Auto Default Specialist at Stellantis Financial Services US Atlanta, GA

Stellantis Financial Services US; Atlanta (GA); On-site; USD 42,000 - 52,000; Full time

Benefits offered by this job

Medical insurance

Dental & Vision

401k plan

PTO – vacation, holidays, flex days,  

Educational assistance

Employee Assistance Program

Long-term disability

Wellness program

Marketplace discounts

Vehicle purchase/lease program

Job summary

Stellantis Financial Services US in Atlanta seeks a Default Services Specialist to oversee default servicing activities for Retail and Lease portfolios, ensuring compliance with consumer lending laws and company policies. The role involves collaborating with internal teams, borrowers and vendors to implement loss mitigation strategies.

Responsibilities include updating letters (NOI, AOP, RTC), automating processes with Risk, Compliance and Digital teams, supervising vendors, maintaining records,

Qualifications

• High School Diploma required.
• Bachelor degree in Business, Finance, or related field preferred.

Responsibilities

• Ensure default servicing activities comply with laws and company policies.
• Collaborate with Covis or other vendors to update state requirement letters and reports.
• Monitor NOI, AOP, and RTC letters for accuracy and timeliness.
• Assist in automating processes with Risk Management, Compliance, and Digital teams.
• Provide dashboards and reports to management on performance and workloads.
• Maintain detailed records of all loan communications and actions for compliance.
• Support process improvements within Default Services.

Skills

Communication

Attention to detail

Analytical skills

MS Excel

MS Word

PowerPoint

MS Access

Team player

Multitasking

Overtime

Education

High School Diploma

Bachelor degree (preferred)

Tools

MS Office Suite

Job description

Salary and Benefits

Starting at $22 per hour. Supplemental pay: referral bonus opportunities. Schedule: 8‑hour shift, Monday‑Friday, 8:00am–5:00pm. Hybrid schedule, 2–3 days in the Atlanta office or as business needs. Dress: comfortable business casual work environment.

Other Benefits

• Medical, Prescription Drug, Dental, Vision
• MDLive / Telemedicine
• 401k plan
• PTO – vacation, holidays, flex days, sick days
• Educational assistance
• Employee Assistance Program
• Long‑term disability
• Wellness program
• Optional and voluntary benefits / marketplace discounts
• Employee vehicle purchase/lease program discount

Position Summary

The Default Services Specialist will ensure that all default servicing activities for Retail and Lease portfolios are handled promptly and in compliance with consumer lending laws and regulations, as well as company policies and procedures. The role involves working closely with internal teams, borrowers, and third‑party vendors to facilitate loss mitigation strategies. Responsibilities include problem solving, analyzing work methods to improve effectiveness, and effective communication with management to achieve departmental and corporate goals.

Essential Duties and Responsibilities

• Collaborate with Covis or other vendors to maintain the legal letter database and keep Compliance and other departments informed of changes to state requirements.
• Ensure default services letters such as Notice of Intent (NOI), Application of Proceeds (AOP), and Right to Cure (RTC) are accurate, completed timely, and deviations are immediately reported to management.
• Assist in automating processes with Risk Management, Compliance, and Digital teams.
• Support the Specialized Services team and ensure customer satisfaction and adherence to applicable laws.
• Audit and monitor outsourcing vendors, providing dashboard reporting to management.
• Update the Default Services Process/Procedures and maps to reflect changes to law and/or regulations.
• Handle inquiries from Compliance on CFPB, state, and local audit requests.
• Work closely with internal departments—including legal, compliance, and loan servicing teams—to resolve complex default‑related issues.
• Maintain detailed records of all communications and actions taken on each loan file in compliance with company policies and regulatory requirements.
• Support the development of strategies, workflow processes, and process management for Default Services Process Improvement.
• Support and implement reporting mechanisms to keep management apprised of performance levels, developing trends, and workloads.
• Actively participate in meetings with team members and management in developing long‑term and short‑term departmental objectives and goals.
• Stay up to date on internal and external laws and regulations, including unique requirements at the federal and state level for both Lease and Retail portfolios.
• Handle cross‑channel business deliverables as assigned.
• Assist in the development and implementation of best practices for the department.
• Provide reports on internal and external metrics as requested.
• Ensure vendor invoices are reviewed for accuracy, appropriate services performed, and payments processed timely.
• Provide training and assistance to non‑exempt employees on related processes and laws.
• Responsible for ensuring performance objectives are met, complying with corporate policy, and upholding federal and state regulations.
• Other duties may be assigned.

Qualifications and Competencies Required

• Experience: Minimum of 2 years of combined experience in at least two of the following areas: Customer Service, Legal, Recovery, Repossession, Remarketing, Bankruptcy, or Ancillary Products and Processes (e.g., Total Loss, GAP Insurance, Loan Documentation).
• Education: High School Diploma.
• Skills: Excellent communication skills; detail‑oriented with strong analytical abilities; advanced knowledge of MS Excel, Word, PowerPoint, and Access; capacity to work in a flexible team environment; ability to handle multiple priorities, ensuring deadlines are met or negotiating new timelines; flexible schedule; creative thinking; embraces change and challenges the status quo. Overtime may be required on an as‑needed basis. Must have reliable transportation and live within a commutable distance to Atlanta, GA.

Qualifications Preferred

Education: Bachelor degree in Business, Finance, or a related field.

Physical Demands & Work Environment

The job requires regular sitting; use of hands, fingers, and arms; occasional standing, walking, stooping, kneeling, crouching, or crawling; occasional lifting of up to 10 pounds. Vision requirements include close vision. The work environment is usually moderate noise level and may require travel approximately 10% of the time. Work schedule may require various shifts to accommodate business needs.

Equal Employment Opportunity

Stellantis Financial Services, Inc. is an equal‑opportunity employer. We are committed to providing an environment free of harassment, discrimination, and intimidation. We comply with all applicable employment laws and regulations and provide equal opportunity for all qualified persons. Employment decisions are based solely on merit, qualifications, and ability. Candidates must possess authorization to work in the United States.