Repossession Manager

Repossession Manager UNIFY Financial Credit Union United States, Nevada, Las Vegas May 12, 2026 Repossession Manager ID 2950 Type Full-Time Summary Job Summary Oversees the end-to-end asset recovery process for defaulted loan accounts, including repossession assignment, vendor management, collateral disposition, and post-sale resolution activities. Ensures adherence to regulatory requirements and internal policies while driving performance through effective oversight of recovery strategies, reporting, and cross-functional collaboration.

Department Hours:

Monday-Friday 6am PT•6pm PT, Saturdays 6am PT•2:30pm

PT Role Hours:

Monday-Friday from 9am PT•6pm PT, and Rotating Saturdays from 6am PT•2:30pm PT Duties & Responsibilities Duties and Responsibilities Oversee daily loss recovery operations, including reviewing, approving, and assigning defaulted auto loans to recovery agents in accordance with credit union and state guidelines, monitor vendor progress and timelines. Manage performance, priorities, and development of the repossession specialists. Monitor dashboards, queues, and reports to ensure timely follow-up, balanced workloads, and performance tracking. Manage relationships with repossession agents, skip tracers, auction facilities, and titling agencies; enforce vendor compliance and performance standards. Resolve complex or escalated recovery cases, including member disputes, legal inquiries, redemption terms, and high-risk accounts. Oversee collateral valuation, damage assessment, and disposition strategies; coordinate repairs, insurance claims, and auctions or direct sales to maximize recovery value. Review loan files for inconsistencies or potential fraud; escalate concerns to Risk Management as appropriate. Review post-sale accounts and authorize placement of deficiency balances with approved collection agencies or legal counsel in accordance with policy. Partner with internal teams to align strategies and improve recovery results. Ensure compliance with all applicable federal and state regulations, including FDCPA, SCRA, FCRA, UDAAP, BSA, OFAC, the Patriot Act, and state-specific servicemember protections (e.g., California Military and Veterans Code "CA SCRA") as well as other applicable state laws. Ensure strict adherence to Right to Cure requirements in applicable states; oversee issuance of Notice of Intent to Sell and Deficiency Balance letters. Train, mentor, and coach team members on recovery procedures, systems, and regulatory updates. Analyze recovery performance, vendor activity, sales outcomes, and loss trends; prepare and present reports to management with recommendations. Review and audit vendor invoices, sale proceeds, refunds, and dealer reconciliations for accuracy and timeliness. Ensure proper documentation of recovery actions and timely issuance of required legal notices. Support process improvements, enhanced recovery rates, and overall member experience. Perform additional duties to support departmental goals and organizational initiatives. Oversees clerical processing functions supporting Loss Recovery and Account Resolution operations, ensuring accurate and timely completion of all transactional and administrative duties.

Support function responsibilities include:

transactional payment processing, loan modification and extension processing, loan charge-off processing and account adjustments. Manager is also responsible to ensure accurate and timely processing of mail, tow notification, and mail returns.

Requirements Education and Experience Requirements:

Four-year degree and one year of collection experience preferred. In place of a degree, three years of collection experience could be substituted.

Required Knowledge, Skills and Abilities:

General knowledge of collection practices and default servicing processes Experience with installment, credit card, and real estate loan collections Knowledge of credit union or financial institution products and services Must be able to appropriately resolve conflicts, escalated issues, and complex member situations Must be PC literate; proficient in Microsoft Office and applicable loan/collection systems Ability to conform to new policies, procedures, and regulatory initiatives Must be organized, detail oriented, and able to manage multiple priorities Ability to function and thrive in a high-volume, production-driven environment with strict deadlines Ability to work effectively both independently and within a team environment Strong interpersonal skills with the ability to resolve conflict and miscommunication Strong written and verbal communication skills Ability to maintain a high level of confidentiality when handling sensitive member and financial information Knowledge of repossession and collateral recovery processes, including vendor management and asset disposition practices Understanding of applicable federal and state regulations, including FDCPA, SCRA, FCRA, UDAAP, BSA, OFAC, the Patriot Act, and state-specific laws (e.g., California Military and Veterans Code protections)