Finance Director - San Diego, CA

Ever Cars•San Diego, CA

1d•Onsite

About The Position

Ever is hiring a Finance Director to own the finance and insurance (F&I) vertical for its San Diego location. Reporting to the GM, this leader will manage the site Finance Managers and oversee F&I strategy, operations, profitability, compliance, and performance. The role involves working in stores to review deals, coach managers, and improve how F&I processes are carried out in practice. The Finance Director will own lender strategy and relationships, the protection-product portfolio and margins, the F&I menu and presentation standards, compensation design, and the compliance and training framework. The role also owns back-end gross performance, contract accuracy, funding speed, and F&I reporting used by management. Success includes improving and sustaining per-unit back-end gross as volume grows, keeping F&I staff certified and deal files audit-ready without recurring disclosure or documentation findings, and reducing funding delays, kickbacks, rewrites, and contracts in transit. This is an on-site position in San Diego, with availability required during high-volume periods, weekends, and month-end close.

Requirements

At least 7 years of automotive F&I experience, including at least 3 years leading F&I managers or serving as a corporate or regional F&I leader.
Demonstrated record of improving back-end gross and product penetration without increasing compliance risk or customer complaints.
Deep working knowledge of lender programs, reserve structures, and protection-product economics, with established lender and product-provider relationships.
Command of the regulatory framework governing F&I, including Truth in Lending, Equal Credit Opportunity and adverse action, and applicable state requirements.
Experience leading managers, including hiring, performance management, and building certification and training programs.
Hands-on experience designing or restructuring F&I compensation plans.
Comfort with a modern DMS and menu environment, and ability to analyze deal-level data rather than rely only on summary reports.

Nice To Haves

Experience in electric vehicle retail or a direct-to-consumer sales model where much of the deal occurs before the customer arrives.
Experience in a used-vehicle-only operation.
AFIP certification or equivalent.
Experience establishing an F&I function or standardizing it across sites that had been operating independently.

Responsibilities

Own F&I profitability, including product penetration, reserve, and per-unit back-end gross, and develop plans to improve each measure.
Own the lender panel, buy rates, reserve structure, and program terms, and manage lender relationships affecting approval depth and funding speed.
Select, price, and manage the protection-product lineup and provider relationships, balancing customer value and margin.
Define and standardize the F&I menu and customer presentation across sites.
Build and maintain the F&I compliance framework and certification program, including disclosure accuracy, adverse-action handling, rate and product integrity, and documented training.
Own contract accuracy and time to funding, and reduce contracts in transit, kickbacks, and rewrites through process improvements.
Own F&I reporting for management, including performance by site, manager, and product, and analyze performance drivers.
Lead site Finance Managers, review deals in stores, coach managers, and improve execution.
Design or restructure F&I compensation plans.
Hire and manage people, and build certification and training programs.