Automotive Business Manager – Finance & Insurance (F&I) - BYD Fairfield

About Harmony Auto

Harmony Auto is an international dealership group specialising in premium and luxury automotive retail.

Since establishing a global strategic partnership with BYD in 2023, Harmony Auto has continued to expand its dealership network and operations across international markets. With the continued growth of BYD and DENZA in Victoria, we are seeking an experienced Automotive Business Manager to join our growing dealership network.

About the Role

We are looking for an experienced, results-driven Automotive Business Manager with a strong background in Finance & Insurance (F&I).

Working closely with the Sales Manager and dealership leadership team, you will be responsible for maximising finance and insurance penetration, supporting deal conversion, increasing dealership profitability, and delivering a professional and compliant customer experience.

This role is ideal for an experienced automotive Business Manager who understands dealership sales operations, has strong relationships with lenders and finance providers, and is motivated by achieving commercial targets.

Key Responsibilities

Finance & Insurance (F&I)

• Present and arrange suitable finance and insurance solutions for customers purchasing new and used vehicles.

• Manage the end-to-end F&I process, from customer introduction and finance application through to approval, documentation, and settlement.

• Maximise finance, insurance, warranty, and other value-added product penetration.

• Maintain strong relationships with lenders, insurers, and other finance partners.

• Ensure all finance applications and supporting documentation are accurate and processed efficiently.

Sales & Deal Conversion

• Work closely with Sales Managers and Sales Consultants to maximise vehicle sales conversion and dealership profitability.

• Support the structuring of competitive and commercially viable vehicle deals.

• Identify opportunities to improve finance penetration, insurance penetration, and revenue per vehicle.

• Assist the sales team in progressing and closing customer deals where required.

• Monitor outstanding finance applications and settlements to minimise delays in vehicle delivery.

Customer Experience

• Deliver a professional, transparent, and customer-focused F&I experience.

• Clearly explain finance, insurance, and protection products to customers.

• Understand individual customer needs and provide suitable finance solutions.

• Maintain high standards of customer service throughout the vehicle purchase and settlement process.

Compliance & Risk Management

• Ensure all F&I activities comply with relevant Australian legislation, regulatory requirements, lender policies, and company procedures.

• Maintain accurate customer records and finance documentation.

• Ensure appropriate processes are followed regarding responsible lending, privacy, AML/CTF, and other applicable compliance requirements.

• Support internal reviews, audits, and continuous improvement of dealership F&I processes.

Performance & Reporting

• Achieve agreed finance penetration, insurance penetration, product attachment, and profitability targets.

• Monitor and report on F&I performance, conversion rates, settlements, and revenue outcomes.

• Analyse performance results and identify opportunities for business improvement.

• Work with dealership management to improve overall commercial performance.

About You

Essential Requirements

• Previous experience as a Business Manager, Finance & Insurance Manager, or F&I Manager within an automotive dealership is essential.

• Strong knowledge of automotive finance, insurance products, and dealership sales processes.

• Demonstrated ability to achieve finance and insurance penetration targets.

• Strong commercial acumen and results-driven mindset.

• Excellent sales, negotiation, and customer relationship skills.

• High level of attention to detail and documentation accuracy.

• Strong understanding of relevant Australian financial services and compliance requirements.

• Ability to work effectively in a fast-paced, target-driven dealership environment.

Highly Regarded

• Previous experience with BYD, DENZA, premium, luxury, or other high-volume automotive brands.

• Established experience working with automotive lenders and finance providers.

• Experience working within a multi-site or dealer group environment.

• Relevant qualifications in finance, business, or financial services.

What We Offer

• Competitive base salary plus an attractive commission and performance bonus structure.

• Opportunity to join a fast-growing international automotive dealership group.

• Exposure to leading EV and premium automotive brands

• Supportive management team and collaborative working environment.

• Strong career development and progression opportunities as the dealership network continues to expand.