99 Pricewaterhousecoopers jobs in Canada
Financial Services Manager
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OFFER.JSON_DESC
Expected salary range
up to $135,000
Workplace : Sainte-Agathe-des-Monts, QC
Tasks
- Business development
- Customer follow-up
- Deal with the financing and leasing of vehicles according to the standards of financial institutions
- Delivery of documentation and signatures
- Effectively complete sales and rental forms
- Ensure that financing and insurance fees are collected
- Obtain and verify credit applications.
- Payment manipulation during transactions
- Revise the sales contracts
- Take down payments and issue receipts.
- Telephone / email solicitation
REQUIREMENTS
Experience
- offer.experience_required
offer.json_desc_2
Financial Services Manager
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Job Description
Forbes GM is currently seeking a Financial Services Manager to join our leadership team of customer focused professionals within our high volume and process-driven dealership.
Purpose/Summary of Position:
This role is responsible for providing a consistently exceptional customer experience, following established processes and procedures for their role and achieving targeted goals and objectives. This role is responsible for ongoing collaboration with fellow team members; driving sales and improving efficiencies whenever possible.
The Financial Services Manager acts as liaison between financial institutions and our customers and ensures that all required documentation needed for ownership and warranty is completed correctly. They also generate profit by selling warranties, insurances and various products.
Required Qualifications:
Our ideal candidates understand that customers have a choice in where they purchase and service their vehicles, and therefore demonstrate a commitment delivering unparalleled service to show our customers real value for their hard-earned money.
Our leaders are excellent communicators who love working directly with both customers & co-workers and who are businesspeople and people-people. Our leaders understand that the best team will provide the best customer service and as such, make attracting and retaining talent a top priority because it is critical to our success. Fostering a team of happy, empowered and engaged individuals is a key priority of this leadership role.
Candidates must possess:
- Unrestricted OMVIC license & dealership approval
- Valid driver’s license
- Minimum High School Diploma
- Post-Secondary Education Preferred
- Minimum 2 years of experience in sales departments or related work environments – previous FSM experience preferred
Why We’re Awesome:
- Commitment to an exceptional employee experience
- Full benefit programs & competitive compensation plans
- Employee and Family Assistance Program
- Collaborative work environment & group support
Qualified applicants are invited to apply with resume and cover letter.
Forbes GM is an equal opportunity employer which values diversity in the workplace. If you require accommodation in order to participate in the hiring process, please contact us at ( or to make your needs known in advance.
Financial Services Officer
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Job Description
Salary: $51,900 - $1,100
Financial Services Officer
Branch Location: Tyne Valley, PEI
Build meaningful relationships and help Islanders achieve their financial goals at Provincial Credit Union one of Atlantic Canadas leading credit unions and proud recipient of Canadas Top 100 Employers award for 2025!
At Provincial Credit Union, we do more than banking we empower our members to thrive. Guided by our values ofPeople, Purpose, and Possibility, our team provides trusted financial advice, education, and planning that make a real difference in our communities.
As aFinancial Services Officer, youll play a key role in helping members navigate lifes big financial decisions. From lending solutions to savings and retirement planning, youll be a trusted partner in their financial journey.
In this role, youll:
- Provide one-on-one financial education and advice to members on day to day banking, loans, investments, and deposit products.
- Meet with members (in person or digitally) to understand their needs, gather financial data, and guide them toward the best solutions.
- Assess applications by analyzing creditworthiness, determining loan feasibility, setting credit limits, and approving or declining loans within your lending authority.
- Ensure all loan agreements are complete, accurate, and compliant with policies and guidelines.
- Promote and recommend deposit products such as term deposits, RRSPs, RESPs, RRIFs, and LIFs, or refer to our Financial Planning partners when appropriate.
What You Bring
- Education: Post-secondary education in Business, Finance, or a related field (or equivalent experience).
- Experience: Previous experience in lending, financial services, or a member-focused advisory role.
- Skills & Abilities: Strong analytical skills, attention to detail, and the ability to build trust and lasting relationships with members.
Why Youll Love It Here
We believe our employees deserve the same outstanding care we give our members. Thats why we offer:
- A People-First Culture: Join a supportive team that values collaboration, positivity, and community impact.
- Competitive Pay & Bonus Program: Market-aligned salary plus the opportunity for annual bonuses.
