First Help Financial

Associate

• Identify the best-known address to locate the client’s collateral or customer
• Determine if the customer holds special status such as Bankruptcy, Active-Duty Military, and others
• Generate successful leads and contacts for Recovery Agents by utilizing all available sources
• Communicate frequently with Recovery Agents via phone, email, and recovery systems
• Confirm FHF’s Lien holder status of pursued collateral
• Review and analyze credit applications and in-house documents to help determine location
• Assign or Reassign repossession orders after validating correct address/place of employment or other helpful leads
• Use independent judgment and discretion to ensure compliance with all state and federal codes, regulations, and laws that pertain to the position
• Report on independently identified trends in recovery data to contribute to FHF’s proprietary underwriting model
• Places outbound follow up calls to vendors to verify requirements to recover
• Stay up to date on current state legislation involving impound requirements and notification guidelines
• Comply FHF compliance requests and requirements
• Ensure all information/leads provided are being acknowledged and followed up on
• Ensure confidentiality of the company’s operations, portfolio, customer information, and computer technology
• Some Administrative tasks will be required
• Additional duties as assigned by management

Associate Skip Tracing

• Validate repossession requests submitted through the assignment dashboard to ensure accuracy and eligibility
• Conduct thorough reviews of assignment criteria per the FHF Repossession Manual
• Assign qualified repossession agents and oversee tracking, follow-up, and timely collateral recovery
• Maintain strong, consistent communication with repossession partners to support efficient operations
• Monitor and update all system statuses before and after repossessions to ensure data integrity
• Process collateral release requests for agents and auction partners when accounts are reinstated
• Perform hold and closure reviews of all repossession cases to ensure compliance and completeness
• Adhere to all FHF compliance guidelines, policies, and regulatory requirements
• Complete general administrative tasks as needed to support departmental workflow
• Execute additional projects or assume additional responsibilities as assigned by management

Associate Asset Management

Account Executive

• You'll manage and grow relationships with a portfolio of auto dealerships in Tennessee, serving as their go-to partner for loan originations.
• Grow the territory: prospect and onboard new dealership partners, including cold outreach, to expand our footprint
• Own the relationship: be the primary point of contact for your dealer accounts, available during their business hours via phone, text, and email
• Educate and consult: walk dealership staff through our financing programs so they can sell them confidently to their customers
• Be in the field: regular travel to dealerships across your territory; this is a relationship business, and the best reps build theirs in person
• This role rewards autonomy: you'll set your own schedule and travel plan within your territory, with the training and support to back it up.

Territory Sales Representative

Compliance

• Identify gaps, score and rank compliance obligations by likelihood and severity, and maintain a living risk register.
• Control design: build and maintain controls that translate compliance requirements into day-to-day business practices.
• Draft, maintain, and disseminate policies and procedures, ensuring the inventory stays current and properly version-controlled.
• Run a structured, risk-based monitoring and testing program, including a defined testing calendar and methodology.
• Log findings from testing, audits, exams, and self-identification; assign root cause; and drive remediation to closure against defined timelines.
• Coordinate regulatory examinations under the VP of Compliance's sponsorship, including document requests, scheduling, and examiner communication logistics.
• Build and maintain KPI dashboards and prepare regular compliance reporting on program health, findings, and remediation status for the VP of Compliance, executive leadership, and the board.
• Directly lead assigned compliance staff, with accountability for their performance and development.
• Work directly with business, operations, and technology stakeholders to embed compliance requirements into day-to-day processes.

Director of Compliance

Sales

• Own the onboarding training for new hires for all Sales positions
• Conduct skills gap analyses to identify areas of improvement for current sales team
• Coordinate individual and team performance review sessions to discuss strengths and weaknesses
• Collect feedback from trainees and managers about training courses
• Report on impact of training programs
• Host group training for sales teams
• Maintain updated records of training material and curriculum
• Develop proficiencies in internal administration systems and processes that support the task of the sales team
• Review the training materials regularly and report any needed updates to the Team Lead, ensuring Sales, UW, Compliance and Tech can reference one place for program rules
• Collaborate with Sales Ops Associate on the creation of training materials
• Conduct post-training reviews, assessments, and surveys to assess the curriculum and training effectiveness

Sales Trainer

Inside Sales

• Follow-up with dealers on all eligible applications after approval.
• Negotiate with dealerships to win as many deals as possible with best possible terms for FHF (maximize FHF’s “win-rate” for approved applications).
• Assist the dealer as single point of contact for all communication with internal FHF teams.
• Monitor dealer behavior to pick up red flags for dealer risk.
• Travel required to dealerships based on assigned market needs.
• Support Outside Sales team with specific dealer-related initiatives to increase volume.
• Support Servicing and Collections team to handle dealer complaints or other conflicts.
• Manage the list of open applications to ensure timely follow-ups with dealers.
• Overall, manage all aspects of dealer communication across various internal FHF stakeholders to ensure a seamless experience for dealers.

Bilingual Inside Sales Associate

• Build and maintain strong relationships with current and prospective auto dealerships in your territory
• Serve as the primary point of contact for dealership accounts, requiring availability via phone, text, or email during the business hours of accounts in this territory
• Educate dealerships on our services
• Prospect auto dealerships for future business, including cold-calling
• Weekly travel to dealerships in your designated geography

Insurance

• Record, track, and follow up with insurance and claim-handling companies
• Maintain accurate and complete claim records
• Investigate reported collision events, including impound, skip tracing, and customer service inquiries.
• Collaborate directly with the Loss Mitigation, Insurance, and Ancillary teams.
• Prepare requested claim documentation.
• Collect all necessary documentation from insurance providers.
• Process and file total loss payments.
• Manage claim-related documents.
• Investigate issues throughout the claim lifecycle.
• Assist with lienholder claims as required.
• Handle other assigned projects.

