Legal and Deficiency Recovery Manager

First Help Financial is a fast-growing, culturally diverse company providing auto loans to the underserved with flexible financing options and tri-lingual support. The company has a strong growth record and a focus on professional standards and employee success.

Location: Remote/Anywhere within the USA

Salary: $130,000

Responsibilities

• Design and own the qualification criteria for legal escalation of accounts with defiance balances.
• Monitor the legal escalation pipeline and review exceptions.
• Review and approve settlement letter content and deficiency collection scripts.
• Own legal and compliance reporting, prepare quarterly updates, and escalate issues.
• Complete FDCPA and UDAAP review of consumer-facing components.
• Build and maintain a state-by-state legal viability map for deficiency collections.
• Ensure compliance with bankruptcy filings, SCRA, and respond to regulatory inquiries.
• Vet third-party collection agencies, oversee vendor compliance, and manage outside counsel relationships.
• Write and maintain policies and procedures for the collections program.
• Manage active litigation, identify process gaps, and serve as a legal resource for staff.
• Hire and develop team members as the program grows.

Requirements

• 5+ years in legal operations, compliance, or collections oversight in consumer lending or auto finance.
• Experience in non-prime or subprime auto lending.
• Knowledge of FDCPA, UDAAP, and state consumer laws.
• Experience managing bankruptcy filings and SCRA compliance.
• Experience managing outside counsel relationships.
• Understanding of deficiency recovery operations.

Benefits

• Generous salaries, health and welfare benefits, paid vacation, 401(k) match, tuition reimbursement, social activities, employee recognition, and talent development.
• Work-life balance focus.
• Opportunities for career growth and development.

Additional Information

• Role involves building a post charge-off recovery program from scratch.
• External counsel handles legal actions; this role focuses on compliance and program management.
• Preferred candidates have experience designing deficiency recovery programs and managing legal collections across multiple states.
• FHF is committed to diversity and inclusion, providing accommodations for interviewees with special needs.