Finance Manager, Ever Costa Mesa

About the job

Role: Finance Manager, EV Retail

Location: Costa Mesa, CA (Onsite)

Employment Type: Full-Time

Salary: $110,000-200,000 OTE (base + commission)

About Ever

Ever is building the future of auto retail. As the first AI-native auto retail platform, we are building the next $100B+ automotive business, starting with electric vehicles. Our AI-native product and operations power our full-stack auto retail business, serving EV buyers and sellers across the nation, both online and offline.

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, Lithia, Penske, Carvana, Lyft, Meta, J.P. Morgan, BCG, and more. After our recently completed Series A financing, we have raised $100M in total equity and debt funding. We are growing rapidly and actively recruiting exceptional talent to join our mission of building the next-generation auto retail platform. Learn more about us at evercars.com.

About the Role

As a Finance Manager, you will own the finance and insurance experience for customers purchasing vehicles through Ever, supporting both in-person and digital transactions. You will structure financing, present protection products, work across a broad lender network, and guide each deal through contracting and funding. This role is ideal for an experienced automotive F&I professional who combines strong deal execution with a transparent, consultative customer approach.

What You'll Do

• Present financing options, vehicle service contracts, warranties, and protection products to customers both remotely (phone/video) and in person.
• Conduct virtual and on-site F&I consultations with customers nationwide, providing a transparent and consultative experience.
• Structure, negotiate, and finalize financing deals through digital and in-store workflows.
• Submit credit applications, evaluate lender programs and approvals, and structure deals to achieve competitive terms for customers.
• Leverage a broad lender network while managing lender relationships and owning deals through funding.
• Review deal jackets and documentation for accuracy and completeness prior to contracting and funding.
• Prepare, review, and finalize digital and physical finance documents and ensure timely execution.
• Maintain strict compliance with federal and state regulations, lender requirements, and company policies.
• Educate customers on EV incentives, available programs, and ownership economics.
• Partner closely with Sales, Delivery, Title, and Operations teams to ensure smooth handoffs and resolve deal-related issues.
• Proactively identify and resolve funding delays, stipulation requirements, contract discrepancies, and lender issues.
• Deliver a high-trust, consultative buying experience without high-pressure sales tactics.
• Maintain strong customer satisfaction and experience metrics.
• Track and manage F&I performance metrics, including product penetration, PVR/gross profit, funding timelines, and close ratios.

Qualifications & Fit

• 3+ years of automotive F&I experience, preferably 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.
• Bilingual proficiency strongly preferred: Spanish or Chinese (Mandarin or Cantonese), with Cantonese highly preferred.
• Strong understanding of automotive lending, credit applications, lender approvals, funding requirements, and backend products.
• Customer-first, consultative approach with an emphasis 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 effectively 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 and e-signature platforms.
• Strong working knowledge of DMV, titling, funding, and automotive compliance workflows.
• Comfortable working within CRM and digital retail platforms.

Benefits

• Competitive salary + commission
• Health, dental, and vision insurance
• PTO
• 401(k) plan

Why Ever and this role?

• Help shape a modern, transparent F&I experience across digital and in-person automotive retail.
• Work with a broad lender network and customers purchasing EVs nationwide.
• Partner cross-functionally with Sales, Delivery, Title, and Operations in a fast-growing environment.
• Play a direct role in customer experience, deal quality, funding efficiency, and business performance.

Ever is an equal opportunity employer. We encourage applicants from all backgrounds and experiences to apply.