our vision is to provide a path to a better tomorrow, today. We offer a full range of products, including non-prime leasing, unsecured and secured loans, and point-of-sale financing through easyhome, easyfinancial, and LendCare.

If you're seeking an exciting, high-growth environment where your contributions truly matter, we want to hear from you! Join us, and together, let's create a future of financial empowerment.

Job Overview

Reporting to the Team Manager, Paralegal, the Legal Account Specialist is responsible for managing a portfolio of mainly charged-off consumer accounts through all stages of the legal collection lifecycle. This includes negotiating payment arrangements, preparing and filing Small Claims Court actions, obtaining judgments, conducting post-judgment enforcement activities, and identifying opportunities to resolve accounts prior to legal action. The successful candidate will combine legal knowledge, collections expertise, negotiation skills, and investigative techniques to maximize recoveries while delivering a professional and compliant customer experience.

What will you be doing?

• Demonstrate compassion, professionalism, and empathy by understanding customers' financial circumstances and working collaboratively to identify appropriate repayment solutions.
• Manage a portfolio of mostly charged-off consumer accounts throughout all stages of the legal collections lifecycle, from pre-litigation negotiations through post-judgment recovery activities.
• Review accounts and determine the most effective recovery strategy, including settlement opportunities, payment arrangements, litigation, or judgment enforcement.
• Draft, prepare, file, and manage Small Claims Court pleadings, motions, affidavits, garnishments, examinations, and other legal documents with a high degree of accuracy and attention to detail.
• Monitor court timelines and legal milestones to ensure compliance with procedural requirements and timely progression of files through the legal process.
• Negotiate payment arrangements, settlements, and voluntary repayment solutions with customers to maximize recoveries while avoiding unnecessary legal escalation.
• Conduct detailed financial discussions with customers to identify income sources, assets, employment information, and repayment capacity.
• Develop and execute post-judgment recovery strategies, including judgment debtor examinations, garnishments, writs, and other enforcement remedies where permitted.
• Perform skip tracing and investigative activities using internal systems, public records, and third-party resources to locate customers, employers, assets, and recovery opportunities.
• Maintain accurate and comprehensive file documentation, ensuring all collection, legal, and enforcement activities are recorded in accordance with company policies and regulatory requirements.
• Attend court appearances, settlement conferences, motions, examinations, and trials as required.
• Identify and recommend opportunities to improve recovery performance, reduce legal cycle times, and enhance operational efficiencies within the legal collections process.
• Consistently achieve or exceed recovery, productivity, quality, and compliance objectives established for the legal collections program.

What experience do you have?

• Collections experience and/or knowledge of Small Claims Court will be an asset
• Strong verbal and written communication skills
• Professional profeciency in French is an asset
• Excellent computer skills and the ability to adapt to company systems
• Comfortable working independently and in a team environment
• A proactive mindset with the ability to consistently meet or exceed monthly targets.
• Valid driver’s license and vehicle for court appearances (mileage reimbursed)
• Fulltime availability (40 hours/week) and ability to work in our head office in Pickering, ON

Additional Requirements for Internal Candidates:

• Must have been in your current role for 9 months.
• Have the endorsement / support of your current manager.
• Must not be currently under corrective action or within 6 months of any previous corrective action.
• Must be achieving or exceeding the required level of individual performance in your current role.

We are offering $40,300.00 - $45,000.00/year CAD for this role, plus the opportunity to earn monthly bonuses.

We’re committed to attracting and rewarding top talent. Our compensation ranges are thoughtfully designed to reflect market competitiveness, internal equity, and the experience and impact each candidate brings to the role.

At goeasy, we believe transparency fosters trust — and that rewarding performance with fair, competitive pay and meaningful growth opportunities is key to our success.

Should your total compensation expectations fall above the posted range, we still encourage you to apply. If selected for an interview, you’ll have the opportunity to discuss this with our recruitment team, as there may be flexibility based on your background and overall fit.

This posting is for an existing vacancy within our team.

Diversity, Inclusion, and Equal Opportunity Employment:

At goeasy, we believe that we can only be the best when people are able to bring their best selves to work every day. goeasy is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. As an equal opportunity employer, we are committed to providing accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process. Please let the talent acquisition team know if you require an accommodation during any aspect of the recruitment process and we will work with you to address your needs.

Additional Information:

All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience to qualify for hire. We thank all interested applicants; however, we will only be contacting those for interview who possess the skills and qualifications outlined above.