Job Description

We are seeking a detail-oriented and results-driven Recovery Specialist to join our AutoNation Finance team. As a Recovery Specialist, you will be responsible for managing and resolving delinquent auto finance accounts that are in the later stages of default. This role focuses on repossession coordination, customer resolution, recovery collections, and potential charge-off prevention. The ideal candidate has strong negotiation skills, a solid understanding of compliance standards, and the ability to work in a fast-paced, high-volume environment.

The ideal candidate will be self-motivated, demonstrate sound judgment, and have strong communication skills. This position may be eligible for incentive compensation based on established performance objectives. A flexible work schedule, including late evenings and weekends, is required.

Organizational Relationships:

The Recovery Specialist will report directly to the Recovery Supervisor and will collaborate closely with other members of the servicing team including Back End Collections, PCO (Potential Charge-Off), and FPD. This role may also involve coordination with third-party vendors, repossession agents, legal counsel, and internal departments such as Risk, Compliance, and Customer Service. This position also interfaces externally with customers

Job Responsibilities:

• Account Management & Collections:
• Manage a portfolio of accounts 60-90 days past due, with a focus on high-risk, high-balance loans and repossessions
• Make outbound and receive inbound calls to resolve past-due balances and avoid potential charge-offs.
• Negotiate payment arrangements and settlements in accordance with company policies and procedures.
• Repossession & Recovery:
• Coordinate with repossession agents to ensure timely and compliant recovery of collateral.
• Document all activity related to repossession, skip tracing, and customer communication.
• Ensure all state and federal guidelines are followed regarding repossession and borrower communication.
• Skip Tracing & Location Efforts:
• Perform skip tracing to locate customers and vehicles using various tools and databases.
• Identify and escalate potential fraud or misrepresentation concerns.
• Customer Communication & Support:
• Maintain professional and empathetic communication with customers in sensitive or escalated situations.
• Provide education on account status, potential consequences, and available options.
• Compliance & Documentation:
• Maintain accurate, detailed, and timely documentation of all account activity in servicing systems.
• Ensure compliance with FDCPA, CFPB, UDAAP, and other regulatory requirements.

Qualifications:

• High school diploma or GED required, associate or bachelor’s degree in finance, Business, or related field preferred
• Minimum of 3 years of experience in collections, recovery, or repossession coordination.
• Knowledge of auto finance collections and recovery processes.
• Strong communication, negotiation, and problem-solving skills.
• Experience using skip tracing tools and auto finance servicing systems.
• Strong organizational skills with the ability to multitask and prioritize.
• Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook) and office management software.
• Excellent written and verbal communication skills.
• High degree of professionalism, discretion, and customer service focus.
• Bilingual skills (Spanish/English) a plus.

Next Possible Position:

Risk Mitigation Specialist or Collections Supervisor, based on business needs, demonstrated performance, and required qualifications.

Physical Requirements:

• Ability to sit at a desk for extended periods and use a computer and phone regularly.
• Occasional light lifting of files or office materials

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Exciting Benefits and Perks Await You

• Competitive compensation and 401k matching
• Enjoy a healthy work-life balance with insurance plans (health, dental, vision) and maternity benefits.
• Associate purchase and discount programs for new and pre-owned vehicles, services, parts, collision, accessories, and AutoGear
• Access amazing deals and discounts through YouDecide, a website with offers from top providers and retailers
• Join our DRVPNK mission to raise and donate millions of dollars to cancer research and treatment, partnering with cancer charities nationwide

AutoNation is one of the largest automotive retailers in the United States, offering innovative products, exceptional services, and comprehensive solutions, empowering our customers to make the best decisions for their needs. With a network of dealerships nationwide strengthened by a recognized brand, we offer a wide variety of new and used vehicles, customer financing, parts, and provide expert maintenance and repair services. Through DRV PNK, we have raised over $40 million for cancer-related causes, demonstrating our commitment to making a positive difference in the lives of our Associates, Customers, and the communities we serve.

AutoNation is committed to creating a diverse, equitable, and inclusive environment in our workplace and the services we provide. We welcome candidates from all backgrounds who are passionate about making a positive impact. Even if you do not meet every requirement, we encourage you to apply. Join our team and help us foster a culture of belonging while contributing to our revolutionary work in the automotive industry. We value innovation, teamwork, and a commitment to making a positive impact in the world.