Specialist, Unwinds

What’s Under the Hood

DriveTime Family of Brands includes in-house financing and servicing through Bridgecrest, which is one of the country’s leading financial servicing providers. Bridgecrest services roughly $17 billion in finance receivables for DriveTime and other third parties. We service auto loans across a wide credit spectrum with the intent of creating a strong path to vehicle ownership for our customers.

That’s Nice, But What’s the Job?

General Summary: What business need does this position exist to fill?

This position involves partnering with DriveTime and Carvana to assign qualifying accounts for repossession, resulting in reversing a car loan to resell and monitoring transportation. The role requires attention to detail, timeliness, and leveraging multiple systems to accomplish tasks.

Essential Job Functions: What will be required in the role?

• Complete a thorough review of delinquent accounts before creating an order for repossession
• Review unwinds paperwork submitted to ensure 100% accuracy while partnering with DriveTime dealership to return documents and make any necessary updates    
• Once recovered, coordinate the transportation between the repossession vendor and dealership
• Utilize sound judgment when necessary to have the drop location updated by the dealership
• Partner with the DriveTime dealership to complete vehicle inspection
• Undo loans, calculate and assist in processing refunds owed to customers in a timely manner
• Assist management in reviewing vehicle damages for escalation
• Send documentation to customers to outline the unwind process and the impacts to the customer
• Work within our servicing platform as system of record for customer information and payment schedules as well as other systems to assign and monitor recovery efforts
• Assign and communicate status updates on Carvana assignments to the appropriate point of contact
• Performs other related duties as assigned

Knowledge, Skills and Abilities (KSAs): What KSAs are required to perform this job?

• Clear, concise and professional written and oral communications and interpersonal skills.
• Comfortable with legal jargon and ability to identify legal risks based on defined process and procedures
• Strong time management and organizational skills, and ability to maintain a consistent and positive demeanor in a fast-paced work environment
• Professional and persuasive communication skills
• Ability to prioritize and multi-task to ensure the achievement of assigned performance objectives
• Ability to effectively apply professional acumen and communication skills to favorably resolve issues escalated from internal and external customers
• Ability to drive departmental compliance with FDCPA requirements
• Knowledge of collection policies/procedures including skip tracing and the Fair Debt Collection Practices Act (FDCPA), and local state repossession law
• Self-motivated with strong decision-making capabilities; ability to self-start
• Ability to work in an accurate, detail-oriented and highly productive manner

Work Experience/Education: Minimum education and/or experience requirements necessary to perform this job

• High School Diploma, GED, or equivalent certification
• Experience with Microsoft Office such as Excel, Outlook and Word
• 2+ years of experience in loss mitigation, collections, and/or financial services; administrative or data entry experience preferred
• Associate degree or bachelor’s degree in business or related field may be used as a proxy for experience

Physical Requirements: The physical demands for this job

The Physical demands described within are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Must be able to remain in a stationary position at least 75% of the time
• Occasionally move about inside the office to access file cabinets, office machinery, etc.
• Requires visual acuity and manual dexterity to constantly operate a computer and other office productivity machinery, such as a calculator, copy machine, and printer
• Frequently communicate with internal and external customers. Must be able to exchange accurate information in these situations
• This position could require moving objects up to 20 pounds

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities