SUBPRIME FINANCE MANAGER

Heighton Auto Group; Ottawa; On-site; CAD 96,000 - 120,000; Full time

Benefits offered by this job

Performance-based commissions

Lenders relationships

Training & development

Growth opportunities

Job summary

Heighton Auto Group is seeking a Subprime Finance Manager to join our automotive finance team in Ontario. You will structure approvals, work with lenders, and help customers secure financing while maximizing profitability.

You’ll collaborate with sales and service teams to deliver exceptional customer experiences, stay current on lender programs, and maintain OMVIC compliance in a high-volume dealership setting.

Qualifications

• Previous Automotive Finance & Insurance (F&I) experience preferred.
• Experience working with subprime lenders and credit-challenged customers is a strong asset.
• OMVIC certification is considered an asset.
• Valid driver's license with a clean driving record.

Responsibilities

• Structure and secure financing solutions for customers with diverse credit situations.
• Build strong relationships with banks, manufacturer finance companies, and subprime lenders.
• Present and sell finance products including: Extended warranties, Mechanical breakdown protection, GAP coverage, Credit protection products, Other aftermarket products and services.
• Prepare and process all required finance documentation accurately and efficiently.
• Manage contract funding, submissions, registrations, and lender communications.
• Maintain full compliance with OMVIC, provincial, and federal regulations.
• Stay current on lender programs, incentives, finance options, and dealership initiatives.
• Deliver an outstanding customer experience from approval through vehicle delivery.
• Work collaboratively with the sales team to maximize approvals and customer satisfaction.
• Resolve customer concerns professionally and effectively.

Skills

Automotive finance

F&I experience

Negotiation

Relationship building

Communication skills

Education

OMVIC certification (asset)

Tools

Dealership Management Systems

Job description

Are you a high-performing automotive finance professional who thrives on helping customers secure financing solutions while maximizing profitability?

Carloft Orleans is looking for an ambitious, customer-focused Subprime Finance Manager to join our growing team. This is an exciting opportunity for someone who has a passion for automotive finance, enjoys working with lenders, and thrives in a fast-paced, high-volume dealership environment.

You’ll work closely with customers, lenders, and sales professionals to structure approvals, secure financing, and deliver exceptional customer experiences while building long-term relationships.

Why Join Us?

• High earning potential with performance-based commissions
• Established relationships with major lenders and subprime finance providers
• Ongoing training and professional development
• Growth opportunities within one of Ontario's expanding automotive groups
• Dynamic and supportive team environment

What You'll Do

• Structure and secure financing solutions for customers with diverse credit situations.
• Build strong relationships with banks, manufacturer finance companies, and subprime lenders.
• Present and sell finance products including:
  • Extended warranties
  • Mechanical breakdown protection
  • GAP coverage
  • Credit protection products
  • Other aftermarket products and services
• Prepare and process all required finance documentation accurately and efficiently.
• Manage contract funding, submissions, registrations, and lender communications.
• Maintain full compliance with OMVIC, provincial, and federal regulations.
• Stay current on lender programs, incentives, finance options, and dealership initiatives.
• Deliver an outstanding customer experience from approval through vehicle delivery.
• Work collaboratively with the sales team to maximize approvals and customer satisfaction.
• Resolve customer concerns professionally and effectively.

What We're Looking For

• Previous Automotive Finance & Insurance (F&I) experience preferred.
• Experience working with subprime lenders and credit-challenged customers is a strong asset.
• OMVIC certification is considered an asset.
• Valid driver's license with a clean driving record.
• Strong communication, negotiation, and relationship-building skills.
• Proven ability to meet and exceed sales and finance targets.
• Self-motivated, organized, and detail-oriented.
• Comfortable working in a fast-paced dealership environment.
• Strong computer skills and experience using dealership management systems.
• Positive attitude with a commitment to exceptional customer service.

Compensation

Expected Earnings: $96,000 to $120,000+ annually

• Unlimited earning potential for top performers

Heighton Auto Group is an equal opportunity employer committed to fostering an inclusive workplace. Accommodations are available throughout the recruitment process in accordance with applicable legislation. If you require accommodation, please let us know. Heighton Auto Group does not use AI to screen, assess, or interview candidates.