Service Finance - Home Improvement Dealer Advance and Progress Pay Manager - Remote Flexibility

The Advanced Payment Program Manager owns the end-to-end enrollment, execution, and risk management of the Dealer Advance and Progress Pay programs, which collectively represent over 75% of Service Finance's total fundings. This role partners closely with prospective dealers and the Sales team to underwrite and decision program enrollment, balancing the firm's risk appetite with strong dealer relationships.

The manager also leads a team of 4-5 Dealer Advance and Progress Pay Analysts, overseeing active monitoring of advance pay agings and ensuring enrolled dealers adhere to the timelines and obligations outlined in the Advance Pay Master Dealer Agreements. Success in this role requires strong financial analysis, operational discipline, sound risk judgment, and the ability to lead a small team while working directly with dealer partners.

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

1. Own and maintain policies, procedures, and service-level agreements (SLAs) for the Dealer Advance and Progress Pay programs; evolve program frameworks as portfolio performance, regulations, and market conditions change.

2. Review dealer financial statements and assess going-concern risk, including liquidity position, debt service capacity, covenant compliance, and adverse financial trends.

3. Partner with the Risk Management organization to ensure alignment on risk appetite, dealer qualification standards, and program controls.

4. Work directly with prospective dealers to understand their business models, operational capacity, and advance pay requests.

5. Analyze prior dealer fundings, job turnover, and utilization trends to support the setting and ongoing adjustment of Progress Pay limits.

6. Lead, coach, and manage a team of 4-5 Dealer Advance and Progress Pay Analysts responsible for monitoring advance pay agings and ensuring compliance with program requirements and contractual timelines.

2. Bachelor's degree, or equivalent education and related training or experience

4. Able to use problem solving skills to identify and resolve customer and dealer related issues

5. Strong administrative experience Work well in a team environment

8. Proven oral and written communication skills consistent with Service Finance standards

5+ years of experience in commercial lending or credit risk.

Bachelor's or master's degree in Finance, Accounting, or a related field.

The annual base salary for this position is $80,000 - $100,000.