Default Service Specialist II

About the role

Stellantis Financial Services (SFS) is the captive finance company for one of the world’s leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys. The Default Services Specialist II executes advanced servicing functions across 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 incumbent will handle complex account scenarios, collaborate with internal departments and third-party vendors, and actively contribute to process optimization efforts.

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.

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 / GED required.

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.

Additional Requirements

• Overtime 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.

Preferred Qualifications

• Associate or bachelor’s 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.

Pay

The hourly pay range for this position is $23.00 to $25.00 per hour, based on experience, qualifications, and skills.

Schedule

Hybrid role with two in-office days per week. Standard hours are either 8:00 AM to 5:00 PM or 9:00 AM to 6:00 PM, Monday through Friday. Occasional schedule flexibility, weekend work, and up to 10% travel may be required to meet business needs.