Default Service Specialist II

Stellantis Financial Services • Atlanta, GA

13h

About The Position

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.

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
• 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
• 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

Nice To Haves

• 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

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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED