Auto Collections Manager

Experienced Auto Collections Manager to lead State Cap Auto Finance's high-performance collections team in Westport, MA (onsite).

Responsibilities

• Direct the collections team, elevating performance through coaching, clear expectations, and accountability.
• Design and implement strategies to reduce delinquency, improve cure rates, and minimize charge-offs.
• Ensure rapid adoption of new policies, scripts, and process changes.
• Track and analyze key metrics including delinquency, roll rates, repo counts, charge-offs, and other performance indicators.
• Provide scorecards, oversee performance reviews, and implement corrective actions as needed.
• Proactively identify performance gaps and lead targeted improvement initiatives.
• Maintain compliance of all collections activity with FDCPA, repossession policies, and internal standards.
• Escalate accounts when necessary and apply solution-oriented judgment.
• Collaborate with Service, Insurance, QA, Training, Recovery, and Originations to maintain full departmental alignment.
• Manage escalated customer issues, negotiating resolutions aligned with company goals.
• Mentor staff, developing leadership capabilities and upholding State Cap Auto Finance's standards of urgency and professionalism.
• Cultivate a high-performance culture built on trust, accountability, and measurable results.

Requirements

• At least 5 years of collections leadership experience in auto finance or consumer lending.
• Solid knowledge of FDCPA, repossession processes, and bankruptcy law.
• Demonstrated success in lowering delinquency, overseeing repossessions, and upholding high performance standards.
• Strong communication, coaching, and decision-making abilities.
• Proficient with Microsoft Office and collections performance systems.
• Must pass background screening and have US work authorization.
• Valid driver’s license.

Technologies

• Microsoft Office

Benefits

• Base salary commensurate with experience: USD 30,000 - 70,000 per year
• Paid Training and Development
• Career Growth Opportunities
• Full Benefits Package: Health, Dental, Vision, Life Insurance, & Short-term and Long-term Disability
• Paid Time Off
• 401(k)
• Dental insurance
• Disability insurance
• Health insurance
• Life insurance
• Paid sick time
• Paid time off
• Vision insurance

Position overview

As a Collections Manager at State Cap Auto Finance, you set the standard for execution and accountability. In a high-performance culture, you drive strategy, coach employees, and ensure strict adherence to company policies and compliance requirements. Your leadership directly influences cash collections, delinquency control, repossession outcomes, loss mitigation, and customer retention.