- Comprehensive Benefits: Health and dental coverage, sick time, and a Defined Contribution Pension Plan & Group Retirement Savings Plan with up to 9% employer contribution.
- Work-Life Balance: Three weeks vacation to start, plus four personal days and two volunteer days each year.
- Career Growth: Tuition reimbursement, training opportunities, and career progression pathways.
- Extra Perks: Annual fitness and clothing allowance, reduced employee loan and mortgage rates, and no service fees on banking transactions.
- Salary Range: 51,900 - 61,100.
Additional Information
- Bondability Requirement: Candidates must be bondable under a fidelity bond policy (includes a criminal and credit check).
- Closing Date: October 17th, 2025.
Diversity & Inclusion
At Provincial Credit Union, were committed to creating an inclusive and equitable workplace. We welcome applications from all qualified individuals, and accommodations are available throughout the recruitment process.
Financial Services Manager
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Job Description
Salary:
We are thrilled to be building one of Canadas largest state-of-the-art Kia dealerships, featuring the countrys first EV Canopy with 12 charging stationsa landmark development located in the new Niagara Auto Mall. And, we're looking to grow our management team. If you consider yourself a highly motivated individual who is looking to grow alongside us, please apply!
Location: 2959 Highway 35, Lindsay, ON (Lindsay Kia)
Availability:Open Availability - Monday to Saturday
Compensation: TBD
When you join Northern Roads, youll enjoy:
- Trusted relationships Were a work family and youll become a part of the team.
- Many employee engagement activities We want you to want to come into work every day.
- Employee Health and Wellness Initiatives We truly care about your well-being.
- Career path planning and training We want you to succeed and grow alongside us.
- There are plenty of other perks and incentives, youll have to join us to find out more!
We are looking to add a strong Financial Services Manager to our team with at least 2 years of experience.
Youll love your position as a Financial Services Manager:
- Offer vehicle financing and insurance to customers
- Provide customers with athorough explanation of aftermarket products and extended warranties
- Provide customers with a complete explanation of manufacturer and dealership service procedures and policies
- Process cash, financing and leasing deals accurately
- Secure approvalsthrough financial sources as approved by management
- Track and report financial services performance metrics
- Exceed customer's expectations with regards to customer service and follow up
- Train and support sales employees with the accuracy of their PBS and other paperwork requirements
- Foster a professional work environment and attend regular meetings
- Promote effective communication amongst dealership personnel
- Ensure compliance with Kia policies and procedures, OMVIC, MVDA, CPA and Bank requirements
- Effectively resolve outstanding customer complaints
- Other duties as assigned
Wed love to hear from you, if:
- Valid G Driver's License and a clean driver's abstract
- OMVIC certification
- Strong knowledge of automotive sales and financing aspects
- Self-motivated, energetic and able to thrive in a fast-paced work environment
- Strong communication skills
- Technically savvy
More About Us:
At Northern Roads Auto Group, weve proudly operated successful, family-owned automotive businesses for over 40 years in the heart of the Niagara Region. Were passionate about growth, innovation, and delivering exceptional customer experiences.
As one of the first Kia dealers in Canada and a multiKia Presidents Award-winning group, we continue to expand our footprint with the addition of Lindsay Kia (2023), Belleville Chrysler Dodge Jeep RAM FIAT (2024), and most recently, Bills Toyota (2025).
Our success is built on integrity, innovation, and communitya commitment that drives everything we do.
At Northern Roads Auto Group Inc., accommodations are available during all stages of the recruitment process in accordance with the Human Rights Code. We are committed to complying with the Accessibility for Ontarians with Disabilities Act (AODA) to provide an inclusive, barrier free workplace and support accommodating the accessibility needs of individuals with disabilities so that individuals can participate in all aspects of our recruitment process. Should you require this accommodation, please
We would like to thank all candidates in advance for their interest only. Please note, due to the volume of applicants we receive, only those candidates selected for an interview will be contacted.
Financial Services Manager
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Job Description
About Clutch:
We're on a mission to reinvent the way people buy, sell, and own cars. Are you game?
Clutch is Canada's largest online used car retailer, delivering a seamless, hassle-free car buying and selling experience to drivers everywhere. Customers can browse hundreds of cars from the comfort of their homes, get the right one delivered to their door, and enjoy peace of mind with our 10-Day Money-Back Guarantee… and that's just the beginning.
