Legal and Deficiency Recovery Manager
New
F
First Help FinancialAuto Finance
Remote/Anywhere within the USAFull-TimeManager
SalaryFull total compensation package at $130,000
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Job Details
- Experience
- 5 or more years
Requirements
- 5+ years of experience in legal operations, compliance management, or collections oversight.
- Specific experience in non-prime or subprime auto lending.
- Strong working knowledge of FDCPA, UDAAP, and applicable state consumer protection laws.
- Experience managing bankruptcy filings and SCRA compliance.
- Demonstrated experience managing outside counsel relationships, billing, and performance.
- Proven experience working in or alongside a deficiency recovery operation.
- Ability to analyze collections performance data independently.
- Bachelor's degree required.
- Understanding of settlement letters, agency placement, and legal escalation processes.
- Background in non-prime auto lending (e.g., Westlake Financial, DriveTime, or similar) preferred.
- JD, paralegal certification, or CRCM certification preferred.
Responsibilities
- Design and own qualification criteria for legal escalation of deficiency balances.
- Review and approve all settlement letter content and collection scripts for regulatory compliance.
- Manage and audit third-party collection agencies and BPO partners.
- Oversee outside counsel selection, referrals, and performance monitoring.
- Maintain regulatory compliance for FDCPA, UDAAP, and SCRA across the portfolio.
- Develop and maintain the state-by-state legal viability map for collections.
- Manage bankruptcy filings and coordinate responses to regulatory inquiries.
- Provide compliance training for post charge-off staff.
- Write and maintain all program policies, procedures, and version-controlled documentation.
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