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About the Role

The Sub-Prime Finance Manager specializes in securing financing for customers with non-prime and sub-prime credit profiles while delivering a transparent, compliant, and customer-centric experience. This role partners with the Sales team to structure deals, builds relationships with lenders, and presents tailored protection products.

Responsibilities

• Analyze credit applications and bureaus to structure deals meeting lender guidelines.
• Maintain and grow relationships with sub-prime lenders and OEM finance partners.
• Prepare accurate deal jackets and ensure all stipulations are satisfied to accelerate funding.
• Transparently present and sell protection products aligned to customer needs.
• Uphold dealership, OEM, and regulatory compliance standards.
• Provide clear explanations of finance terms and credit-rebuilding guidance to customers.
• Collaborate with Sales, Management, and Accounting to ensure clean deal flow.
• Track KPIs and implement action plans to improve performance results.
• Manage special-finance leads and maintain CRM documentation.
• Standardize processes and coach Sales staff on credit-profile discovery.
• Identify and mitigate risks related to fraud or high-risk structures.
• Mentor Sales Consultants on special-finance workflows.

Requirements

• Proven success in automotive F&I with a focus on non-prime/sub-prime lending (2+ years).
• Strong understanding of lender programs, credit tiers, and backend product allowances.
• Excellent credit analysis, deal-desk, and negotiation skills.
• High standards of ethics and compliance knowledge.
• Exceptional communication skills with an empathetic approach.
• Proficiency with DMS/CRM systems, lender portals, and office software.
• Highly organized with strong attention to detail.
• High school diploma.
• Licensing/registration for selling credit/insurance products as required by local or provincial regulations.

Skills

• Credit analysis
• Deal structuring
• Lender relationship management
• Compliance and regulatory knowledge
• Negotiation
• DMS/CRM proficiency
• Financial documentation
• Customer service

Location

• Etobicoke, Ontario

Work Type

• Full-time

Experience Level

• 2+ years of automotive F&I experience

Education Level

• High school diploma
• Post-secondary education in business, finance, or related field is an asset

Benefits

• Competitive compensation
• Dental & extended health coverage
• Company pension
• Paid time off
• Life & disability insurance
• Employee & family assistance programs
• Vehicle purchase & service discounts
• Paid professional development
• Company-wide appreciation events

About the Company

• Family-owned and operated automotive group.
• Part of the Kaizen Automotive Group.
• Embraces Kaizen (continuous improvement) as a core culture.

Equal Opportunity

• We are an equal opportunity employer and are committed to providing a diverse, inclusive, and accessible workplace.
• Employment decisions are based on qualifications, merit, and business needs.
• Committed to providing accommodations in accordance with the Accessibility for Ontarians with Disabilities Act (AODA).