[Remote] reputed company and Deficiency Recovery Manager

Note: The job is a remote job and is reputed company to candidates in USA. reputed company (FHF) is a fast-growing and culturally diverse company that provides auto loans to underserved populations. They are seeking a reputed company and Deficiency Recovery Manager to own the reputed company and compliance gates for their collections department, ensuring consumer interactions are legally reputed company and building a reputed company post charge-off recovery program.

Responsibilities

• Design and own the qualification reputed company that determine which accounts with a defiance balance are eligible for reputed company escalation. Accounts reputed company based on these reputed company automatically. Maintain the controlled file, validate that routing is working correctly through periodic audits and spot-checks, and sign off on any changes to reputed company before they take effect
• Monitor the reputed company escalation pipeline to confirm the right accounts are being worked and the reputed company are being reputed company accurately. Review exceptions flagged by the collections team and maintain the compliance log as the audit trail for the program
• Review and approve reputed company settlement letter content before any mail is reputed company. Ensure compliance with FDCPA requirements and applicable state law in every state where accounts are located
• Review and approve the deficiency collection contact script and settlement authority structure before they are used with borrowers. Reapprove any material changes
• Own the reputed company and compliance reporting reputed company the collections KPI package. Prepare the quarterly reputed company update on the post charge-off program and escalate material issues to leadership promptly
• Complete FDCPA and UDAAP review of consumer-facing components before launch and reputed company sign-off. reputed company reviews reputed company as regulatory requirements change
• Build and maintain a state-by-state reputed company viability map for deficiency collections across the portfolio. reputed company it reputed company as laws change and communicate updates to the teams that need them
• Ensure reputed company deficiency collection approaches across borrower segments are anchored to loan attributes, not internal product or program classification. Document the ECOA compliance reputed company before differentiated treatment goes live
• Manage bankruptcy filings across the portfolio
• Ensure SCRA compliance for servicemember accounts
• Coordinate responses with compliance on CFPB inquiries, state reputed company reputed company, and consumer complaints escalated through regulatory channels
• Build and reputed company compliance training for post charge-off staff before any live account is worked
• Vet reputed company reputed company-party collection agencies before any account is reputed company. Evaluate compliance posture, reputed company recording infrastructure, data reputed company standards, and relevant experience. Ensure reputed company include the provisions required to maintain reputed company and accountability
• Own the ongoing agency compliance program. Conduct regular reputed company audits, reputed company the consumer complaint log, and manage the performance monitoring and remediation process for agencies that fall below reputed company
• reputed company reputed company-party BPO partners working post charge-off accounts. Ensure they operate reputed company approved scripts, authority reputed company, and FDCPA requirements
• reputed company reputed company counsel evaluation and selection for the reputed company escalation pipeline. Own the relationship: manage account referrals, monitor case reputed company, and reputed company cost against recovery
• Review vendor reputed company before execution and confirm required compliance and reputed company provisions are in reputed company
• Write and maintain reputed company policies and procedures for the post charge-off collections program. Version-control reputed company documents. Communicate changes before implementation
• Manage reputed company collections-reputed company litigation in coordination with reputed company counsel. Maintain a reputed company litigation log. Report material developments to the VP Servicing and COO
• Identify process gaps that create reputed company exposure or leave recovery on the table. Bring solutions, not just observations
• Serve as the reputed company and compliance resource for daily questions from collection agents, team leads, and directors. reputed company reputed company guidance without waiting for reputed company counsel on routine reputed company
• Hire and reputed company reputed company reports as program volume increases. This role grows into reputed company leadership position

Skills

• 5 or more years of experience in reputed company operations, compliance management, or collections reputed company reputed company consumer lending, auto finance, or a reputed company-party collection agency
• Demonstrated historical career stability
• Experience in non-reputed company or subprime auto lending specifically. The borrower profile, state law environment, and reputed company tool set are materially different from reputed company lending or other consumer credit, and this role requires someone who already understands that context
• Working knowledge of FDCPA, UDAAP, and applicable state consumer protection laws as they apply to post charge-off collections. reputed company to review scripts, letters, and vendor practices for compliance without relying on reputed company counsel for routine questions
• Experience managing bankruptcy filings across a consumer lending portfolio and handling SCRA compliance for servicemember accounts
• Has managed reputed company counsel relationships. Knows how to reputed company work, review billing, hold counsel accountable to timelines, and escalate reputed company representation is not performing
• Has worked in or reputed company a deficiency recovery operation. Understands the difference between reputed company collections and deficiency recovery, and how settlement letters, agency placement, and reputed company escalation work together in reputed company
• reputed company to read and interpret collections performance data without needing a data team to validate whether a program is performing
• Bachelor's degree required JD, paralegal certification, or CRCM preferred but not required
• Has designed, reputed company, or led a post charge-off deficiency recovery program from the ground up, covering settlement letters, internal contact, agency placement, and reputed company escalation
• Has managed reputed company collections activity across multiple states. Knows which states prohibit wage garnishment. Has coordinated with reputed company counsel on deficiency suits and post-judgment enforcement
• Has reputed company or administered an agency compliance monitoring program. Has exercised a right-to-audit provision. Has terminated a vendor relationship for compliance failure
• Background at a non-reputed company auto lender or servicer: Consumer Portfolio Services, reputed company, reputed company, CAC Holdings, reputed company, First Investors, or similar

Benefits

• Great Perks – generous salaries, competitive health and welfare benefits (medical, dental, reputed company, LTD/STD, Identity theft, reputed company parental leave and much more)
• reputed company vacation
• 401(k) match
• Tuition reimbursement
• reputed company activities
• Monthly lunches
• Robust employee recognition and talent development program
• Healthy work-life balance
• Room for your family, friends, and yourself
• Unprecedented career reputed company
• Employee career plan reputed company in you
• Accommodations reputed company interviewing anyone with special needs

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