Recovery Account Manager

Recovery Account Manager

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's experience.

Position Summary:

The Recovery Account Manager is responsible for communicating with customers and third parties by phone and written correspondence to collect and resolve charged-off deficiency balance accounts, manage driving skip cases, locate customers and/or collateral, negotiate resolutions, and document account activity while ensuring compliance with company policies and regulatory requirements.

Essential Duties and Responsibilities:

• Communicate with customers and third parties through telephone and written correspondence to resolve charged-off deficiency balances, driving skip accounts, and other recovery-related matters.
• Utilize skip-tracing tools and investigative resources to locate customers, vehicles, and collateral while managing complex recovery accounts, including insurance deficiency losses involving destroyed or uninsured stolen vehicles.
• Follow up on assigned accounts in accordance with established policies, procedures, and recovery strategies to achieve account resolution and recovery goals.
• Evaluate account status and recommend repossession, outside agency placement, and/or legal action when appropriate.
• Verify customer identity by adhering to established safeguard and authentication procedures and safeguard confidential consumer information, including Social Security numbers, dates of birth, and other protected data.
• Accurately document customer communications, payment arrangements, account activity, and recovery efforts within the collection system while maintaining compliance with company policies, regulatory requirements, and applicable laws.
• Conduct all customer interactions in a professional, courteous, and respectful manner, consistently achieving established performance objectives and completing additional duties and special projects as assigned.

Qualifications and Competencies Required: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Required Experience:

• Minimum of two to five years of experience in auto collections, recovery operations, skip tracing, deficiency balance collections, consumer lending, or a related financial services environment.
• Experience managing charged-off accounts, negotiating account resolutions, analyzing account histories, locating difficult-to-find customers, and supporting recovery efforts.
• Strong knowledge of regulatory compliance and collection practices; an equivalent combination of education, professional certifications, training, and relevant work experience will be considered.

Education:

• High School Diploma or General Educational Development (GED) equivalent required.

Skills Required:

• Demonstrated ability to read, analyze, and interpret business correspondence, regulatory guidelines, legal documentation, account records, and operational procedures. Strong written and verbal communication skills with the ability to prepare professional correspondence and effectively communicate with customers, attorneys, vendors, and internal stakeholders.
• Proficient in applying mathematical concepts, including percentages, ratios, and financial calculations, analyzing account balances, payment arrangements, settlement offers, recovery performance, and portfolio trends. Ability to interpret financial data and support sound business decisions.
• Strong analytical and critical-thinking abilities with the capacity to evaluate complex account situations, assess risk, and make informed decisions in accordance with company policies and regulatory requirements. Ability to follow detailed written and verbal instructions while exercising sound judgment in resolving account issues.
• Advanced proficiency in Microsoft Office applications, including Excel and Word, with the ability to analyze data, prepare reports, and maintain account documentation. Experience utilizing recovery, collections, bankruptcy, legal, and customer relationship management (CRM) systems to manage portfolios effectively.
• Comprehensive knowledge of the Fair Debt Collection Practices Act (FDCPA) and applicable local, state, and federal collection regulations with a demonstrated commitment to regulatory compliance, company policies, and ethical recovery practices in all customer interactions.

Overtime required required on an as needed basis.

Travel 0-10% - as required on an as needed basis.

Must have reliable transportation and live within a commutable distance to one of the following cities: Atlanta, GA.

Qualifications Preferred: Strong negotiation, customer service, account management, and relationship-building skills. Ability to manage high-volume recovery portfolios, prioritize competing demands, collaborate with cross-functional teams, and drive successful recovery outcomes while maintaining a customer-focused approach.

An applicant must be authorized to work in the United States to be eligible for this position. Stellantis Financial Services, Inc. will not sponsor applicants for work visas of any type for this position.

A successful Recovery Account Manager demonstrates strong problem-solving, customer service, communication, and relationship-management skills, with the ability to effectively resolve complex account issues while maintaining professionalism and empathy. The role requires sound judgment, attention to detail, organizational skills, and a commitment to quality, compliance, and ethical business practices. Successful candidates are adaptable, dependable, and results-driven professionals who can manage competing priorities, collaborate effectively with cross-functional teams, and consistently meet productivity and performance objectives in a fast-paced recovery environment.

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit for long periods of time, use hands and arms to operate office equipment including but not limited to a keyboard, mouse and phone, will occasionally need to reach, stoop, stand or walk. The employee must be able to see (close vision), hear, speak, and communicate verbally. The employee may occasionally lift and/or move up to 10 pounds.

Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Work Schedule This position requires the ability to work various shifts to accommodate business needs. Typically, between the hours of 8AM-6PM Monday through Friday and on weekends as needed. Travel is required 10% of the time.

Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.

Stellantis Financial Services US