Named two years in a row to the Globe & Mail's list of the Top Growing Companies in Canada and also awarded spots on Deloitte's Technology Fast 50™ and Fast 500™ lists, we're looking to add curious, hard-working, and driven individuals to our growing team.
Headquartered in Toronto, Clutch was founded in 2017 and currently services Ontario, New Brunswick, Nova Scotia, and Prince Edward Island. Clutch is backed by a number of world-class investors, including D1 Capital, Canaan, Real Ventures, BrandProject, and Upper90. To learn more, visit clutch.ca.
About the role:
Clutch is in search of a Financial Services Manager to champion the online used car buying process.
This is a fantastic opportunity to join a rapidly growing team and create a huge impact, as we expand in new cities across Canada!
Take part in disrupting the age-old mundane process of buying a car & redefine what it means to sell used vehicles.
What you'll do:
- Kick off the purchasing process once customers have placed a deposit on our website and be their guide through the transaction - set expectations for the next steps and ensure customer satisfaction
- Update all relevant information and details in our CRM, verify and generate documents
- Submit credit applications through systems like RouteOne, Dealertrack to structure deals for our customers that are looking to finance
- Communicate lender decisions to customers in an accurate and timely manner
- Build the business by upselling ancillary products that Clutch offers including but not limited to: extended warranties, GAP, undercoating etc
- Effectively handle customer objections
All about you:
- Minimum 2-3 year sales experience
- Experience in lending or banking is preferred
- You should be comfortable in a fast-paced environment and able to juggle a large number of customers at a time
- Stoked about disrupting and redefining an age-old industry and a drive to win
- Self-starter attitude
- Attention to detail and high level of organization
- Exceptional communication and negotiation skills
- Must be comfortable to work 100% on-site at our Mississauga facility
- Must be willing to work on weekends and evening shift
Why you'll love it at Clutch:
- Autonomy & ownership -- create your own path, and own your work
- Competitive compensation -- This role offers a base compensation + sales incentive plan!
- Health & dental benefits
Clutch is committed to fostering an inclusive workplace where all individuals have an opportunity to succeed. If you require accommodation at any stage of the interview process, please email .
Financial Services Manager
Posted today
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Job Description
Barrie Ford is currently seeking a Financial Services Manager to join our leadership team of customer focused professionals within our high volume and process-driven dealership.
Purpose/Summary of Position:
This role is responsible for providing a consistently exceptional customer experience, following established processes and procedures for their role and achieving targeted goals and objectives. This role is responsible for ongoing collaboration with fellow team members; driving sales and improving efficiencies whenever possible.
The Financial Services Manager acts as liaison between financial institutions and our customers and ensures that all required documentation needed for ownership and warranty is completed correctly. They also generate profit by selling warranties, insurances and various products.
Required Qualifications:
Our ideal candidates understand that customers have a choice in where they purchase and service their vehicles, and therefore demonstrate a commitment delivering unparalleled service to show our customers real value for their hard-earned money.
Our leaders are excellent communicators who love working directly with both customers & co-workers and who are businesspeople and people-people. Our leaders understand that the best team will provide the best customer service and as such, make attracting and retaining talent a top priority because it is critical to our success. Fostering a team of happy, empowered and engaged individuals is a key priority of this leadership role.
Candidates must possess:
- Unrestricted OMVIC license & dealership approval
- Valid driver’s license
- Minimum High School Diploma
- Post-Secondary Education Preferred
- Minimum 2 years of experience in sales departments or related work environments – previous FSM experience preferred
Why We’re Awesome:
- Commitment to an exceptional employee experience
- Full benefit programs & competitive compensation plans
- Employee and Family Assistance Program
- Collaborative work environment & group support
Qualified applicants are invited to apply with resume and cover letter.
Barrie Ford is an equal opportunity employer which values diversity in the workplace. If you require accommodation in order to participate in the hiring process, please contact us at or to make your needs known in advance.
Financial Services Manager
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Job Description
Are you ready to take the first step towards an exciting finance career in a company committed to your success? Marino’s Automotive Group is looking for a Financial Services Manager at Marino's Fine Cars SUBARU in Etobicoke!
