About Us:

Cars and Credit Master is a people-centered and fast-growing finance company! We are a buy-here-pay-here company, and our goal is to be the #1 dealership and finance company with our customers. We know the best way to achieve this goal is by offering our customers fast and friendly service with best-in-class financing. Our customers are at the center of our mission, and we want to ally with people who have less than ideal credit in their journey towards better credit and better lives. For us, every customer deserves the opportunity to have transportation, financing, and service that is exceptional.

We are equally dedicated to our employees! With great employees, we can achieve anything. Our most successful employees have a strong ownership mentality and are excited to be a part of progress, for themselves and the company! We work hard to support our employees’ growth, both inside and outside of the company because we are committed to their success.

Are you ready to join the team? Check out the opportunity and apply if you’re ready to make a meaningful impact in people’s lives! Our hiring team is focused on supportive communication, and we’ll guide your process the whole way. If you’re a good match, our hiring team will reach out for a chat, and they’ll pass your information along to the hiring manager, who will schedule an in-person interview. In the meantime, you’ll receive an invitation to complete a quick personality assessment that we all can use to drive your growth in the company! We’re excited to grow, and we hope you’re excited to grow with us!

Your Role:

Our Loss Mitigation Representatives drive our loss mitigation team! Our representatives use innovative tools and methods to locate customers and move accounts towards a successful outcome. Each representative has a great opportunity to have ownership and reduce risk for the company by establishing strong methods and practices and helping to develop a great team. Part of this role includes the freedom to negotiate and establish relationships with our vendors and be a part of change as we use the best tools and methods to complete the job! We value collaboration with our specialists and encourage voices to be heard when thinking about improvements that can be made to the process, the customer experience, and company.

What makes is right for you:

• Potential monthly bonus based on performance
• Company-subsidized medical, dental, and vision insurance
• Company-paid life insurance
• Company-paid short-term and long-term disability insurance
• Optional additional insurance benefits
• Generous paid time off (PTO) program
• Six paid federal holidays
• 401(k) plan with company match
• Lucrative bonus potential

What it boils down to:

• Locate customers using basic and advanced skip tracing tools
• Communicate with third parties for the purpose of acquiring customers’ location information
• Search private databases, public records and the world wide web
• Communicate with vendors in order to complete transportation of the vehicle
• Fully work all accounts in a queue until the end of the process
• Work with customers in order to collect payments and redeem vehicles
• Carefully stay up to date with and follow all loss mitigation policies
• Protect privacy of customer’s information
• Notate customers’ accounts for next action
• Meet and exceed company and client goals
• Comply with all federal, state, and local regulations
• Comply with all office policies and procedures
• Performs other duties as assigned

Desired Skills/Abilities:

• Hard working
• Independent drive to succeed
• Organized and methodical
• Bilingual English and Spanish

Our most successful employees are…

• Persuasive communicators - Communicates information in a way that convinces people to agree to a solution. Considers their audience and tailors their message, with honesty, in order to coax people into action.
• Individual results oriented - Understand what individual results are required to be successful and why these results are important. Consider how they can best achieve the results and move towards action.
• Individual Owners - Take ownership of the processes and procedures of their job, their behavior, and their words. Take control of their own career by seeking improvement in themselves, their team, and the organization.
• Committed team members - Committed to the team succeeding. Understand that team success happens when individuals are able to perform at high levels. Are engaged in their own success, and are committed to helping their team members succeed.
• Creative problem solvers - Show an understanding of the problem on a holistic level and the potential solutions. Engage with each problem individually and think outside the box to come up with a solution.
• Self-Motivated - Motivated to act without the need from external pressure. Consider their own strengths and weaknesses and are driven to act accordingly. Consider the needs of the team and company and are motivated to engage deeply in their success, the success of the team, and the success of the company.
• Customer Service Masters - Understand that educating and helping the customer is at the heart of success. Show patience, empathy, and are dedicated to helping the customer with honesty and clarity.
• Honest - Act honestly in dealing with internal and external customers. Consider the ethical standards of the company in all actions.

Education and Experience:

• Minimum of a high school diploma or GED required
• Experience multitasking (answering calls, taking payments, doing research), managing and prioritizing workload
• Basic experience working with computers, Google Workspace, and similar technology
• Experience using Dealer Socket IDMS, FEX, Advantage GPS tracking preferred
• Experience Using Recovery Database Network (RDN) or similar preferred
• Experience negotiating with debtors, 3rd parties, repo agents, transport companies preferred
• Complete knowledge and understanding of all relevant federal, state and local collection regulations including the Fair Debt Collection Practices Act (“FDCPA”) preferred

Physical Requirements:

• Prolonged periods of sitting at a desk and working on a computer
• Must be able to lift 15 pounds at times
• Must be able to access and navigate each department at the organization’s facilities

Job Type: Full-time

Pay: Up to $50,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Referral program
• Vision insurance

Physical setting:

• Office

Schedule:

• 8 hour shift
• Monday to Friday

Supplemental pay types:

• Bonus pay

Ability to commute/relocate:

• Richardson, TX 75082: Reliably commute or planning to relocate before starting work (Required)

Experience:

• Dealer Socket, IDMS and/or Advantage GPS: 1 year (Required)
• a Recovery Database Network (RDN): 1 year (Required)
• negotiating with repo agents and/or transport companies: 1 year (Required)
• AUTOMOTIVE Loss Mitigation: 1 year (Required)
• negotiating with customers: 1 year (Required)

Work Location: In person

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