Legal and Deficiency Recovery Manager

🔥 15 hours ago

🇺🇸 United States – Remote

💵 $120k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧑‍💼 Attorney / Lawyer

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 0%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

Apply Now

Find Similar Remote Jobs

Set Up Email Alert For New Jobs

📊 Check your resume score for this job

Improve your chances of getting an interview by checking your resume score before you apply.

Upload Resume

First Help Financial

WebsiteLinkedInAll Job Openings

51 - 200 employees

🚘 Automotive

💼 Consulting

📦 Logistics

Automotive • Consulting • Logistics

First Help Financial is an innovative and fast-growing auto finance company that has been serving customers with limited access to financial services for over a decade. The company focuses on providing fairly priced auto loans to consumers who are typically overlooked or mispriced by traditional financial institutions. Dedicated to a mission-driven approach, First Help Financial values culture, diversity, collaboration, and impeccable customer service, working closely with communities to support financial success and understanding. They offer multilingual customer support from application to payoff, ensuring a partnership for customer financial success.

📋 Description

• Design and own qualification criteria for legal escalation of deficiency-balance accounts • Maintain controlled files, audit account routing, and approve threshold changes • Monitor the legal escalation pipeline and review exceptions • Maintain the compliance log and audit trail • Review and approve settlement letters for FDCPA and state-law compliance • Review and approve deficiency collection scripts and settlement authority structures • Own legal and compliance reporting within the collections KPI package • Prepare quarterly Board updates and escalate material issues to leadership • Complete FDCPA and UDAAP reviews of consumer-facing components • Build and maintain a state-by-state legal viability map for deficiency collections • Ensure differentiated collection approaches are anchored to loan attributes and document ECOA compliance • Manage bankruptcy filings and ensure SCRA compliance • Coordinate responses to CFPB inquiries, state attorney general matters, and regulatory consumer complaints • Build and deliver compliance training for post charge-off staff • Vet third-party collection agencies and evaluate compliance, call recording, data security, and experience • Own ongoing agency compliance monitoring, call audits, complaint tracking, performance monitoring, and remediation • Oversee third-party BPO partners • Lead outside counsel evaluation and selection • Manage referrals, case outcomes, and recovery costs • Review vendor contracts and required compliance provisions • Write, maintain, and version-control policies and procedures • Manage collections-related litigation with outside counsel and maintain a litigation log • Identify legal exposure and recovery gaps and implement solutions • Provide legal and compliance guidance to collections personnel • Hire and develop direct reports as the program grows

🎯 Requirements

• 5 or more years of experience in legal operations, compliance management, or collections oversight within consumer lending, auto finance, or a third-party collection agency • Demonstrated historical career stability • Experience in non-prime or subprime auto lending specifically • Working knowledge of FDCPA, UDAAP, and applicable state consumer protection laws for post charge-off collections • Experience managing bankruptcy filings across a consumer lending portfolio • Experience handling SCRA compliance for servicemember accounts • Experience managing outside counsel relationships, including scoping work, reviewing billing, enforcing timelines, and escalating performance issues • Experience in or alongside a deficiency recovery operation • Experience designing, building, or leading a post charge-off deficiency recovery program from the ground up • Experience managing legal collections activity across multiple states, including knowledge of states prohibiting wage garnishment • Experience coordinating with outside counsel on deficiency suits and post-judgment enforcement • Ability to interpret collections performance data independently • Bachelor's degree required • JD, paralegal certification, or CRCM preferred but not required • Experience building or administering an agency compliance monitoring program is strongly preferred • Background at a non-prime auto lender or servicer is strongly preferred

🏖️ Benefits

• Competitive health and welfare benefits (medical, dental, vision, LTD/STD, identity theft) • Paid parental leave • Paid vacation • 401(k) match • Tuition reimbursement • Social activities • Monthly lunches • Employee recognition and talent development program • Healthy work-life balance • Career growth opportunities • Career planning and development • Accommodations during interviews for people with special needs