The Financial Services Manager will be responsible for helping customers secure financing options, such as auto loans or leases, and explaining the terms and conditions of the financial agreements. Additionally, you may offer extended warranty plans, insurance products, and other financial services to enhance the overall buying experience. If you have strong interpersonal skills, in-depth knowledge of financing options, and the ability to ensure a seamless and satisfactory transaction for customers then this is the role for you!
Job Duties:
- Responsible for selling financing, mechanical repair service contracts, GAP insurance, credit insurance and other Aftermarket products to clients.
- Utilization of dealership management systems and procedures to deliver exceptional customer service.
- Maintain a current knowledge of manufacturer products, rebates, financing, leasing and incentive programs.
- Read, understand and adhere to all rules, regulations and procedures as required by the employer.
- Work in strict compliance with the laws of Ontario and Canada.
- Ensure all work performed is thorough, accurate and completed on time.
- Preparation of all documentation, contracts, registration, submission, funding, commissioning, etc. related to all transactions and sales/leases of vehicles.
- Maintain all reports and records as required by the manufacturer, dealership and suppliers.
- Attend sponsored training as scheduled.
- Ensure quotes for products and services are competitive.
- Establish and maintain strong and professional relationships with all financial institutions, manufacturer finance centres and third-party vendors.
- Keep customers and staff updated on the progress of a vehicle delivery.
- Consistently meet and exceed customer expectations.
- Handle and resolve customer complaints in a courteous and professional manner, insuring a positive outcome and maintaining a high level of customer satisfaction.
Successful Candidates Possess:
- Valid OMVIC certification an asset.
- Possess a valid driver’s license and a clean driving record.
- Professional demeanour and appearance.
- Ability to work in a team and possesses strong interpersonal skills with an upbeat and engaging attitude.
- Excellent listening skills.
- Self-motiving with excellent work ethic
- Ability to problem solve and high attention to detail.
- Loves a fast pace environment.
- Computer skills and understanding of technology.
- Experience with Dealership Management Systems considered an asset.
Why Work for Marino’s Automotive Group:
- A competitive benefits and compensation plan.
- A leadership team that believes personal growth, mentorship, ongoing training and support.
- As a family owned and operated organization servicing the GTA for 50 years, we have a family-like culture, where camaraderie and a sense of belonging make our workplace feel like a second home.
- A culture of inclusivity where every individual's unique perspective is valued and respected.
- We embrace a customer-centric culture, where every decision and action is guided by our commitment to providing exceptional service.
Marino’s Auto Group is committed to providing equal employment opportunities to all individuals, regardless of their race, color, religion, sex, gender identity, sexual orientation, national origin, disability, age, or any other characteristic protected by applicable law. We value diversity and believe that a diverse workforce enhances our ability to innovate, serve our customers, and create a more inclusive and dynamic workplace.
We strive to create a work environment that promotes fairness, equity, and respect for all employees and applicants. Our commitment to equal opportunity employment is reflected in every aspect of our employment practices, including recruitment, hiring, training, promotion, compensation, benefits, and disciplinary actions.
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Financial Services Manager
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Job Description
Are you ready to take the first step towards an exciting finance career in a company committed to your success? Marino’s Automotive Group is looking for a Financial Services Manager in Etobicoke!
The Financial Services Manager will be responsible for helping customers secure financing options, such as auto loans or leases, and explaining the terms and conditions of the financial agreements. Additionally, you may offer extended warranty plans, insurance products, and other financial services to enhance the overall buying experience. If you have strong interpersonal skills, in-depth knowledge of financing options, and the ability to ensure a seamless and satisfactory transaction for customers then this is the role for you!
Job Duties:
- Responsible for selling financing, mechanical repair service contracts, GAP insurance, credit insurance and other Aftermarket products to clients.
- Utilization of dealership management systems and procedures to deliver exceptional customer service.
- Maintain a current knowledge of manufacturer products, rebates, financing, leasing and incentive programs.
- Read, understand and adhere to all rules, regulations and procedures as required by the employer.
- Work in strict compliance with the laws of Ontario and Canada.
- Ensure all work performed is thorough, accurate and completed on time.
- Preparation of all documentation, contracts, registration, submission, funding, commissioning, etc. related to all transactions and sales/leases of vehicles.
- Maintain all reports and records as required by the manufacturer, dealership and suppliers.
- Attend sponsored training as scheduled.
- Ensure quotes for products and services are competitive.
