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RBC

Recoveries Officer- EN

Montreal, QC, Canada

Job type: Full-time
Apply by: Oct 7, 2026
Experience: 2+ years Recoveries/Collections experience
Posting language: English
Posted: Sep 29, 2026

Apply About employer

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Original job description

Job Description

What's the opportunity?

The Recoveries Officer is responsible for recovering outstanding balances on Personal Loans and Card Products, utilizing RBC Credit Management & Recoveries methodologies. Analyze all client information available and to assess the maximum recovery potential by providing repayment options to clients, recommendations for litigation or third party collection agencies.

What will you do?

Initiate outbound calls and receive incoming client calls
Identify risk situations and escalate if and when appropriate
Provide recommendations for litigation or third party collection activity in cases where the liability status could not be recovered through normal collection activity
Maintain a balance between quality Customer Care and effective negotiation techniques
Embrace the service routines, goal setting and performance enablement
Take ownership and resolve issues, ensuring operational risk mitigation and compliance are achieved
Act as a referral point for other team members, in order to deliver a seamless, simpler, faster, and a better client experience
Foster collaboration within your team and convergence across partners to support RBC’s One Client, One Bank vision

What do you need to succeed?

Must-have

In this role, you will communicate and interact frequently with RBC partners and/or employees located across Canada and/or worldwide.
2+ years Recoveries/Collections experience
Strong written and verbal communication skills
Proficient in using MS Excel, Word and Outlook
Proven negotiation, analytical and decision making ability
Strong Organizational and Multi-tasking skills
Strong understanding of the balance between customer service and business risk mindset
Able to work the set shift of 8am to 4pm, Monday to Friday which includes a Saturday shift on a monthly rotation 8am-4pm and 1 late night shift weekly 12pm-8pm

Nice-to-have

Knowledge of CAC's, CASPER, OLBB, OLMS, TS2, Sales Platform, Bankruptcy & Collection Highways
Knowledge of Personal Products, Loans, Mortgages, Overdrafts and Business Products
Previous experience in managing a portfolio

What’s in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

A comprehensive Total Rewards Program
Leaders who support your development
Ability to make a difference and lasting impact
Opportunity to take on progressively greater accountabilities

RBC is committed to supporting flexible work arrangements when and where available. Details to be discussed with Hiring Manager

RBC requires as a condition of employment that all successful candidates in the United States and Canada be fully vaccinated against COVID-19 prior to their start date, and may require proof of the same. Reasonable accommodation is available where required by law

Job Skills

Collections Experience, Communication, Customer Experience (CX), Decision Making, Multitasking, Negotiation, Operational Risks, Oral Communications, Risk Mitigation Strategies

Additional Job Details

Address:

MEADOWVALE BUSINESS PARK, 6880 FINANCIAL DR:MISSISSAUGA

City:

Mississauga

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

PERSONAL & COMMERCIAL BANKING

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-08-20

Application Deadline:

2026-10-07

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

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Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com</a/span>

RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.

Apply About employer

More about this job

Responsibilities

Recover outstanding balances on personal loans and card products by assessing client information, negotiating repayment options, and recommending litigation or third-party collections when appropriate. Handle client calls, identify and escalate risks, resolve issues in compliance with operational requirements, and support a consistent client experience through collaboration with colleagues and partners.

Requirements

Requires at least two years of recoveries or collections experience, strong written and verbal communication, proficiency with Microsoft Excel, Word, and Outlook, and demonstrated negotiation, analytical, decision-making, organizational, and multitasking abilities. Candidates must balance customer service with business risk and be available for the specified weekday, monthly Saturday, and weekly late-night shifts; familiarity with listed banking systems and products is an asset.

Skills

Collections
Communication
Customer Service
Negotiation
Analytical Skills
Decision Making
Multitasking
Organization
Risk Mitigation
Operational Risk Management
Microsoft Excel
Microsoft Word
Microsoft Outlook
Portfolio Management
Litigation Recommendations

Benefits

Comprehensive Total Rewards Program
Professional Development
Flexible Work Arrangements

Visa sponsorship

Not detected in the job text

Keywords

Recoveries
Collections
Personal Loans
Card Products
Credit Management
Repayment Options
Litigation
Third-Party Collection Agencies
Customer Care
Negotiation
Risk Identification
Operational Risk
Compliance
Portfolio Management
Microsoft Excel
Microsoft Word
Microsoft Outlook
CAC
CASPER
OLBB
OLMS
TS2
Sales Platform
Bankruptcy
Collection Highways
Mortgages
Overdrafts
Business Products

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