Default Service Specialist II

Stellantis Financial Services • Dallas, TX

16h

About The Position

The Default Services Specialist II executes advanced servicing functions across Retail and Lease portfolios, with an emphasis on compliance with consumer lending laws, regulatory standards, and internal policies. The role requires expertise in loss mitigation strategies, legal documentation, and specialized servicing procedures. As a subject matter expert, the specialist handles complex account scenarios, collaborates with internal departments and third-party vendors, and contributes to process optimization. Success requires analytical ability, sound judgment, and clear communication with leadership to support departmental and organizational goals.

The position typically works between 8 AM and 6 PM, Monday through Friday, with various shifts as needed to accommodate business needs and weekends as needed. Overtime may be required on an as-needed basis. Travel is required, stated as 0–10% and also as 10% of the time. The employee must have reliable transportation and live within commuting distance of Atlanta, Georgia, or Dallas, Texas. The work environment typically has a moderate noise level.

Requirements

• At least 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.
• Advanced attention to detail and accuracy when handling sensitive documentation and compliance letters.
• Strong analytical and problem-solving skills, including the ability to work independently.
• Proficiency in Microsoft Office (Excel, Outlook, and 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.
• Ability to work various shifts to accommodate business needs, typically between 8 AM and 6 PM Monday through Friday, and on weekends as needed.
• Overtime required on an as-needed basis.
• Travel required, described as 0–10% and also as 10% of the time.
• Reliable transportation and residence within commuting distance of Atlanta, GA, or Dallas, TX.
• Must be authorized to work in the United States; the employer will not sponsor work visas.
• Physical ability to regularly sit, use hands to finger, handle, or feel, reach with hands and arms, and talk or hear; occasionally stand, walk, stoop, kneel, crouch, or crawl; and occasionally lift and/or move up to 10 pounds. Close vision is required.

Nice To Haves

• 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.

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 in accordance with 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 timely delivery of compliance letters, including Right to Cure (RTC), Notice of Intent (NOI), and Application of Proceeds (AOP), escalating deviations as needed.
• Lead exception reporting 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 regulatory alignment.
• Contribute to workflow analysis and process improvement initiatives to enhance operational efficiency and service quality.
• Perform other duties as assigned; responsibilities may change.

What This Job Offers

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