Lease Credit Manager

Stellantis Financial Services•Auburn Hills, MI

About The Position

Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citron, Dodge, DS Automobiles, Fiat, Jeep, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys. Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer experience. Position Summary: The Lease Credit Manager is responsible for managing a team of Lease Credit Analysts, overseeing daily operations to ensure optimal performance and success. The manager monitors and reviews the lease portfolio and ensures Lease Credit Analysts make sound credit decisions while providing excellent customer service with our dealership partners.

Requirements

Minimum 4 years auto finance industry experience.
Minimum 3 years experience as a Sr. Credit Analyst or similar position.
High school diploma and/or GED
In-depth knowledge of auto underwriting, lease terminology, and leasing processes.
Strong organizational and time management skills to prioritize workload and meet deadlines.
Leadership qualities with the ability to motivate and inspire team members to achieve goals.
Strong problem-solving skills with the ability to analyze complex situations and make sound decisions beyond the scope of written policies or standard guidelines.
Proficient in using originations software and Microsoft Office Suite of products.
Ability to perform and understand mathematical calculations and financial ratios.
Excellent written and oral communication and interpersonal skills.
Ability to multitask and prioritize effectively.
Must have reliable transportation and live within a commutable distance to one of the following cities: Auburn Hills, MI

Nice To Haves

Captive and/or lease auto underwriting experience.
Demonstrated knowledge and experience working with leasing products.
Proven experience in coaching, managing, and supervising a team of direct reports in a managerial or assistant managerial capacity.
Associate or Bachelors degree.

Responsibilities

Supervise and guide Lease Credit Analysts, providing feedback, training, and support to ensure individual and team success.
Oversee work queues, prioritize tasks, and ensure service levels and turnaround times are met.
Review and assess credit reports and data to determine risk in extending credit, applying company policies and regulatory requirements, negotiating and communicating review outcomes through various channels where appropriate.
Apply credit decisions in accordance with company policy, credit authority, risk appetite, and governing regulations (e.g., FCRA, ECOA, Reg M).
Work with Lease Credit Analysts, Dealer Relationship Managers, and the Funding Department to provide ongoing training and ensure exceptional service to dealers.
Address and resolve escalated inquiries, verifications, negotiations and issues related to lease credit & funding programs from team members, clients, and stakeholders, communicating outcomes via appropriate channels, such as email or phone.
Foster strong business relationships between Lease Credit, Sales and Dealers in assigned regions to achieve key business objectives.
Maintain confidentiality when accessing personal information of consumers, including, but not limited to, Social Security numbers and dates of birth.
Perform other ad-hoc tasks and duties as assigned.
Perform the above-referenced essential duties and responsibilities as well as assist in directing the work of employees assigned to the department by leading and overseeing their day-to-day activities and work schedules and by providing work-related guidance to the Leasing team in accordance with the Companys policies and procedures.
Although this position shall provide the authority to lead, oversee and direct the day-to-day work of assigned employees and to report work assessments to management, it shall not provide the authority to take the following actions: hire an employee, fire an employee, promote, or demote an employee, discipline an employee in a formal manner, reassign an employee, or alter benefits of an employee. All such decisions shall be made by the responsible senior manager(s) in consultation with the Human Resources Department.