Default Service Specialist II

First Investors Financial Services, Inc.; Atlanta (GA); On-site; USD 50,000 - 70,000; Full time

Job summary

A leading automotive finance company is seeking a professional to manage complex impound and abandoned vehicle accounts in Atlanta, GA. Responsibilities include processing deceased borrower accounts, ensuring compliance with SCRA, and collaborating with internal departments. Candidates should have 2-3 years of experience in auto finance and excellent analytical and communication skills. An Associate's degree is preferred. The role is full-time with potential for overtime, and travel may be required up to 10%.

Qualifications

• Minimum 2-3 years of experience in auto finance, collections, or consumer lending.
• Experience with complex servicing scenarios like deceased accounts and SCRA compliance.

Responsibilities

• Manage complex vehicle accounts and ensure compliance with laws.
• Process deceased borrower accounts and coordinate with stakeholders.
• Lead exception reporting for letter failures and recommend actions.

Skills

Attention to detail

Analytical skills

Problem-solving skills

Proficiency in Microsoft Office

Communication skills

Knowledge of consumer lending regulations

Education

High School Diploma / GED

Associate or bachelor's degree in business or related field

Tools

Microsoft Excel

Salesforce

Job description

Stellantis Financial Services (SFS) is the new captive finance company for one of the world’s leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys.

Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer’s experience.

Essential Duties and Responsibilities

• Independently manage complex impound and abandoned vehicle accounts, ensuring timely resolution and compliance with applicable laws.
• Process and resolve deceased borrower accounts, including coordination with legal, compliance, and external stakeholders.
• Handle replevin accounts with a thorough understanding of state-specific legal requirements.
• Monitor and enforce compliance with the Soldiers and Sailors Civil Relief Act (SCRA), including account coding, documentation, and audit readiness.
• Generate, validate, and oversee the timely delivery of compliance letters such as Right to Cure (RTC), Notice of Intent (NOI), and Application of Proceeds (AOP), escalating deviations as needed.
• Lead exception reporting efforts for letter failures, missing data, and system errors, and recommend corrective actions.
• Collaborate with internal departments and vendors to resolve escalated servicing issues and ensure alignment with regulatory standards.
• Contribute to workflow analysis and process improvement initiatives to enhance operational efficiency and service quality.
• Other duties may be assigned; responsibilities may change.

Qualifications and Competencies Required

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Required Experience

• Minimum 2-3 years of experience in auto finance, collections, default servicing, or consumer lending.
• Demonstrated experience handling complex servicing scenarios such as deceased accounts, impounds, replevin, and SCRA compliance.

Education

• High School Diploma / GED required

Skills Required

• Advanced attention to detail and accuracy in handling sensitive documentation and compliance letters
• Strong analytical and problem-solving skills with the ability to work independently
• Proficiency in Microsoft Office (Excel, Outlook, Word) and document management systems
• Excellent written and verbal communication skills
• Ability to manage multiple priorities and meet deadlines in a fast-paced environment
• Knowledge of consumer lending regulations and loss mitigation practices

Additional Requirements

• Overtime required – required on an as needed basis.
• Travel 0-10% – as required on an as needed basis.
• Must have reliable transportation and live within a commutable distance to one of the following cities: Atlanta, GA; Dallas, TX

Qualifications Preferred

• Associate or bachelor’s degree in business, Finance, Legal Studies, or related field
• Working knowledge of regulatory requirements such as SCRA, AOP, and state-specific RTC and NOI laws
• Experience with vendor coordination and third-party invoice processing
• Familiarity with Salesforce or other servicing platforms

An applicant must be authorized to work in the United States to be eligible for this position. Stellantis Financial Services, Inc. will not sponsor applicants for work visas of any type for this position.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand; walk and stoop, kneel, crouch, and crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Work Schedule

This position requires the ability to work various shifts to accommodate business needs. Typically, between the hours of 8AM-6PM Monday through Friday and on weekends as needed. Travel is required 10% of the time.

Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.