Remote opportunity at
First Help FinancialLegal and Deficiency Recovery Manager
First Help Financial seeks a Legal and Deficiency Recovery Manager to build and manage a structured post charge-off recovery program from the ground up. This remote…
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About This Role
First Help Financial seeks a Legal and Deficiency Recovery Manager to build and manage a structured post charge-off recovery program from the ground up. This remote position reports directly to the VP of Operations and involves establishing compliance frameworks, determining legal escalation eligibility, overseeing third-party vendors and outside counsel, and handling regulatory matters such as bankruptcies and SCRA compliance. The employer provides auto financing solutions to underserved consumers across the…
Job Description
First Help Financial seeks a Legal and Deficiency Recovery Manager to build and manage a structured post charge-off recovery program from the ground up. This remote position reports directly to the VP of Operations and involves establishing compliance frameworks, determining legal escalation eligibility, overseeing third-party vendors and outside counsel, and handling regulatory matters such as bankruptcies and SCRA compliance. The employer provides auto financing solutions to underserved consumers across the United States, backed by multilingual support and a growing portfolio.
This role suits professionals with deep experience in consumer lending compliance, legal operations, or collections oversight who want to operate autonomously and shape a developing program. While the position does not require a practicing attorney, candidates must understand subprime auto lending environments, consumer protection regulations, and deficiency recovery workflows. As program volume increases, the position offers opportunities for team leadership and direct report management.
Responsibilities
- Design and establish qualification criteria and automated routing for accounts eligible for legal escalation
- Monitor the legal escalation pipeline, conduct periodic audits, and maintain the compliance audit trail log
- Review and approve settlement letter content, borrower contact scripts, and settlement authority structures
- Ensure adherence to FDCPA, UDAAP, ECOA, and state-specific consumer protection laws
- Manage bankruptcy filings and SCRA compliance across the lending portfolio
- Oversee third-party collection agencies and BPO partners through call audits, complaint tracking, and performance reviews
- Select and manage outside counsel relationships, track recovery costs against outcomes, and oversee active litigation
- Develop and deliver compliance training for post charge-off personnel
- Prepare quarterly Board updates and report critical issues to leadership
Requirements
- Minimum of five years of experience in compliance management, legal operations, or collections oversight within auto finance, consumer lending, or a third-party collection agency
- Direct working knowledge of FDCPA, UDAAP, and state consumer protection laws related to post charge-off collections
- Experience managing bankruptcy filings and SCRA compliance within a consumer lending portfolio
- Prior experience managing outside counsel relationships, scoping work, and reviewing billing
- Familiarity with deficiency recovery operations, settlement letters, agency placement, and multi-state legal collections
- Demonstrated background in non-prime or subprime auto lending
Qualifications
- Bachelor degree
- Juris Doctor (JD), paralegal certification, or Certified Regulatory Compliance Manager (CRCM) designation preferred
- Experience building or administering an agency compliance monitoring program
- Previous employment at a non-prime auto lender or servicer such as Westlake Financial, Exeter Finance, or DriveTime
Core Skills
Benefits
- Starting base salary of $120,000 plus an annual performance-based bonus
- Medical, dental, and vision health and welfare benefits
- Short-term and long-term disability coverage
- Identity theft protection and paid parental leave
- Paid vacation
- 401(k) match
- Tuition reimbursement
- Social activities, monthly lunches, and employee recognition programs
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
Where is this job located?
This position is remote and can be performed from anywhere within the United States.
What is the compensation for this role?
The position includes a starting base salary of $120,000 plus an annual performance-based bonus.
Is a law degree required to apply?
No, this is not a practicing attorney role. While a JD, paralegal certification, or CRCM is preferred, it is not required.
What type of lending experience is needed?
Candidates must have experience in non-prime or subprime auto lending specifically, along with a background in deficiency recovery or collections oversight.
Sample Interview Questions
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