Auto Collections Manager – State Cap Auto Finance

STATE CAP AUTO FINANCE is seeking an experienced Auto Collections Manager to lead our high-performance collections team. This role is responsible for driving strategy, coaching, and ensuring strict adherence to compliance and company policies. The Collections Manager oversees performance in cash collections, delinquency control, repossessions, loss mitigation, and customer retention.


The ideal candidate has 5 years of collections leadership in auto finance or consumer lending, a proven track record of reducing delinquency, strong knowledge of FDCPA and repossession processes, and the ability to build high-performing teams.


We offer a competitive base salary, performance-based bonuses, and a comprehensive benefits package. If you are a results-driven leader who thrives in a fast-paced environment, we want to hear from you.

*Position Overview
 *

As a Collections Manager at STATE CAP AUTO FINANCE, you set the standard for execution and accountability. In a high-performance culture, you drive strategy, coaching employees, and ensure strict adherence to company policies, and compliance requirements. Your leadership directly influences cash collections, delinquency control, repossession outcomes, loss mitigation, and customer retention.

Key Responsibilities

Strategic Leadership


Lead collections, driving performance through coaching, clear expectations, and accountability.

Develop and execute strategies to reduce delinquency, improve cure rates, and minimize charge-offs.

Ensure immediate adoption of all new policies, scripts, and process changes.

Performance Oversight


Monitor and analyze key performance indicators, delinquency, roll rates, repo counts, and charge-offs.

Deliver scorecards, conduct performance reviews, and implement corrective action as needed.

Identify performance gaps proactively and lead targeted improvement initiatives.

Compliance & Process Execution


Ensure all collections activity complies with FDCPA, repossession policy, and internal standards.

Escalate accounts when necessary, and apply solution-focused judgment.

Partner with Service, Insurance, QA, Training, Recovery, and Originations to maintain full departmental alignment.

Customer & Team Engagement


Handle escalated customer issues, negotiating resolutions aligned with company goals.

Mentor employees, building leadership skills and reinforcing STATE CAP AUTO FINANCE’s standards of urgency and professionalism.

Foster a culture of high performance built on trust, accountability, and measurable results.

Required Skills & Experience


5 years of collections leadership experience in auto finance or consumer lending.

In-depth knowledge of FDCPA, repossession processes, and bankruptcy law.

Proven track record of reducing delinquency, managing repossessions, and enforcing high-performance standards.

Strong communication, coaching, and decision-making skills.

Proficient in Microsoft Office, and collections performance systems.

Employment Requirements


Background check and U.S. work authorization required.

Valid driver’s license.

Full-time, Monday–Friday 8-6pm, with occasional Saturdays and flexibility for extended hours.

Benefits

Base salary commensurate with experience

Paid Training and Development

Career Growth Opportunities

Full Benefits Package: Health, Dental, Vision, Life Insurance, & Short-term and Long-term Disability

Paid Time Off

401(k)

Pay: $30,000.00 - $70,000.00 per year

Benefits:

• 401(k)
• Dental insurance
• Disability insurance
• Health insurance
• Life insurance
• Paid sick time
• Paid time off
• Vision insurance

Work Location: In person

Salary : $30,000 - $70,000