Insurance – Total Loss Associate

Attorney

• Design and own the qualification criteria that determine which accounts with a defiance balance are eligible for legal escalation.
• Monitor the legal escalation pipeline to confirm the right accounts are being worked and the criteria are being applied accurately.
• Review and approve all settlement letter content before any mail is sent.
• Review and approve the deficiency collection contact script and settlement authority structure before they are used with borrowers.
• Own the legal and compliance reporting within the collections KPI package.
• Complete FDCPA and UDAAP review of consumer-facing components before launch and provide sign-off.
• Build and maintain a state-by-state legal viability map for deficiency collections across the portfolio.
• Ensure all deficiency collection approaches across borrower segments are anchored to loan attributes, not internal product or program classification.
• Manage bankruptcy filings across the portfolio.
• Coordinate responses with compliance on CFPB inquiries, state attorney general matters, and consumer complaints escalated through regulatory channels.
• Build and deliver compliance training for post charge-off staff before any live account is worked.
• Vet all third-party collection agencies before any account is placed.
• Own the ongoing agency compliance program.
• Oversee third-party BPO partners working post charge-off accounts.
• Lead outside counsel evaluation and selection for the legal escalation pipeline.
• Write and maintain all policies and procedures for the post charge-off collections program.
• Manage active collections-related litigation in coordination with outside counsel.
• Identify process gaps that create legal exposure or leave recovery on the table.
• Serve as the legal and compliance resource for daily questions from collection agents, team leads, and directors.
• Hire and develop direct reports as program volume increases.

Collections Legal and Recovery Compliance Manager

Data Scientist

• Design, develop, validate, and continuously enhance end‑to‑end risk models and scorecards across the credit lifecycle, including Originations, Pricing, Loss Forecasting, Servicing, and Collections.
• Partner closely with Risk, Finance, Product, and Operations teams to translate business problems into analytical solutions that drive measurable outcomes.
• Evaluate and integrate new data sources, features, and modeling approaches, assessing their incremental value, robustness, and impact on risk and profitability.
• Lead what‑if, stress testing, and scenario analyses to support strategic initiatives, new programs, and policy changes.
• Ensure models are interpretable, stable, and production‑ready, balancing predictive power with regulatory and operational constraints.
• Own the ongoing monitoring and performance tracking of models, identifying degradation, bias, or drift and proactively proposing improvements.
• Stay current on regulatory expectations and industry best practices in credit risk modeling, particularly within the auto finance space, and incorporate them into modeling standards and documentation.

Senior Data Scientist – Risk Analytics

QA Engineer

• Build and execute manual and automated test cases.
• Collaborate with other team members, build a long-term quality strategy and drive the successful implementation over time.
• Provide expertise on the grooming, estimating, and testing of the stories in a sprint.
• Support scrum team in the creation of proper test cases.
• Track and report bugs that have been found.
• Manage testing resources as needed to complete the sprint and overall epic goals.
• Develop smoke tests, sanity tests, performance, and reliability testing as needed.
• Provide quality metrics and expert insight into the health of the software.
• Use appropriate quality tools and infrastructure to scale and manage our testing effort.
• Enhance and improve the testing methodology for better results, increased productivity, and higher quality, becoming the QA expert in the team.

Quality Assurance Lead, Contract

Product Manager

• Partner with Subject Matter Experts, operational leaders, and business users to develop a deep understanding of product features, workflows, and business needs.
• Collaborate with product, design, and engineering teams to define and evolve product strategy in the auto finance and loan servicing domain.
• Own and manage the product backlog, ensuring priorities align with business goals and customer impact.
• Write clear, actionable user stories with well-defined acceptance criteria.
• Facilitate backlog grooming, sprint planning, and other Agile ceremonies to drive efficient delivery.
• Act as the primary liaison between stakeholders and engineering teams, ensuring clarity, alignment, and timely decision-making.
• Translate complex business requirements into scalable technical solutions.
• Monitor product performance, gather feedback, and continuously iterate to improve outcomes.
• Work closely with Product Management during the initial 6 to 12 months to ramp up on domain and product knowledge, then take ownership of specific product areas.

Product Owner – Contract

DevOps Engineer

• Ensure the availability, performance, and reliability of the LOS through proactive monitoring and incident response.
• Partner with product and engineering teams to define and maintain SLOs/SLAs, introduce error budgets, and drive accountability.
• Collaborate on architectural improvements aimed at increasing resilience, scalability, and observability.
• Lead incident analysis and postmortems, and implement preventive actions.
• Design, build, and operate infrastructure as code (IaC) using Terraform.
• Improve observability tooling and practices using Datadog, enhancing alerting, tracing, and system dashboards.
• Participate in on-call rotations and respond to production incidents.
• Automate operational processes and promote a DevOps culture across squads.

Associate Skip Tracing

Associate Asset Management

Territory Sales Representative

Director of Compliance

Sales Trainer

Bilingual Inside Sales Associate

Territory Sales Representative

Insurance – Total Loss Associate

Collections Legal and Recovery Compliance Manager

Senior Data Scientist – Risk Analytics

Quality Assurance Lead, Contract

Product Owner – Contract

Territory Sales Representative

Bilingual Inside Sales Associate

Senior Site Reliability Engineer – Contract