Disclaimer: This job posting is for a position on behalf of a private client of DOWC LLC. Please note that while DOWC LLC is facilitating the recruitment process, the employer of record will be the client, not DOWC LLC. All employment-related matters, including hiring decisions, compensation, benefits, and day-to-day management, will be handled directly by the client. DOWC LLC is not the employer for this role.

Position Summary
The Head Finance Manager is responsible for leading the dealership’s Finance & Insurance (F&I) operations while driving profitability, compliance, operational excellence, and customer satisfaction. This role oversees all dealership finance operations (producing and hands on) related to vehicle financing, lender relationships, product sales, deal structure, and F&I performance. The ideal candidate is a strategic go-getter with strong automotive retail experience and a deep understanding of financing, compliance, and customer experience.

Key Responsibilities

Finance & Deal Structuring

Oversee all vehicle financing transactions and ensure deals are structured accurately and competitively.
Review and approve finance packages, lender submissions, and deal profitability.
Manage relationships with banks, credit unions, and lending partners.
Ensure financing solutions align with customer needs and dealership objectives.

F&I Product Strategy

Drive sales performance across F&I products including:
Vehicle Service Contracts
GAP Coverage
Maintenance Programs
Tire & Wheel Protection
Ancillary Protection Products
Develop strategies to improve product penetration and overall gross profit.

Compliance & Risk Management

Ensure compliance with all federal, state, and local regulations related to automotive finance and consumer protection.
Maintain adherence to dealership policies and ethical sales practices.
Monitor documentation accuracy and audit deal files regularly.
Stay informed on evolving finance and lending requirements.

Operational Excellence

Analyze financial performance metrics and prepare regular departmental reporting.
Identify trends and opportunities to improve conversion rates and finance penetration.
Collaborate with accounting teams to ensure timely funding and reconciliation.
Optimize dealership systems and workflows.

Customer Experience

Maintain a high standard of professionalism and transparency throughout the financing process.
Resolve escalated customer concerns and support customer retention initiatives.
Ensure financing conversations are efficient, consultative, and customer-focused.

Qualifications

Minimum of 5+ years of automotive dealership experience as a lead F&I Manager.
Strong understanding of dealership operations, lending practices, and compliance requirements.
Proven success improving F&I gross profit and departmental performance.
Excellent leadership, negotiation, communication, and analytical skills.
Hungry, motivated, and go-getter mentality, must be performance driven.
Proficiency with dealership management systems (DMS), CRM platforms, and reporting tools.

Pay: $180,000.00 - $300,000.00 per year

Benefits:

401(k)
Dental insurance
Health insurance

Ability to Commute:

Bridgewater, NJ 08807 (Required)

Work Location: In person

Dealer Owned Warranty Company

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