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Salary: USD 125,000 - 225,000 / annual
Ever is building an AI-native auto retail platform focused on electric vehicles, with a full-stack business serving EV buyers and sellers online and offline across the nation. The company has raised $100M in total funding and is led by veterans from Uber, Tesla, Rivian, Lithia, Penske, Carvana, Lyft, Meta, J.P. Morgan, and BCG.
As Finance Director based in San Diego, you will own the finance and insurance (F&I) vertical for your location, reporting to the General Manager and leading site Finance Managers. You will be responsible for the complete F&I profitability and operations, including lender strategy, product portfolio, menu and presentation standards, compensation design, compliance framework, and back-end gross results.
Key responsibilities include:
- Owning F&I profitability metrics: product penetration, reserve, and per-unit back-end gross with clear improvement plans
- Managing the lender panel, buy rates, reserve structures, and program terms; maintaining relationships that drive approval depth and funding speed
- Selecting, pricing, and managing the protection product lineup to balance customer value and margin
- Defining standardized menu and presentation standards across all sites for consistent customer experience
- Building and maintaining the F&I compliance framework and certification program covering disclosure accuracy, adverse action handling, rate and product integrity, and documented training
- Owning contract accuracy, time to funding, and reducing contracts in transit, kickbacks, and rewrites through process improvement
- Developing F&I reporting for leadership including performance by site, manager, and product with supporting analysis
- Actively working in stores reviewing deals, coaching managers, and closing the gap between intended and actual F&I execution
Success looks like: per-unit back-end gross climbing toward industry benchmarks and holding as volume scales; a clean compliance record with all team members certified and current; faster, cleaner funding with fewer kickbacks and rewrites; and contracts in transit staying within target.
Requirements:
- 7+ years in automotive F&I with at least 3 years leading F&I managers or serving as a corporate/regional F&I leader
- Demonstrated track record of raising back-end gross and product penetration without increasing compliance risk or customer complaints
- Deep working knowledge of lender programs, reserve structures, and protection product economics with established relationships
- Command of the regulatory framework governing F&I including Truth in Lending, Equal Credit Opportunity, adverse action handling, and applicable state requirements
- Experience leading managers (not just individual contributors) including hiring, performance management, and building certification and training programs
- Hands-on experience designing or restructuring F&I compensation plans
- Comfort with modern DMS and menu environments with analytical ability to work from deal-level data
Nice to have: EV and direct-to-consumer retail experience; used-vehicle-only operation background; AFIP certification or equivalent; experience standing up or standardizing F&I functions across multiple sites.
