Post Charge Off - Repossession Specialist II

Job Description

Job Description

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, Citroën, 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 :

As a Post Charge Off - Repossession Specialist II, you will serve as a key liaison in the repossession process for delinquent accounts. This role involves working directly with borrowers to identify and implement recovery solutions, while coordinating with the replevins team when legal action is required. You will manage escalated cases and may provide guidance and support to junior team members. The position requires strong communication, problem-solving, and organizational skills to ensure efficient and compliant asset recovery.

Essential Duties and Responsibilities:

• Assign charged-off accounts for repossession, including involuntary, voluntary, and abandoned units.
• Coordinate with repossession vendors; update internal systems and notify relevant departments upon securing vehicles.
• Conduct preliminary skip tracing and maintain regular follow-ups with agents on account status.
• Monitor accounts for payments or arrangements; apply holds or initiate closures as needed.
• Forward unresolved cases to the skip department for further investigation.
• Support agent selection, fee negotiation, and verification of insurance and bond compliance.
• Ensure adherence to legal guidelines including RTC, SCL, SSCRA, and bankruptcy protections.
• Process reinstatements and redemptions, audit invoices, and assist with vehicle release procedures.
• Maintain strict confidentiality while handling sensitive consumer data, including Social Security numbers and birth dates.
• Additional duties may be assigned as needed to support departmental or organizational goals.

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 accommodations may be made to enable individuals with disabilities to perform the essential functions.

Required Experience:

• 2+ years of experience in auto collections, with working knowledge of repossession regulations and policies
• Call center background preferred for handling customer interactions and account resolution

Education:

• High School Diploma and/or GED.

Skills Required:

• Strong communication, interpersonal, and customer service skills; effective cross-team collaboration
• Skilled in organization, time management, and prioritization within fast-paced environments
• Proficient in Microsoft Office; experienced with document management systems and compliance workflows
• Solid analytical abilities with knowledge of captive finance, auctions, FDCPA, and collection laws; basic math proficiency for financial tasks

Additional Requirements:

• 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 (Hybrid )

Qualifications Preferred:

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; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

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.

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.

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.