Lead Credit & Collections Coordinator (NextGear Capital)

CAI Cox Automotive Corp Svcs., LLC; Indianapolis (IN); Hybrid; USD 30,000 - 45,000; Full time

Job summary

Cox Automotive - USA is hiring for a Lead Credit & Collections Coordinator within the Finance job family. This individual contributor role offers hybrid work with a mandatory in-office day on Wednesdays and an hourly base pay range of $22.02–$33.08, with potential for variable compensation.

The Core Underwriter function emphasizes underwriting deals from $50K to $999K, combining analytical insight with strong decision-making in a fast-paced environment.

Qualifications

• High School Diploma/GED required; 7+ years in a related field, or an equivalent combination of education and experience.
• Alternative combinations: degree/certification with fewer years.
• Experience in auto or financial services is preferred but not required.

Responsibilities

• Underwrite and decision loan packages ranging from $50K to $999K for new and existing dealers.
• Pull, analyze, and interpret credit reports for business and individual applicants.
• Research bankruptcy records, tax liens, and judgments to weigh repayment ability.
• Investigate UCC file positions under the business applicant’s legal name online.
• Collaborate with Performance Managers/Directors, legal, and risk professionals to support customers and prospects.

Skills

Interpersonal skills

Analytical thinking

Decision making

Teamwork

Education

High School Diploma/GED

7+ years experience or equivalent

9 years experience alternative

Job description

Company Cox Automotive - USA Job Family Group Finance Job Profile Lead Credit & Collections Coordinator Management Level Individual Contributor Flexible Work Option Hybrid - Ability to work remotely part of the week Travel % No Work Shift Day Compensation Hourly base pay rate is $22.02 - $33.08/hour. The hourly base rate may vary within the anticipated range based on factors such as the ultimate location of the position and the selected candidate’s knowledge, skills, and abilities. Position may be eligible for additional compensation that may include commission (annual, monthly, etc.) and/or an incentive program.

Job Description The Core Underwriter is an individual contributor role responsible for underwriting deals ranging from $50K to $999K. This position requires a strong combination of interpersonal, analytical, and decision-making skills. The ideal candidate will possess substantial drive, self-motivation, and team spirit to effectively handle the volume requirements of the job. This is a hybrid role with Wednesday being a mandatory in-office day.

Primary Responsibilities

Underwrite and decision loan packages ranging from $50K to $999K for new and existing dealers through extensive analysis of performance data, providing an in-depth evaluation of strengths and weaknesses in loan requests. Pull, analyze, and interpret credit reports for both business and individual applicants. Research relevant bankruptcy records, tax liens, and judgments to weigh applicants' business or personal ability and willingness to repay NextGear Capital obligations. Investigate UCC (Uniform Commercial Code) file positions under the business applicant’s legal name through various websites. Investigate UCC (Uniform Commercial Code) file positions under the business applicant’s legal name through various websites. Work closely with Performance Managers/Directors, legal professionals, and risk professionals to provide seamless service to existing customers and prospects.

Qualifications

High School Diploma/GED and 7 years’ experience in a related field. OR the right candidate could also have a different combination, such as any level degree/certification beyond a HS diploma/GED in a related discipline and 5 years’ experience; OR 9 years’ experience in a related field.

Preferred: Prior work experience in Auto or Financial service industry is preferred but not required.

Physical Requirements

Majority of work is performed in a normal office environment (regional office, home office or similar). Ability to communicate both in person and/or by telephone.

Drug Testing

To be employed in this role, you’ll need to clear a pre-employment drug test. Cox Automotive does not currently administer a pre-employment drug test for marijuana for this position. However, we are a drug-free workplace, so the possession, use or being under the influence of drugs illegal under federal or state law during work hours, on company property and/or in company vehicles is prohibited.

Benefits

Employees are eligible to receive a minimum of sixteen hours of paid time off every month and seven paid holidays throughout the calendar year. Employees are also eligible for additional paid time off in the form of bereavement leave, time off to vote, jury duty leave, volunteer time off, military leave, and parental leave. Benefits of working at Cox may include health care insurance (medical, dental, vision), retirement planning (401(k)), and paid days off (sick leave, parental leave, flexible vacation/wellness days, and/or PTO). For more details on what benefits you may be offered, visit our benefits page.

About Us

Through groundbreaking technology and a commitment to stellar experiences for drivers and dealers alike, Cox Automotive employees are transforming the way the world buys, owns, sells – or simply uses – cars. Cox Automotive employees get to work on iconic consumer brands like Autotrader and Kelley Blue Book and industry-leading dealer-facing companies like vAuto and Manheim, all while enjoying the people-centered atmosphere that is central to our life at Cox. Benefits of working at Cox may include health care insurance (medical, dental, vision), retirement planning (401(k)), and paid days off (sick leave, parental leave, flexible vacation/wellness days, and/or PTO). For more details on what benefits you may be offered, visit our benefits page. Cox is an Equal Employment Opportunity employer – All qualified applicants/employees will receive consideration for employment without regard to that individual’s age, race, color, religion or creed, national origin or ancestry, sex (including pregnancy), sexual orientation, gender, gender identity, physical or mental disability, veteran status, genetic information, ethnicity, citizenship, or any other characteristic protected by law. Cox provides reasonable accommodations when requested by a qualified applicant or employee with disability, unless such accommodations would cause an undue hardship. EOE, including disability/vets Applicants must currently be authorized to work in the United States for any employer without current or future sponsorship. No OPT, CPT, STEM/OPT or visa sponsorship now or in future. Cox brings together the world’s greatest minds to help breathe life into new possibilities – and drive innovation for a better future. That’s why we look for individuals who share our pioneering spirit, have imaginative ideas, and are fearless when it comes to tackling the world’s biggest challenges. Our people love technology – and they love making a difference. They have a passion for finding new solutions and working with brilliant colleagues. Every day they dedicate themselves to a huge range of exciting projects, contributing to the Cox vision around the globe. From engineering new sustainability solutions that conserve water and energy to creating the infrastructure for the smart cities of tomorrow, there’s no challenge too great for our pioneers. And there’s no shortage of opportunities for you to make a difference. Come and experience the dynamic, collaborative and creative environments where your ideas are welcome and new discoveries are waiting. To help you grow to your full potential, we strive to support our employees in their career aspirations and promote the freedom to explore new horizons.