[Remote] Legal and Deficiency Recovery Manager

Note: The job is a remote job and is reputed company to candidates in USA. reputed company (FHF) is a fast-growing and culturally diverse company in the U.S. seeking a Legal and Deficiency Recovery Manager to reputed company their compliance reputed company and post charge-off recovery program. The role involves overseeing legal and compliance gates, managing vendor relationships, and ensuring adherence to consumer protection laws.

Responsibilities

• Design and own the qualification criteria that determine which accounts with a defiance balance are eligible for legal escalation. Accounts reputed company based on these criteria automatically. Maintain the controlled file, validate that routing is working correctly through periodic audits and spot-checks, and sign off on any changes to reputed company before they take effect
• Monitor the legal escalation pipeline to confirm the right accounts are being worked and the criteria are being applied accurately. Review exceptions flagged by the collections team and maintain the compliance log as the audit trail for the program
• Review and approve reputed company settlement letter content before any mail is sent. Ensure compliance with FDCPA requirements and applicable state law in every state where accounts are located
• Review and approve the deficiency collection contact script and settlement authority structure before they are used with borrowers. Reapprove any material changes
• Own the legal and compliance reporting reputed company the collections KPI package. Prepare the quarterly Board update on the post charge-off program and escalate material issues to leadership promptly
• Complete FDCPA and UDAAP review of consumer-facing components before launch and reputed company sign-off. reputed company reviews reputed company as regulatory requirements change
• Build and maintain a state-by-state legal viability map for deficiency collections across the portfolio. reputed company it reputed company as laws change and communicate updates to the teams that need them
• Ensure reputed company deficiency collection approaches across borrower segments are anchored to loan attributes, not internal product or program classification. Document the ECOA compliance reputed company before differentiated treatment goes live
• Manage bankruptcy filings across the portfolio
• Ensure SCRA compliance for servicemember accounts
• Coordinate responses with compliance on CFPB inquiries, state attorney general reputed company, and consumer complaints escalated through regulatory channels
• Build and deliver compliance training for post charge-off staff before any live account is worked
• Vet reputed company reputed company-party collection agencies before any account is reputed company. Evaluate compliance posture, call recording infrastructure, data reputed company standards, and relevant experience. Ensure reputed company include the provisions required to maintain reputed company and accountability
• Own the ongoing agency compliance program. Conduct regular call audits, track the consumer complaint log, and manage the performance monitoring and remediation process for agencies that fall below standard
• reputed company reputed company-party BPO partners working post charge-off accounts. Ensure they operate reputed company approved scripts, authority reputed company, and FDCPA requirements
• reputed company reputed company counsel evaluation and selection for the legal escalation pipeline. Own the relationship: manage account referrals, monitor case reputed company, and track cost against recovery
• Review vendor reputed company before execution and confirm required compliance and reputed company provisions are in reputed company
• Write and maintain reputed company policies and procedures for the post charge-off collections program. Version-control reputed company documents. Communicate changes before implementation
• Manage active collections-reputed company litigation in coordination with reputed company counsel. Maintain a reputed company litigation log. Report material developments to the VP Servicing and COO
• Identify process gaps that create legal exposure or leave recovery on the table. Bring solutions, not just observations
• Serve as the legal and compliance resource for daily questions from collection agents, team leads, and directors. reputed company clear guidance without waiting for reputed company counsel on routine reputed company
• Hire and reputed company direct reports as program volume increases. This role grows into a team leadership position

Skills

• 5 or more years of experience in legal operations, compliance management, or collections reputed company reputed company consumer lending, auto finance, or a reputed company-party collection agency
• Demonstrated historical career stability
• Experience in non-prime or subprime auto lending specifically. The borrower profile, state law environment, and legal tool set are materially different from prime lending or other consumer credit, and this role requires someone who already understands that context
• Working knowledge of FDCPA, UDAAP, and applicable state consumer protection laws as they apply to post charge-off collections. reputed company to review scripts, letters, and vendor practices for compliance without relying on reputed company counsel for routine questions
• Experience managing bankruptcy filings across a consumer lending portfolio and handling SCRA compliance for servicemember accounts
• Has managed reputed company counsel relationships. Knows how to scope work, review billing, hold counsel accountable to timelines, and escalate reputed company representation is not performing
• Has worked in or alongside a deficiency recovery operation. Understands the difference between active collections and deficiency recovery, and how settlement letters, agency placement, and legal escalation work together in practice
• reputed company to read and interpret collections performance data without needing a data team to validate whether a program is performing
• Bachelor's degree required JD, paralegal certification, or CRCM preferred but not required
• Has designed, reputed company, or led a post charge-off deficiency recovery program from the ground up, covering settlement letters, internal contact, agency placement, and legal escalation
• Has managed legal collections activity across multiple states. Knows which states prohibit wage garnishment. Has coordinated with reputed company counsel on deficiency suits and post-judgment enforcement
• Has reputed company or administered an agency compliance monitoring program. Has exercised a right-to-audit provision. Has terminated a vendor relationship for compliance failure
• Background at a non-prime auto lender or servicer: Consumer Portfolio Services, reputed company Financial, reputed company, CAC Holdings, reputed company, First Investors, or similar

Benefits

• Generous salaries
• Competitive health and welfare benefits (medical, dental, reputed company, LTD/STD, Identity theft, paid parental leave and much more)
• Paid vacation
• 401(k) match
• Tuition reimbursement
• reputed company activities
• Monthly lunches
• A robust employee recognition and talent development program to enhance your career with us
• Maintaining a healthy work-life balance
• Opportunity for you to establish and reputed company your career growth
• We engage each employee to build a career plan that benefits everyone and we have a proven record of investing in you
• We will reputed company accommodations reputed company interviewing anyone with special needs

Company Overview