- Establish and maintain strong and professional relationships with all financial institutions, manufacturer finance centres and third-party vendors.
- Keep customers and staff updated on the progress of a vehicle delivery.
- Consistently meet and exceed customer expectations.
- Handle and resolve customer complaints in a courteous and professional manner, insuring a positive outcome and maintaining a high level of customer satisfaction.
Successful Candidates Possess:
- Valid OMVIC certification an asset.
- Possess a valid driver’s license and a clean driving record.
- Professional demeanour and appearance.
- Ability to work in a team and possesses strong interpersonal skills with an upbeat and engaging attitude.
- Excellent listening skills.
- Self-motiving with excellent work ethic
- Ability to problem solve and high attention to detail.
- Loves a fast pace environment.
- Computer skills and understanding of technology.
- Experience with Dealership Management Systems considered an asset.
Why Work for Marino’s Automotive Group:
- A competitive benefits and compensation plan.
- A leadership team that believes personal growth, mentorship, ongoing training and support.
- As a family owned and operated organization servicing the GTA for 50 years, we have a family-like culture, where camaraderie and a sense of belonging make our workplace feel like a second home.
- A culture of inclusivity where every individual's unique perspective is valued and respected.
- We embrace a customer-centric culture, where every decision and action is guided by our commitment to providing exceptional service.
Marino’s Auto Group is committed to providing equal employment opportunities to all individuals, regardless of their race, color, religion, sex, gender identity, sexual orientation, national origin, disability, age, or any other characteristic protected by applicable law. We value diversity and believe that a diverse workforce enhances our ability to innovate, serve our customers, and create a more inclusive and dynamic workplace.
We strive to create a work environment that promotes fairness, equity, and respect for all employees and applicants. Our commitment to equal opportunity employment is reflected in every aspect of our employment practices, including recruitment, hiring, training, promotion, compensation, benefits, and disciplinary actions.
Financial Services Manager
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Job Description
It's All Good at Applewood!
The Applewood Auto Group is looking to add a Finance Manager to our team.
This is a Fully Commission Independent Contractor Position.
Roles & Responsibilities:
- You'll report to the Finance Director and GM and will work with a team of Sales Consultants to ensure our customers' financing are taken care of.
- Selling finance and insurance products: The Finance Manager’s primary role is to sell finance and insurance products to customers purchasing vehicles from the dealership. This may include extended warranties, loan protection plans, and other products.
- Managing dealership finance relationships: The Finance Manager’s is responsible for managing relationships with lenders who provide financing to the dealership. This may involve negotiating terms and rates, processing loan applications, and ensuring compliance with lending regulations.
- Process paperwork and contracts: The Finance Manager’s will need to process paperwork and contracts related to vehicle sales, including financing agreements and insurance policies. This will involve working with salespeople and administrative staff to ensure that all required documents are completed accurately and in a timely manner within all portfolios or logs required.
- Customer Service: The Finance Manager’s will need to provide best-in-class customer service to customers who have purchased vehicles or financing products from the dealership. This will involve responding to questions and concerns, addressing complaints, and ensuring that customers feel valued.
- Ensuring compliance: The Finance Manager’s will ensure the dealership complies with all relevant laws, regulations, and processes.
- As a Fully Commission Independent Contractor, you have unlimited earning potential!
Measurables:
- Finance Department Gross Profit: This measures the profitability of the finance department by comparing the cost of financing to the revenue generated from financing activities.
- Finance Penetration Rate: This measures the percentage of customers who finance their vehicle purchases through the dealership's finance department, indicating how successful the department is in upselling financing options.
- Loan Approval Rate: This measures the percentage of loan applications that are approved, indicating the effectiveness of the finance department in securing financing for customers.
- Average Finance Time: This measures the amount of time it takes to complete the financing process for a customer, indicating the efficiency and effectiveness of the finance department in providing financing options.
- Product Sales Per Finance Contract: This measures the average number of additional products or services sold with each finance contract, indicating the effectiveness of the finance department in generating additional revenue.
Commission Payment:
As an Independent Contractor, you will be paid a variable commission payment plan. Provided you hit your targets, our Finance Managers can make anywhere between $80,000 to $200,000 annually.
