Loss Mitigation Associate

Job Description Description Description - Internal Hyundai Capital America (HCA) helps people move forward. Through Hyundai Motor Finance, Genesis Finance, and Kia Finance, we deliver innovative financing, leasing, and insurance solutions to more than 3 million customers and businesses nationwide. We’re a company driven by growth, innovation, and people. At HCA, you’ll find opportunities to build new skills, expand your career, and make a real impact—while working in a diverse, inclusive, and values‑driven environment. We’re proud to support our communities through volunteerism, philanthropy, and engaged Employee Resource Groups. If you’re looking for a fast‑paced, collaborative workplace where your ideas matter, join us as we lead the future of financing freedom of movement. WHAT YOU WILL DO The Loss Mitigation Associate is responsible for managing and resolving an assigned portfolio of delinquent accounts from 80 days past due through charge-off. This role performs account research, customer contact activities, skip tracing to locate customers and obtain updated contact information, and repayment negotiations to mitigate losses and support account resolution outcomes within established policies, procedures, and approval guidelines. This role ensures compliance with internal policies, regulatory requirements, and documentation standards while contributing to departmental performance objectives. HOW YOU WILL MAKE AN IMPACT Manage an assigned portfolio of delinquent accounts ranging from 80 days past due to charge-off, applying established collection practices to support payment resolution, cure delinquencies, and minimize charge-offs while adhering to queue management standards. Review account histories, payment behavior, customer circumstances, and relevant account information to assess risk and identify appropriate next steps within established resolution guidelines. Monitor account status and progression through the collection lifecycle, ensuring timely follow-up and adherence to established queue management standards. Apply approved account resolution options and take appropriate actions within defined policies, procedures, and approval limits to support recovery outcomes and minimize losses. Collaborate with internal business partners and expedite complex or exception-based account issues as needed to facilitate timely and effective account resolution. 2. Inbound / Outbound Collections & Negotiations Conduct inbound and outbound collection activities, including negotiating payment arrangements, deferrals, and other approved loss mitigation solutions within established guidelines while balancing customer circumstances and company objectives. Perform skip tracing using approved tools, internal systems, and available resources to locate customers, verify and update contact information, document findings, and support effective collection outreach. 3. Documentation, Compliance & Account Administration Document all activity accurately and thoroughly within servicing systems to ensure compliance and support future collection efforts. Review account records for accuracy and completeness while performing required account maintenance and administrative activities. Ensure all collection activities are conducted in compliance with company policies, departmental procedures, and applicable federal, state, and regulatory requirements. Protect confidential customer information and maintain adherence to privacy, security, and data governance standards. Participate in required training and continuously apply established procedures, controls, and best practices to support operational effectiveness and performance. Qualifications WHAT YOU WILL BRING TO THE ROLE Minimum 2-4 years of experience in late-stage collections, loss mitigation, delinquency management, or account recovery activities. Experience performing skip tracing activities, including using skip tracing tools or related research methods to locate customers and obtain updated contact information. Automotive finance, consumer lending, banking, or financial service industry experience preferred. High school diploma or GED Working knowledge of late-stage collections, customer account servicing, delinquency management, or loss mitigation practices. Ability to effectively use skip tracing tools, account servicing systems, and available research methods to locate customers, validate contact information, and support account resolution activities. Strong account research, analytical, and problem‑solving skills with the ability to evaluate account history, payment patterns, customer circumstances, and risk factors to identify appropriate next steps within established guidelines. Effective communication and negotiation skills with the ability to secure customer commitments, address objections, and navigate difficult conversations professionally and empathetically. Ability to prioritize a high‑volume workload, manage multiple accounts, and meet performance expectations in a metric‑driven environment. Proficiency with Microsoft Office applications to support documentation, tracking, and reporting activities. Ability to interpret and apply company policies, departmental procedures, and applicable regulatory requirements. Proven track record with delivering seamless customer experiences. Ability to thrive in a performance coaching environment. WE TAKE CARE OF OUR PEOPLE At HCA, our people drive our success. That’s why we offer a competitive rewards package that supports your health, financial future, and overall wellbeing—at work and beyond. Benefits Highlights Vehicle perks – monthly vehicle allowance plus purchase and lease discounts Comprehensive health coverage – medical, dental, and vision plans Employer-funded HSA contributions to help reduce healthcare costs 401(k) with company match and immediate vesting from day one 100% company-paid life and disability insurance Wellbeing benefits including fitness and health resources Leadership programs and career development that support continuous learning Paid Volunteer Time Off and a company charitable donation in your honor Because great benefits help you thrive—personally and professionally. OTHER DETAILS Our Company is an equal opportunity employer committed to fostering a diverse, inclusive, and respectful workplace—because we believe diversity builds stronger teams. We comply with all applicable federal, state, and local equal employment opportunity laws and do not discriminate on the basis of race, religion or creed, color, national origin, ancestry, caste, citizenship, sex or gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, disability, medical condition, genetic information, marital status, family care or medical leave status, military or veteran status, political affiliation, or any other characteristic protected by law. Information provided during the application process is requested in good faith and will be used solely in accordance with applicable employment laws. This notice only applies to our applicants who reside in the State of California. The latest version of our Privacy Policy can be found here. This Privacy Policy provides you with notice, at or before the point of collection, about the categories of personal information to be collected from you, the purposes for which your personal information is collected or used, and whether that information is sold or shared, so that you can exercise meaningful control over our use of your personal information. We are providing this notice to comply with the California Consumer Privacy Act of 2018, as amended as by the California Privacy Rights Act of 2020 (“CCPA”). If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at View email address on click.appcast.io. Primary Location United States-Texas-Plano Work Locations Dallas, TX 6100 W. Plano Parkway, Suite 2000 Suite 2000 Plano 75093 #J-18808-Ljbffr HYUNDAI Translead, Inc