Automotive Finance Manager

Job Type


Full-time

Description

Palo Alto, CA | Mercedes-Benz | Hospitality | Luxury brand | Finance Manager | F&I | Finance & Insurance | Compliance | Luxury or import preferred | Bay Area | Veterans encouraged to apply | $80,000 - $200,000/yr OTE

IS THIS YOU?

• You're an experienced F&I Manager with a strong PVR, a clean compliance record, and a menu presentation that earns guest confidence rather than resistance

• You operate with integrity - your deals are structured honestly, your lender relationships are solid, and your documentation is complete and fundable every time

• You have 2+ years of automotive F&I experience - preferably at a luxury or import brand - and you're ready to bring that expertise to one of the Bay Area's most established Mercedes-Benz stores

WHO WE ARE

Swickard Auto Group is a hospitality company that happens to sell and service cars. We believe the best guest experiences start with the best employee experiences. That's why we've grown to 40+ rooftops across the West Coast, Alaska, and Hawaii while maintaining a culture built on one simple idea: do right by people, every time.

Mercedes-Benz of Palo Alto serves a sophisticated, high-expectation guest base in one of the Bay Area's most active luxury automotive markets. The Finance Manager here is an essential part of how guests experience the store - not a closing room, but the final chapter of a hospitality-first purchase that started the moment they walked through the door.

WHAT YOU'LL DO

• Present and close finance, lease, and protection products using a consultative, menu-based approach that reflects the Mercedes-Benz standard of care

• Structure deals accurately and efficiently - balancing strong PVR with lender compliance and a guest experience that matches the brand

• Manage lender relationships across a diverse lending portfolio - ensuring deal flow, funding speed, and lender mix are optimized for a luxury buyer profile

• Ensure full compliance with all federal, state, and dealership regulatory requirements - Regulation Z, TILA, FCRA, and applicable California requirements

• Partner with the sales team to ensure clean deal handoffs and a seamless transition from the showroom to the finance office

• Maintain deal documentation to the highest standard - every deal fundable, every file complete

• Achieve penetration and PVR targets across VSC, GAP, maintenance, and appearance products

• Support the development of Sales Consultants' product knowledge and F&I referral habits

WHAT WE'RE LOOKING FOR

• 2+ years of Finance Manager experience at a franchised dealership - required

• Luxury or import brand F&I experience strongly preferred - Mercedes-Benz, BMW, Audi, Lexus, or similar backgrounds a significant advantage with this buyer profile

• Proven PVR performance and consistent product penetration across a full menu

• Strong knowledge of lender programs, finance and lease structures, and compliance requirements - including California-specific regulations

• Reynolds & Reynolds or CDK experience preferred

• High integrity and zero tolerance for compliance shortcuts - clean deals, clean files, every time

• Polished, professional communicator - Mercedes-Benz guests expect a finance experience that matches the care and attention they received on the showroom floor

• Valid driver's license with a clean driving record

WHAT WE OFFER

• OTE of $80,000 - $200,000/yr

• Medical, dental, and vision insurance

• Life insurance and supplemental coverage options

• Paid time off and paid holidays

• Career growth - strong Finance Managers at Swickard grow into F&I director and multi-store finance leadership roles

• Employee vehicle purchase and service discounts

• A high-volume luxury store with consistent deal flow and strong back-end gross potential in one of the Bay Area's most active markets

WHY MERCEDES-BENZ OF PALO ALTO

• A high-volume Mercedes-Benz store in the heart of Silicon Valley - consistent deal flow and a high-net-worth buyer base that rewards an F&I manager who leads with honesty and expertise

• Mercedes-Benz's lease programs, finance structures, and protection products are genuinely competitive - you'll have real tools to build strong back-end gross without relying on pressure

• Silicon Valley buyers are among the most financially sophisticated in the country - they understand products and financing when presented honestly, which rewards an F&I manager who leads with clarity and integrity

• Swickard is one of the fastest-growing dealer groups in the country - ranked Top 5 in North America for reputation in the automotive industry

• Our HEART values - Honor, Engage, Anticipate, Respond, Thank - apply in the finance office just as much as on the showroom floor

• Leadership that supports a clean, compliant, high-performing finance operation and recognizes the F&I managers who build it

If you're a proven Finance Manager with luxury or import F&I experience and a commitment to doing it right every time - we'd like to meet you.

Salary Description


$72K - $180K+ OTE annually