Default Service Specialist II

Stellantis Financial Services (SFS) is the new captive finance company for one of the worlds leading automakers and a mobility provider with iconic brands including Abarth Alfa Romeo Chrysler Citron 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 experience.

Position Summary:

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 bachelors 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.

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.