Sub-Prime Finance Manager

Brand Statement

Rev Up Your Career at Woodbine GM in Etobicoke, Ontario!

Join a team where progress isn’t just a goal, it’s the culture we live and breathe. As part of a family-owned and operated automotive group, Woodbine GM embraces Kaizen —‘continuous improvement’— as the driving force behind how we operate. We are always evolving to deliver an exceptional experience for our customers, strengthen opportunities for our employees, and support the communities in which we work.

At Woodbine GM, you’ll step into a fast‑paced, forward‑thinking environment where your ideas matter, your growth is prioritized, and your work fuels a culture of excellence. If you're passionate, driven, and ready to accelerate your career, this is the place for you.

Start your engine - your next great opportunity begins here!

As part of the Kaizen Automotive Group, Woodbine GM is proud to be able to empower our associates with a supportive workplace and access to the benefits they need along their professional journey to feel happy, healthy and valued. Full‑Time employees enjoy a robust benefits package, including:

• 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
• And SO MUCH MORE!

Overview

Position Summary 

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 closely with the Sales team to structure approvable deals, builds strong relationships with non‑prime lenders, and presents tailored protection products that align with the customer’s needs and budget. The ideal candidate combines deep lender knowledge with empathetic communication, strong compliance discipline, and a focus on profitability and funding speed. 

Responsibilities and Qualifications

Key Responsibilities

• Deal Structuring & Approvals: Analyze credit applications and bureaus, structure deals that meet lender guidelines, and secure timely approvals with optimal terms.
• Lender Relationship Management: Maintain and grow relationships with sub‑prime lenders and OEM finance partners; negotiate terms, stips, and callbacks to maximize approvals and gross. 
• Documentation & Funding: Prepare accurate, complete deal jackets; ensure all disclosures, verification, and stipulations are satisfied to accelerate funding and reduce chargebacks. 
• Product Presentation: Transparently present and sell protection products (warranty, GAP where applicable, protection plans) aligned to customer needs and lender allowances. 
• Compliance & Ethics: Uphold all dealership, OEM, and regulatory standards (privacy, disclosures, Red Flags/AML, unfair/deceptive practices, credit‑related regulations) and pass internal/OEM audits. 
• Customer Experience: Provide clear explanations of finance terms, lender conditions, and next steps; manage expectations and support long‑term credit‑rebuilding guidance. 
• Cross‑Functional Collaboration: Work with Sales, Used/New Car Managers, and Accounting to ensure clean deal flow, accurate booking, and on‑time deliveries. 
• Portfolio & Performance Management: Track KPIs (approval rates, look‑to‑book, product penetration, PVR, funding cycle time, chargeback rate) and implement action plans to improve results. 
• Lead Handling: Support inbound/outbound special‑finance leads; maintain rigorous CRM notes and follow‑up cadence to increase show and close rates. 
• Process Improvement: Standardize stips checklists, lender matrices, and desk tools; coach Sales on credit‑profile discovery and realistic payment positioning. 
• Risk Management: Identify potential fraud, straw purchases, and high‑risk structures; escalate per policy and document decisions thoroughly. 
• Training & Development: Mentor Sales Consultants on special‑finance workflows and documentation best practices. 
• All other duties as assigned by Corporate or Store leadership.

 
Qualifications 

• Proven success in automotive F&I with a focus on non‑prime/sub‑prime lending (e.g., 2+ years) required.
• Strong understanding of lender programs, credit tiers, stip requirements, advance structures, and backend product allowances. 
• Excellent credit analysis, deal‑desk, and negotiation skills, with the ability to balance approvals, customer affordability, and profitability. 
• High standards of ethics and compliance; thorough knowledge of required disclosures, privacy, identity verification, and anti‑fraud procedures. 
• Exceptional communication skills with an empathetic, solutions‑oriented approach to customers rebuilding credit. 
• Proficiency with DMS/CRM systems, lender portals, and office software (Excel, Outlook, Word). 
• Highly organized with strong attention to detail; able to manage multiple deals and deadlines in a fast‑paced environment. 
• Collaborative mindset with the ability to partner effectively with Sales, Accounting, and management.
• High school diploma required; post‑secondary education in business, finance, or related field is an asset. 
• Licensing/registration for selling credit/insurance products as required by local or provincial regulations. 

INDCVO

Posted Salary Range

Disclosures

Equal Employment 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. 

Accessibility & Accommodation Statement

We are committed to providing accommodations in accordance with the Accessibility for Ontarians with Disabilities Act (AODA). If you require accommodation at any stage of the recruitment or selection process, please let us know and we will work with you to find an accommodation by emailing jobpostings@kaizenauto.com.  

Privacy Notice 

Personal information collected during the recruitment process will be used for hiring purposes and handled in accordance with applicable privacy legislation. 

Artificial Intelligence Disclosure 

We use artificial intelligence–enabled tools, including Predictive Index, as part of our recruitment process to assess role-related suitability. The use of these tools does not replace human decision-making. All hiring decisions are made by human representatives involved in the hiring process.