One Hire Already! - AI Auto Lending Enterprise Account Executive! - New Series A, AI Engagement Pla

Job Description

ScoutLab.io represents this venture-backed AI company that is helping auto lenders, loan servicers, captive finance organizations, dealer groups, and regional banks transform how they manage delinquency, collections, payment recovery, and borrower engagement through the power of Behavioral AI.

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About the company

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This 23-employee, Series A venture-backed AI firm is an emerging leader in Behavioral AI, helping financial institutions make smarter lending and collections decisions by leveraging alternative data, behavioral insights, and advanced machine learning models. The company enables lenders to improve payment outcomes, reduce delinquency, increase recovery rates, and create more personalized borrower experiences.

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Unlike traditional collections and decisioning platforms that rely heavily on static rules and historical credit data, The Firm uncovers deeper behavioral patterns that provide a more accurate view of borrower intent and future actions. Their AI-powered platform empowers lenders to reduce charge-offs, improve collections performance, accelerate payments, and create more effective borrower communications.

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Founded by former T-Mobile executives, The Firm combines reinforcement learning and behavioral economics to personalize borrower engagement at scale—delivering measurable business results in weeks rather than years. The company recently completed its Series A funding round led by BMW i Ventures and Motley Fool Ventures, validating the platform's growing success within the automotive finance industry.

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With proven success among financial services and telecommunications customers—including average payment acceleration of five days, 20x ROI, and fewer than four customer interactions required to resolve a delinquency—The Firm is now building its Auto Lending vertical from the ground up.

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This is a true startup environment where innovation, speed, and execution matter. Leadership is highly accessible, decisions are made quickly, and top performers have the opportunity to directly influence company growth and strategy.

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About the Role

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• Enterprise Account Executive role, fully remote, working from your home office.
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• $120K–$170K base salary with uncapped earnings. OTE ranges from $225K–$350K+, plus meaningful early-stage equity participation.
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• MUST have 5–10 years of hunter experience , focused on net-new logo acquisition within
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subprime and near-prime auto lenders, captive finance organizations, dealer groups,

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regional banks, and loan servicers.

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• Own the entire sales cycle from prospecting and pipeline generation through contract negotiation and close.
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• Sell directly into Loan Servicing, Collections, Recovery, Auto Loan Operations, Payment Operations, and Servicing Solutions leadership.
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• Leverage existing auto finance industry relationships to open doors and create opportunities with senior-level decision makers.
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• Conduct consultative discovery focused on business outcomes including delinquency reduction, payment acceleration, collections performance, recovery optimization, and cost-to-collect improvements.
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• Build business cases and ROI models that help buyers secure executive sponsorship and funding.
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• Navigate complex buying committees that include Servicing Operations, Technology, Finance, Procurement, Legal, and Executive Leadership.
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Official Job Description

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Account Executive – Auto Lending

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We're hiring an Auto Lending-focused Account Executive to drive new logo acquisition across subprime and near-prime auto lenders, captive finance organizations, dealer groups, and regional banks— selling into the teams responsible for loan servicing, collections, recovery, and borrower engagement.

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This role requires experience selling into auto lending organizations—not working within them. We are looking for vendor-side enterprise sellers with a proven track record of calling on loan servicing, collections, recovery, and servicing operations leadership.

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This is a true startup, hunter role. There is limited inbound, no large SDR team, and no legacy playbook. You are expected to create pipeline, open doors, and close complex enterprise deals. You'll own the full sales cycle and help define how we scale the Auto Lending business.

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This role is fundamentally consultative. Auto lenders don't buy vendors who simply deliver product demonstrations—they buy professionals who understand delinquency curves, recovery economics, servicing operations, and borrower behavior. You'll spend as much time diagnosing business problems, mapping stakeholders, and building financial business cases as demonstrating the platform.

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What You'll Do

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Build Pipeline from Scratch

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• Own outbound strategy and execution targeting Loan Servicing, Auto Loan Operations, Collections, Recovery, and Servicing Solutions leaders.
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• Prioritize subprime lenders, independent dealer groups, regional banks, and finance companies that move quickly on new technology.
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• Prospect through email, phone, LinkedIn, conferences, referrals, and existing industry relationships.
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Run Enterprise Deals

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• Lead discovery tied to delinquency reduction, recovery rates, payment acceleration, and cost-to-collect improvements.
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• Build compelling business cases and create urgency with executive buyers.
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• Navigate stakeholder groups across Servicing Operations, Collections, Technology, Finance, Procurement, Legal, and Executive Leadership.
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• Coordinate technical integration discussions with internal technical teams and loan servicing platform providers.
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Close & Expand

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• Execute a land-and-expand sales strategy across enterprise lending organizations.
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• Lead negotiations involving pricing, MSA, SOW, security, and procurement.
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• Partner with internal implementation teams to ensure successful deployment and measurable customer outcomes.
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Help Build GTM

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• Provide direct feedback on messaging, ideal customer profile, competitive positioning, and sales strategy.
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• Help build the early sales motion, playbooks, conference strategy, and go-to-market initiatives for the Auto Lending vertical.
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What We're Looking For

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Required

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• 5–10 years of enterprise sales experience selling solutions into auto lending, automotive finance, loan servicing, or collections organizations (vendor-side experience required).
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• Demonstrated success selling into Loan Servicing, Collections, Recovery, Auto Loan Operations, or Servicing Solutions leadership.
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• Existing relationships with mid-to-senior decision makers at subprime lenders, captive finance companies, regional banks, dealer groups, or loan servicers that can be activated immediately.
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• Proven ability to build pipeline independently without significant SDR or marketing support.
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• Experience closing complex, multi-threaded enterprise software deals.
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• Strong consultative sales approach with the ability to diagnose business problems before positioning solutions.
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Startup Fit (Non-Negotiable)

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• Comfortable operating with ambiguity, limited structure, and high ownership.
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• Willing to prospect consistently—this is not a relationship management role.
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• Able to balance selling with internal problem-solving and execution.
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• Motivated by building, not maintaining.
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Preferred

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• Experience selling into subprime lenders such as Credit Acceptance, Exeter Finance, Consumer Portfolio Services, Prestige Financial, or similar organizations.
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• SaaS, AI, analytics, behavioral modeling, or decisioning software sales experience.
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• Familiarity with loan servicing platforms and the lender technology ecosystem.
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• Experience selling into regulated financial services organizations.
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• Early-stage startup or zero-to-one GTM experience.
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Why Us

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• Fresh Series A funding validating the platform's value in automotive finance.
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• Proven customer results that provide compelling ROI in every sales conversation.
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• Real ownership and autonomy—no bureaucracy or approval chains.
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• Direct access to the CEO, CRO, and executive leadership team.
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• Opportunity to build and own the company's Auto Lending vertical from the ground up.
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• Meaningful early-stage equity and the opportunity to help define the future of Behavioral AI in automotive finance.
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