First Help Financial
First Help Financial
First Help Financial yra automobilių finansavimo įmonė, siekianti išplėsti sąžiningai įkainotų automobilių paskolų prieinamumą vartotojams, kurių tradicinės finansų įstaigos gali nepastebėti arba kurių riziką gali įvertinti netiksliai. Daugiau nei dešimtmetį klientus aptarnaujanti įmonė padeda skolininkams viso skolinimosi proceso metu – nuo paraiškos pateikimo iki visiško paskolos grąžinimo. Ji teikia daugiakalbį klientų aptarnavimą ir daug dėmesio skiria ilgalaikiam finansiniam supratimui. Įmonės misija grindžiamoje kultūroje pabrėžiama partnerystė, įvairovė, įsitraukimas į bendruomenę ir patikimas aptarnavimas.

Legal and Deficiency Recovery Manager

Lead legal recovery and compliance programs for post-charge-off deficiency accounts. Oversee consumer lending compliance, collection agencies, outside counsel, and multistate recovery operations.

Aprašymas

  • Set eligibility standards for escalating deficiency-balance accounts to legal recovery.
  • Maintain controlled records, audit account routing, and approve changes to escalation thresholds.
  • Track the legal escalation pipeline and assess exceptions.
  • Maintain compliance records and supporting audit trails.
  • Review and approve settlement letters for compliance with the FDCPA and state laws.
  • Review and approve deficiency collection scripts and settlement authority guidelines.
  • Manage legal and compliance reporting in the collections KPI package.
  • Prepare quarterly updates for the Board and raise significant issues with leadership.
  • Review consumer-facing materials and processes for FDCPA and UDAAP compliance.
  • Develop and maintain a state-by-state assessment of legal viability for deficiency collections.
  • Ensure collection strategies reflect loan attributes and document ECOA compliance.
  • Manage bankruptcy filings and maintain SCRA compliance.
  • Coordinate responses to CFPB inquiries, state attorney general matters, and regulatory consumer complaints.
  • Develop and deliver compliance training for post-charge-off staff.
  • Assess third-party collection agencies for compliance practices, call recording, data security, and experience.
  • Oversee ongoing agency compliance reviews, call audits, complaint tracking, performance monitoring, and corrective actions.
  • Oversee third-party BPO partners.
  • Evaluate and select outside counsel.
  • Manage referrals, case outcomes, and recovery costs.
  • Review vendor contracts for required compliance terms.
  • Draft, maintain, and version-control policies and procedures.
  • Manage collections litigation with outside counsel and maintain a litigation log.
  • Identify legal risks and recovery gaps, then implement solutions.
  • Advise collections staff on legal and compliance matters.
  • Hire and develop direct reports as the program expands.

Reikalavimai

  • At least five years of experience in legal operations, compliance management, or collections oversight in consumer lending, auto finance, or a third-party collection agency.
  • A record of career stability.
  • Specific experience in non-prime or subprime auto lending.
  • Working knowledge of the FDCPA, UDAAP, and relevant state consumer protection laws governing post-charge-off collections.
  • Experience managing bankruptcy filings across a consumer lending portfolio.
  • Experience handling SCRA compliance for servicemember accounts.
  • Experience managing outside counsel relationships, including defining work, reviewing bills, managing timelines, and addressing performance concerns.
  • Experience in or alongside a deficiency recovery operation.
  • Experience creating or leading a post-charge-off deficiency recovery program from inception.
  • Experience managing legal collections across multiple states, including knowledge of states that prohibit wage garnishment.
  • Experience coordinating with outside counsel on deficiency lawsuits and post-judgment enforcement.
  • Ability to independently interpret collections performance data.
  • Bachelor’s degree required.
  • A JD, paralegal certification, or CRCM credential is preferred but not required.
  • Experience building or administering an agency compliance monitoring program is strongly preferred.
  • Experience at a non-prime auto lender or servicer is strongly preferred.

Privalumai

  • Health and welfare coverage, including medical, dental, vision, LTD/STD, and identity theft protection.
  • Paid parental leave.
  • Paid vacation.
  • 401(k) matching.
  • Tuition reimbursement.
  • Social activities.
  • Monthly lunches.
  • Employee recognition and talent development program.
  • Healthy work-life balance.
  • Career growth opportunities.
  • Career planning and development.
  • Interview accommodations for people with special needs.

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