Legal Counsel - Senior Manager/Manager, Servicing

Overview

This role involves serving as product counsel for servicing products, systems, and operations within a leading used car finance organization. The attorney will ensure compliance with laws and company policies related to servicing retail installment sale contracts. The position requires providing timely legal advice to business colleagues on product initiatives, addressing legal, regulatory, and policy concerns, and aligning with strategic objectives.

Responsibilities

• Provide primary legal support to Product Managers, Engineers, Designers, Sales, Marketing, and other teams regarding servicing products, systems, and operations.
• Serve as Subject Matter Expert on consumer protection laws and regulations affecting retail installment transactions, including knowledge of retail installment sales acts, consumer credit codes, Article 9, repossession laws, debt collection, certificate of title laws, federal consumer bankruptcy law, TILA, FTC Act, SCRA, and UDAAP.
• Support servicing operations leaders and teams such as repossession, redemption, remarketing, titles, deficiency collection, bankruptcy, and servicing systems’ product and engineering teams.
• Collaborate with cross-functional Customer Value Teams (CVTs) to provide legal, business, and strategic advice, supporting problem-solving and product roadmap execution.
• Coordinate with other legal department SMEs to deliver practical legal advice to CVTs and servicing business teams.
• Analyze changes in laws, regulations, and policies affecting motor vehicle finance servicing; communicate impacts and scope necessary product or process changes.
• Balance business initiative priorities with legal risk, providing guidance to support successful implementation while mitigating risk.
• Develop and maintain job aids, guidelines, and policies related to servicing business teams.
• Build and maintain relationships across business levels to stay informed on daily operations and provide appropriate legal guidance.
• Negotiate and draft various legal agreements, including vendor agreements; serve as principal legal resource for vendor management initiatives.
• Complete special projects and support Compliance Management Program initiatives.
• If assigned, represent the organization’s interests with regulators and other external parties.

Requirements

• Licensed to practice law with a minimum of 12 years’ experience for Senior Manager level or 10 years’ experience for Manager level.
• Exceptional legal research and writing skills.
• Excellent professional and academic credentials.
• Strong interpersonal and communication skills with a commitment to professionalism and collegiality.
• Ability to confidently interact with senior business leaders.
• Must be authorized to work legally in the United States without sponsorship now or in the future (no H-1B, H-4, or F-1 OPT visa sponsorship).

Preferred Qualifications

• Knowledge of Consumer Financial Services law.

Knowledge and Skills

• Organized and capable of meeting deadlines.
• Positive, professional, determined, calm, and focused under challenging situations.
• Quick thinker with the ability to interpret information promptly and effectively.
• Flexible and adaptable in a fast-paced, innovative, and demanding environment.
• Effective time management for handling multiple time-sensitive matters and projects.
• Receptive to ongoing feedback aimed at improving performance.

Compensation & Benefits

• Senior Manager: $150,000 - $212,000 base salary plus annual bonus plan.
• Manager: $130,000 - $183,000 base salary plus annual bonus plan.
• Comprehensive benefits package including 401(k) match, adoption assistance, parental leave, tuition reimbursement, and medical/dental/vision coverage.

Location

• This position is remote with occasional planned travel to the Southfield, Michigan office.
• Employees may choose to work from the Southfield office if desired.

Additional Information

• Candidates must have degrees from institutions accredited by the Council for Higher Education Accreditation or equivalent.
• The organization is an Equal Opportunity Employer committed to a safe and inclusive work environment.
• Compliance with company policies, processes, and legal guidelines is expected.
• Attendance as required by the department and other duties as assigned.