Finance Director - San Diego, CA

Ever; San Diego (CA); On-site; USD 180,000 - 260,000; Full time

Benefits offered by this job

Comprehensive medical, dental, and eye

401(k)

Paid time off

Sick time

Job summary

Ever in San Diego, CA, seeks a Finance Director to own the F&I vertical across sites, shaping lender strategy, product portfolio, menus, compensation design, and compliance frameworks. You will lead the Finance Managers, review deals, coach teams, and close gaps between ideal F&I practices and on-the-ground execution.

You will drive end-to-end F&I performance, ensure regulatory compliance, and standardize processes to improve funding speed and contract accuracy across locations.

Qualifications

• 7+ years in automotive F&I leadership with track record of growing back-end gross and margins.
• Proven ability to lead F&I managers or regional leaders across multiple sites.
• Deep knowledge of lender programs, reserve structures, and protection product economics.
• Solid understanding of the regulatory framework: TILA, ECOA, adverse action, state rules.

Responsibilities

• Own back-end gross performance and product penetration strategies.
• Manage lender panel, buy rates, reserve structures, and program terms.
• Define and price the protection product lineup to balance value and margin.
• Create a single menu and presentation standard used at all sites.
• Build and maintain F&I compliance framework and training programs.
• Own contract accuracy, time to funding, and reduce in-transit deals.
• Provide leadership reporting on site, manager, and product performance.

Skills

F&I leadership

Performance track record

Lender and product depth

Regulatory fluency

People leadership

Comp plan experience

Systems fluency

Job description

Ever is building the future of auto retail. As the first AI-native auto retail platform, we are building the next $100B+ automotive business, starting with electric vehicles. Our AI-native product and operations power our full-stack auto retail business, serving EV buyers and sellers across the nation, both online and offline.

Based out of San Francisco and expanding nationwide, we are backed by leading investors and led by former tech & automotive professionals from Uber, Tesla, Rivian, Lithia, Penske, Carvana, Lyft, Meta, J.P. Morgan, BCG, and more. After our recently completed Series A financing, we have raised $100M in total equity and debt funding. We are growing rapidly and actively recruiting exceptional talent to join our mission of building the next-generation auto retail platform. Learn more about us at evercars.com.

The Role

As Finance Director, you own the finance and insurance vertical across your respective location. You will work on the lender strategy, the product portfolio, the menu and presentation standard, the compensation design, and the compliance framework, and you own the back-end gross result that comes out of it.

Reporting to the GM and based in San Diego, you will lead the site Finance Managers. You are in the stores reviewing deals, coaching managers, and closing the gap between how F&I is supposed to work & how it actually works on a Saturday afternoon.

Key Responsibilities:

What You'll Do

• Back-end gross performance - Own F&I profitability including product penetration, reserve, and per-unit back-end gross, with a clear plan to move each one.
• Lender strategy & relationships - Own the lender panel, buy rates, reserve structure, and program terms, and manage the relationships that determine approval depth and funding speed.
• Product portfolio & margin - Select, price, and manage the protection product lineup with the providers behind it, balancing customer value against margin.
• Menu & presentation standard - Define one menu and one presentation standard used identically at every site, so the customer experience does not change based on which store they walk into.
• Compliance & training program - Build and maintain the F&I compliance framework and the certification program behind it, covering disclosure accuracy, adverse action handling, rate and product integrity, and documented training for every person who touches a deal.
• Deal quality & funding - Own contract accuracy and time to funding, and drive down contracts in transit, kickbacks, and rewrites through process rather than escalation.
• Reporting to leadership - Own the F&I reporting that management uses, including performance by site, by manager, and by product, with the analysis of what is driving the number.

What Good Looks Like

• Back-end gross moves - Per-unit back-end gross climbs toward the industry benchmark for the segment and holds there as volume scales.
• Clean compliance record - Every F&I team member is certified and current, deal files hold up to audit, and there are no repeat disclosure or documentation findings.
• Faster, cleaner funding - Contracts fund faster with fewer kickbacks and rewrites, and contracts in transit stay inside target.

Qualifications & Fit

• F&I leadership - 7+ years in automotive F&I with at least 3 years leading F&I managers or as a corporate or regional F&I leader.
• Performance track record - A demonstrated record of raising back-end gross and product penetration without raising compliance risk or customer complaints.
• Lender and product depth - Deep working knowledge of lender programs, reserve structures, and protection product economics, with real relationships on both sides.
• Regulatory fluency - Command of the regulatory framework governing F&I, including Truth in Lending, Equal Credit Opportunity and adverse action, and applicable state requirements.
• People leadership - Experience leading managers, not just individual contributors, including hiring, performance management, and building certification and training programs.
• Comp plan experience - Hands-on experience designing or restructuring F&I compensation plans and living with the results.
• Systems fluency - Comfort in a modern DMS and menu environment, with the analytical ability to work from deal-level data rather than summary reports.

Nice to Have

• EV and DTC experience - Background in electric vehicle retail or a direct-to-consumer sales model where much of the deal happens before the customer arrives.
• Used vehicle depth - Experience in a used-vehicle-only operation, where product mix and lender fit carry more weight.
• Compliance credentials - AFIP certification or equivalent.
• Build-from-scratch experience - Experience standing up an F&I function or standardizing one across sites that had been running independently.
• Benefits: Comprehensive medical, dental, and vision coverage; 401(k); PTO and sick time.

Location

• San Diego, CA - On-Site Required. No remote or hybrid arrangements. Availability required during high-volume periods, weekend hours, and month-end close.