Finance Director (Automotive F&I)

Location: San Diego, CA — on-site required. No remote or hybrid arrangements; availability is required during high-volume periods, weekends, and month-end close.

Salary: $125,000–$225,000 OTE, including base salary and commission.

Company

AI-native automotive retail platform serving electric vehicle buyers and sellers through online and offline operations across the United States.

What you will do

• Own F&I profitability, including product penetration, reserve, and per-unit back-end gross performance.
• Manage lender strategy, lender relationships, buy rates, reserve structures, program terms, approval depth, and funding speed.
• Select, price, and manage protection product portfolios while balancing customer value and margin.
• Standardize menus and presentation practices across sites to ensure a consistent customer experience.
• Build and maintain F&I compliance, certification, and training programs covering disclosures, adverse action, rate and product integrity, and documentation.
• Improve contract accuracy, funding speed, reporting, and deal quality while reducing kickbacks, rewrites, and contracts in transit.

Requirements

• 7+ years of automotive F&I experience, including at least 3 years leading F&I managers or serving as a corporate or regional F&I leader.
• Demonstrated success increasing back-end gross and product penetration without increasing compliance risk or customer complaints.
• Deep knowledge of lender programs, reserve structures, protection product economics, and relevant lender and provider relationships.
• Command of F&I regulations, including Truth in Lending, Equal Credit Opportunity, adverse action requirements, and applicable state requirements.
• Experience leading managers, including hiring, performance management, and building certification and training programs.
• Hands-on experience designing or restructuring F&I compensation plans.
• Experience working with modern DMS and menu systems and analyzing deal-level data rather than only summary reports.

Nice to have

• Electric vehicle retail or direct-to-consumer sales experience.
• Experience in a used-vehicle-only operation.
• AFIP certification or equivalent compliance credentials.
• Experience building an F&I function from scratch or standardizing operations across independently managed sites.

Culture & Benefits

• On-site work in San Diego with weekend and high-volume-period availability.
• Medical, dental, and vision coverage.
• 401(k), paid time off, and sick time.
• Opportunity to build standardized F&I operations for a rapidly scaling automotive platform.