Default Service Specialist II

Stellantis Financial Services (SFS) is the captive finance company for one of the world's leading automakers and mobility providers with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move, and Leasys. Our growth provides opportunities to advance your career as we expand our products and services. Join our team and contribute to enhancing our customers' experience.

About the role

The Default Services Specialist II executes advanced servicing functions across Retail and Lease portfolios, emphasizing compliance with consumer lending laws, regulatory standards, and internal policies. This role requires expertise in loss mitigation, legal documentation, and specialized servicing procedures. The Specialist handles complex account scenarios, collaborates with internal departments and third-party vendors, and contributes to process optimization.

Responsibilities

• Independently manage complex impound and abandoned vehicle accounts, ensuring timely resolution and compliance with applicable laws.
• Process and resolve deceased borrower accounts, coordinating 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.
• Perform other duties as assigned; responsibilities may change.

Requirements

• 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.
• High School Diploma or GED required.
• Overtime required as needed.
• Travel 0-10% as required.
• Must have reliable transportation and live within a commutable distance to one of the following cities: Atlanta, GA; Dallas, TX.
• Must be authorized to work in the United States; Stellantis Financial Services will not sponsor work visas for this position.

Skills

• 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.

Qualifications (Preferred)

• Associate or bachelor's degree in Business, Finance, Legal Studies, or a 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 are representative of those required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform these functions.

• Regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear.
• Occasionally required to stand, walk, stoop, kneel, crouch, or crawl.
• Must occasionally lift and/or move up to 10 pounds.
• Specific vision abilities required include close vision.

Work Environment

The work environment characteristics described 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 these functions.

• Moderate noise level in the work environment.

Schedule

• Ability to work various shifts to accommodate business needs, typically between 8 AM–6 PM, Monday through Friday, and on weekends as needed.
• Travel required up to 10% of the time.