Default Service Specialist II

Stellantis Financial Services US; Dallas (TX); On-site; USD 45,000 - 65,000; Full time

Job summary

Stellantis Financial Services US in Dallas, TX, is seeking a Default Services Specialist II to manage complex impound, deceased borrower, and replevin accounts with a focus on regulatory compliance and loss mitigation.

You will collaborate with internal teams and vendors to resolve escalated servicing issues, generate compliance letters, and drive process improvements while ensuring audit readiness and adherence to SCRA.

Qualifications

• Minimum 2–3 years in auto finance, collections, or consumer lending.
• Experience handling complex servicing scenarios (deceased accounts, impounds, replevin, SCRA).
• High School Diploma / GED required.
• Knowledge of consumer lending regulations and loss mitigation.

Responsibilities

• Independently manage complex impound and abandoned vehicle accounts, ensuring timely resolution.
• Process and resolve deceased borrower accounts with coordination with legal/compliance.
• Handle replevin accounts with state-specific requirements.
• Monitor and enforce compliance with SCRA, including coding and audit readiness.
• Generate and oversee letters like RTC, NOI, and AOP, escalate deviations as needed.
• Lead exception reporting for letter failures and data/system errors.
• Collaborate with internal teams and vendors to resolve escalated servicing issues.
• Contribute to workflow analysis and process improvements for efficiency.

Skills

Attention to detail

Analytical thinking

MS Office proficiency

Written and verbal communication

Multitasking / time management

Regulatory compliance knowledge

Education

High School Diploma / GED

Associate or Bachelor's degree

Tools

Salesforce

Job description

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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.

The Default Services Specialist II is responsible for executing advanced servicing functions across both Retail and Lease portfolios, with a strong emphasis on compliance with consumer lending laws, regulatory standards, and internal policies. This role requires deep expertise in loss mitigation strategies, legal documentation, and specialized servicing procedures. As a subject matter expert, the Default Services Specialist II will handle complex account scenarios, collaborate with internal departments and third-party vendors, and actively contribute to process optimization efforts. Success in this role demands strong analytical capabilities, sound judgment, and clear communication with leadership to support both departmental initiatives and broader organizational goals.

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

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, or 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.

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.

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.

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.