Trade Credit Manager

Our employees are at the heart of everything we do. Together, we help people, businesses, and society prosper in good times and be resilient in bad times.

Our employee promise represents Intact’s commitment to you in exchange for living our Values, striving to do your best work, being open to change and investing in your career. In return, we promise to provide support, opportunities and performance-led financial rewards at a workplace where you can shape the future, win as a team and grow with us.

About the role

As a Trade Credit Manager, you will be part of a top performing claims team serving all of North America under Intact Insurance. You will be responsible for both handling and managing, analyzing, responding to and resolving trade credit insurance claims. The team will depend on your expertise to ensure thoroughness in your file analysis, particularly with regard to coverage, liability, quantum and collection activities.

Principal Duties and Responsibilities

• Respond to and investigate trade credit insurance claims both by supervising others and handling large complex claims directly.
• Review coverage under the policy.
• Determine if all conditions precedent to coverage have been meet.
• Review and apply policy deductibles and co-insurance in order to determine amount of coverage available under the policy. 
• Participate in bankruptcy process, submit proof of claim and work with trustee to resolve carrier’s claim.
• Work with underwriters and brokers to resolve pre-claim notices and other financial issues.  
• Subrogate, collect and negotiate settlements with creditors for amounts paid to Insured. 
• Manage all administrative aspects of claims files.
• Develop working relationships with underwriters and producers to successfully review and troubleshoot claims notices and review pre-claim financial issues.
• Work within the financial authority granted and seek approval for transactions in excess of one’s authority
• Record and communicate in a timely and effective manner all actions taken on a file to support the decision made.
• Manages assigned staff, including development, goal setting, skill assessment, staff selection, role alignment, and performance appraisals of staff.   Provides frequent communication and measurement of goals. Oversees training and personal development programs within the group.
• Reports directly to the VP of Claims.

Decision-Making Authority/Accountability Level

• Under minimal supervision, this position is responsible for the file quality and customer service results of his/her unit.  Provides oversight to ensure resolution of issues related to coverage, liability and damages.
•  Responsible for the activities and decisions of staff and has authority to make decision regarding high exposure claim settlements.  Must be fully versed in insurance exposures, state insurance laws, corporate underwriting positions, and claims management philosophy. 
• Claims decisions significantly impact the financial results of the company.
• Must have the skills needed to manage a staff.  Has the authority to hire, fire and other aspects of performance management.

Minimum Knowledge, Skill, and Ability Requirements

• Must possess high level skills and extensive claims technical knowledge including products and industry.  Legal climate background is essential for associated business unit.
• Exceptional management skills, including informal training and formal development of staff. 
• Must have superior analytical, negotiation, decision making, problem solving, organizational and presentation skills.  Must be a proven self-starter with strong mulit-tasking and relationship management skills.
•  Must be able to communicate professionally and effectively including expert oral, written and listening skills.  Must be able to work both independently and as a member of a team and have the ability to interact with diverse groups of individuals. 
• Requires the ability to maintain confidential information.  Must be able to work in a fast pace and rapidly changing environment.
•  Demonstrated proficiency with computer software including Microsoft Office suite and other Claims tracking tools. 
• Must maintain strong professional knowledge of industry trends, legislative issues and the marketplace for associated line of business.

Education and Experience Preferred

• Post-secondary degree in law, business administration, finance or accounting preferred.
• 5+ years of experience in Trade Credit.
• 3-5 years of supervisory/management experience.
• Bilingual proficiency in English and French is preferred. "Need to interact on a regular basis with colleagues across the country."

Supervisory Responsibility

• This position will have 2+ direct reports.
• Oversees the direction of all claim files and personnel within the department/unit.  Decisions impact the financial results of the company.
• Accountable for the decisions made, and actions taken by direct reports.
• Responsible for ensuring that their team achieves service standards and annual business objectives.

Necessary Tasks

• Computer and phone use required.
• Must be able to read data from a computer screen or from documents.
• Ability to travel within North America for business purposes.

Other Information

This job description is intended to describe the general nature and level of work being performed by employees assigned to this job.  Employees will be expected to complete other duties as assigned by their manager. 

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What we offer

Working here means you'll be empowered to be and do your best every day. Here is some of what you can expect as a permanent member of our team:

• A financial rewards program that recognizes your success

• An industry leading Employee Share Purchase Plan; we match 50% of net shares purchased

• An extensive flex pension and benefits package, with access to virtual healthcare

• Flexible work arrangements

• Possibility to purchase up to 5 extra days off per year

• An annual wellness account that promotes an active and healthy lifestyle

• Access to tools and resources to support physical and mental health, embracing change and connecting with colleagues

• A dynamic workplace learning ecosystem complete with learning journeys, interactive online content, and inspiring programs

• Inclusive employee-led networks to educate, inspire, amplify voices, build relationships and provide development opportunities

• Inspiring leaders and colleagues who will lift you up and help you grow

• A Community Impact program, because what you care about is a part of what makes you different. And how you contribute to your community should be just as unique.

We are an equal opportunity employer

At Intact, our Value of respect is founded on seeing diversity as a strength. We strive to create an accessible workplace where employees feel valued, included and encouraged to share their unique perspectives.

We encourage applications from individuals who are members of equity-deserving groups, including but not limited to women, Indigenous peoples, persons with disabilities, Black people, and members of the 2SLGBTQI+ community.

As part of Intact’s commitment to reconciliation, we acknowledge that we work, meet and travel across the land currently called Canada, originally inhabited by First Nations, Metis and Inuit people. This history extends through many centuries and continues to evolve today.

We have policies to ensure equal access and participation for people with disabilities, including providing workplace adjustments (accommodations). A copy of applicable policies is available on request.

If we can provide a specific adjustment to make the recruitment process more accessible for you, please let us know when we reach out about a job opportunity. We’ll work with you to meet your needs.

Learn more about our recruitment process and your candidate journey here.

If you are an employee of Intact or belairdirect, please apply for this role on Internal Career Site.