As an Independent Contractor, you are responsible for setting up your own Sole Proprietorship and registering to have a GST number. After which you are responsible for paying your yearly taxes as a Sole Proprietorship (or Corporation, if you so choose). It is generally advisable that you connect with a Tax professional to receive advice on how to handle this from the beginning of your contract with Applewood.
What we need from you:
You should have working knowledge of how the car industry works and would have worked as a Financial Services Advisor or Sales Consultant at another dealership. That way, you can provide sound advice and recommendations to your team. You know your way around prime and subprime options and are great at coaching people.
We are looking for someone who is enthusiastic, fast, efficient, knowledgeable, and ready to join an amazing team!
Why should you work for Applewood?
- Excellent compensation package, You are your own business!
- We stand out from the rest because we are TRULY PASSIONATE about cars!
- 10 dealerships and counting to work alongside and grow with
- Group events, Applewood Family Day, Xmas party, BBQs, and more
- We support local communities, sports teams, and charities.
Our Core Values
Best-in-Class Experience: We are committed to delivering a Best-in-Class experience to every team member and client that walks through our doors.
Find a Way to Say Yes: We take full ownership, embracing the responsibility to “Make Things Better."
Team Beats with One Heart: We are a close-knit group of professionals working towards the same goal of driving excellence in everything we do.
Benefits:
- Company events
- Store discount
Supplemental pay types:
- Commission pay
Ability to commute/relocate:
- Langley, BC: reliably commute or plan to relocate before starting work (required)
Experience:
- automotive finance: 2 years (required)
License/Certification:
- VSA License (preferred)
Financial Services Manager
Posted today
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Job Description
Drive Autogroup
We have a vision of providing unforgettable guest experiences and our guest experience is driven by a dedicated team of employees whose job satisfaction is of equal importance to us.
We believe that every employee plays a pivotal role in our success, and we are dedicated to making each opportunity with us just as rewarding. At Drive Autogroup you will experience the innovative, creative, and collaborative approach behind all our brands.
Career OpportunityBrimell Toyota, a member of Drive Autogroup is seeking to hire a Full-Time Financial Services Manager. The Financial Services Manager is a key member of the sales team in providing high quality service to every valued customer. The Financial Services Manager is extremely skilled in providing our guests financing solutions and insurance products that fit their needs and lifestyles. You will be responsible for providing solutions in financing, mechanical repair service contracts, GAP insurance, credit insurance and other aftermarket products to clients.
Responsibilities
- Establish and maintain strong relations with our customers as well as lenders.
- Maintain accurate monthly, quarterly, and year-end reports.
- Identify the customer’s need for financing/leasing and explore different payment options.
- Present finance options, warranties, insurance, parts and accessories and protection packages offered by the dealership.
- Secure and finalize transactions in a legal and ethical manner while maintain a high level of productivity.
- Accurately prepare all loan documentation, warranty information etc. and dealer paperwork related to the transaction.
- Stay up to date on product changes and new products.
- Understand and comply with National, Provincial, and local regulations that affect the Financial Services and the administration of the various products and services
- Deliver memorable guest experience during your interactions with our guests.
- Establish professional relationships with customers to encourage repeat and referral business.
- Handle customer complaints tactfully, promptly, and with concern for the customer.
Qualifications
- Experience in the automotive industry and holds a valid driver’s and OMVIC license.
- Strong facilitation skills and the ability to work with customers to understand their needs.
- Model of confidence in their approach with customers and ability to negotiate win-win.
- Demonstrate Honest, Reliable, and Ethical business practices.
- Results-oriented with perseverance to bring projects to completion.
- Has an eye for details to go the extra mile to exceed customer expectations.
- Takes self-initiative to execute tasks but is also motivated in a team environment to achieve common goals.
What We Offer
- Competitive compensation plans
- Collaborative team dynamic and Family-like atmosphere
- Supportive work environment
- Health and wellness initiatives
- Community involvement activities
- Exciting company events
- Employee purchase plans and company discounts
Your professional journey is more than a series of job titles and responsibilities and we encourage your application even if you don’t meet all the qualifications. If you’re looking to further your career with a growing organization where you can use your knowledge, skills, and talents, then we are looking forward to hearing from you.
Drive Autogroup is an equal opportunity employer committed to fostering an inclusive, equitable, and accessible workplace where every team member feels valued, respected, and supported. Should you require accommodation or support throughout the recruitment process, we will work with you to meet your needs.