Finance Manager - Costa Mesa, CA

About the Job

Location: Costa Mesa, CA (Onsite)
Department: Sales
Reports to: Finance Director
Employment Type: Full-Time
Compensation: $110,000–$200,000 OTE (Base + Commission)

About Ever

Ever is building the future of auto retail. As the first AI-native auto retailer, we are building the next $100B+ automotive business, starting with electric vehicles.

Based out of San Francisco and expanding nationwide, we are backed by leading investors and led by former tech & automotive professionals from Uber, Tesla, Rivian, Apple, Amazon, Carvana, J.P. Morgan, BCG, and more. After our recently completed Series B financing, we have raised around $200M in total equity and debt funding. We are growing rapidly and actively recruiting exceptional talent – to set a new frontier in the largest sector of the US retail economy.

Learn more about us at evercars.com.

About the Role

As a Finance Manager at Ever, you'll own the finance and insurance experience for customers buying vehicles through Ever, both in person at our Costa Mesa showroom and digitally with customers nationwide. Reporting to the Finance Director, you'll structure financing, present protection products, work across a broad lender network, and guide each deal through contracting and funding. It's a role for an experienced automotive F&I professional who combines strong deal execution with a transparent, consultative approach and no high-pressure tactics.

What You'll Do

• Present financing options, vehicle service contracts, warranties and protection products to customers in person and remotely by phone or video
• Conduct on-site and virtual F&I consultations with customers nationwide
• Structure, negotiate and finalize financing deals through digital and in-store workflows
• Submit credit applications, evaluate lender programs and approvals, and structure deals to get customers competitive terms
• Manage relationships across a broad lender network and own each deal through funding
• Prepare and review deal jackets and finance documents, digital and physical, for accuracy and timely execution
• Proactively resolve funding delays, stipulations, contract discrepancies and lender issues
• Maintain strict compliance with federal and state regulations, lender requirements and company policies
• Educate customers on EV incentives, available programs and ownership costs
• Partner with Sales, Delivery, Title and Operations teams to ensure smooth handoffs and resolve deal issues
• Deliver a high-trust, consultative buying experience and maintain strong customer satisfaction scores
• Track F&I performance metrics, including product penetration, PVR and gross profit, funding timelines and close ratios

What You Bring

• 3+ years of automotive F&I experience, ideally in a high-volume dealership or automotive retail environment
• Demonstrated success structuring and closing finance deals, presenting F&I products and working with multiple lenders
• Strong understanding of automotive lending, credit applications, lender approvals, funding requirements and backend products
• Customer-first, consultative approach focused on transparency and long-term customer outcomes
• Highly organized and detail-oriented, with strong compliance discipline and follow-through
• Comfortable managing multiple deals and priorities in a high-volume, fast-moving environment
• Collaborative team player who works well across Sales, Delivery, Title and Operations
• Interest in EVs, digital retail and evolving automotive technology

Technical Skills

• Experience with DMS platforms such as Reynolds & Reynolds, CDK, Dealertrack or similar
• Proficiency with RouteOne, CUDL, lender portals and credit application platforms
• Experience with digital contracting, e-signature, CRM and digital retail platforms

Preferred Experience

• Bilingual in English and Spanish or Chinese (Mandarin or Cantonese), with Cantonese highly preferred
• Strong working knowledge of DMV, titling, funding and automotive compliance workflows

Compensation and Benefits

On-target earnings (OTE) for this Costa Mesa-based position are $110,000–$200,000 per year, made up of base salary plus commission, depending on performance, relevant experience and qualifications.

Ever offers health, dental, and vision coverage, as well as time-off benefits.

Equal Opportunity

Ever is an equal opportunity employer. We consider qualified applicants without regard to characteristics protected by applicable law and provide reasonable accommodations during the application and interview process.