BHPH United - Buy Here Pay Here Dealer Education and Training for Subprime Auto Financing In House Financing Lease Here Pay Here Operations Compliance Leadership Marketing and Dealer Success Nationwide

Q: What is included in dealer risk management training?

The curriculum covers credit policy, underwriting, portfolio analytics, collections operations, repossession and reinstatement, regulatory compliance, audit readiness, vendor risk, and multi location governance with tools and templates for immediate use.

Q: Who should attend this training?

Owners, general managers, controllers, sales and F and I leaders, collections managers, compliance officers, and portfolio risk analysts across used car, buy here pay here, lease here pay here, and subprime retail operations benefit from attending.

Strengthen your dealership with dealer risk management training built for used car and buy here pay here operators. This page explores practical approaches to measuring, mitigating, and monitoring risk across credit policy, underwriting, collections, portfolio performance, regulatory compliance, and operational controls. Whether you manage one rooftop or multiple locations, you will find step by step frameworks, KPIs, and playbooks you can apply immediately to reduce losses and protect profit. Dive deeper into specialized paths such as used-car-dealer-risk-management-education, buy-here-pay-here-risk-management-training, and dealer-compliance-best-practices to tailor learning for your market. This resource centers on real world execution, including policy templates, exception management, scorecard build out, repossession and reinstatement rules, payment performance improvement, and audit readiness. Use the guidance below to align your team, close process gaps, and create a durable, defensible operation.

Our dealer risk management training blends classroom clarity with field tested execution. You will learn how to calibrate approval tiers, set collections ladders, and forecast losses with accuracy while staying aligned with federal and state rules. Explore complementary resources like education-and-events, dealer-workshops-and-training, buy-here-pay-here-operations-training, used-car-dealer-operations-training, and connect with our team at contact-us for additional guidance.

What Dealer Risk Management Training Covers

Effective risk management is a dealership wide discipline. It touches how you source vehicles, price them, market to customers, approve credit, structure deals, collect payments, manage delinquencies and losses, and document every step for compliance. The training outlined here walks through each lifecycle stage with practical models, example policies, and metrics you can implement quickly. Whether your portfolio is retail installment or buy here pay here, the goal is the same: lower net loss, faster cash velocity, consistent decisions, and a clean audit trail.

1. Credit Policy and Underwriting

Your credit policy is the control center for risk. It defines the customer profile you serve, the proof requirements you accept, the structure of advances and down payments, and the exceptions you will allow. Training focuses on building a tiered policy with objective scorecards and verifications that reduce early payment default.

Tiering framework with separate rules for first time buyers, prior auto, and high risk segments
Income stability tests, employer tenure requirements, and ability to pay evaluations
Verification matrices for residence, references, insurance, and stipulations handling
Advance caps tied to Black Book or market guides plus reconditioning and add ons controls

For deeper dives on underwriting and credit policy development, review buy-here-pay-here-underwriting-education and subprime-underwriting-training.

2. Portfolio Analytics and Loss Forecasting

Consistent measurement is essential. Training includes portfolio dashboards and early warning signals so you can act before losses spike.

Cohort tracking by origination month and tier to isolate pattern shifts
Delinquency roll rates, roll back actions, and promise to pay performance analytics
Vintage loss curves, recovery rate assumptions, and allowance for credit loss planning

Expand your portfolio toolkit with buy-here-pay-here-portfolio-management-education and dealer-portfolio-management-education.

3. Collections Strategy and Payment Performance

Collections excellence is a daily discipline. The training aligns phone strategies, text and email workflows, field work rules, extensions, and payment plans with your policy so outcomes are uniform and documented.

Call cadence by risk band, skip tracing escalation, and door knock protocols
Payment convenience strategies, recurring setup, and card or ACH exception handling
Extension and deferment rules to avoid negative amortization and roll forward drift

Build your team with buy-here-pay-here-collections-training, buy-here-pay-here-collections-best-practices, and subprime-collections-strategy-education.

4. Repossession, Reinstatement, and Loss Mitigation

When default occurs, speed and documentation determine loss severity. The program covers vendor selection, lawful repossession, personal property handling, right to cure rules, reinstatement terms, and sale processes.

Smooth handoffs to agencies with clear service level agreements and compliance checks
Reinstatement decision trees and payment to reinstate standardization
Deficiency balance management, hardship review, and recovery optimization

5. Regulatory Compliance and Audit Readiness

Regulatory risk can be existential. Training addresses federal requirements such as ECOA, FCRA, FDCPA, GLBA safeguards, UDAAP risk, and state level retail installment or lease disclosures. You will implement control testing, complaint tracking, and documentation to pass audits and protect your brand.

Written policies and procedures mapped to regulations with ownership and review cadence
Deal jacket and electronic file standards, adverse action workflows, and record retention
Monitoring plans, internal audit sampling, and third party vendor oversight

Explore used-car-dealer-regulatory-compliance-training, buy-here-pay-here-legal-compliance-education, federal-compliance-training-for-dealers, and state-compliance-education-for-dealers.

6. Inventory, Pricing, and Collateral Risk

The vehicle you put on the road sets the risk curve. We cover acquisition sourcing, recon standards, warranty strategy, and pricing logic that keeps advances in line with recovery value and customer ability to pay.

Stock mix targets, mileage bands, and turn goals to control capital at risk
Book to market alignment and feature driven pricing to balance gross and affordability
Collateral protection options, insurance verification, and tracking technology governance

7. Operations Controls and Team Training

Consistent execution requires role clarity, checklists, and coaching. Learn how to embed risk controls in sales, finance, collections, service, and accounting so each department protects the portfolio.

Segregation of duties and approval thresholds for discounts, advances, and extensions
Scorecard coaching, call monitoring, and performance dashboards by individual and team
Incident response and corrective action planning with root cause analysis

Bolster leadership and bench strength with used-car-dealer-leadership-training and dealer-professional-development-training.

8. Technology, Data Security, and Vendor Risk

Software and service vendors extend your risk footprint. Training includes due diligence checklists, data minimization, encryption basics, user access controls, and ongoing monitoring. You will also map data flows for applications, eSign, payment processing, and telematics to ensure lawful use and secure handling.

User provisioning, two factor authentication, and periodic access review cadence
Vendor contracts, breach notification terms, and performance scorecards
Payment tokenization and chargeback controls for card and ACH channels

See used-car-dealer-technology-integration-training and buy-here-pay-here-payment-processing-training.

9. Multi Location Governance and Growth Risk

As you expand, risk multiplies. The training provides a governance blueprint that scales across rooftops with central policy ownership, localized procedures, and shared reporting. Learn how to roll out new locations with pre launch risk checks and post launch monitoring.

Standard operating procedures library with version control and training documentation
Pacing dashboards for staffing, originations, delinquencies, and cash collections
Independent quality reviews, shadow audits, and corrective action governance

For expansion planning, explore buy-here-pay-here-multi-location-operations-training and dealer-growth-strategy-training.

10. Culture, Coaching, and Continuous Improvement

Sustainable risk management is cultural. It grows in daily huddles, scorecard reviews, and a shared language of risk. The training includes manager toolkits for coaching conversations, goal setting, and recognition so your standards stick when the showroom is busy.

How to Use This Training

Start with a self assessment of your policies and outcomes. Choose the modules that map to your largest gaps first. Assign owners, set measurable targets, and meet weekly to track progress. When a control fails, ask why, not who, and update the process so the failure cannot recur. Use related content across our site for deeper dives and peer learning.

Related Education and Resources

Dealer Risk Management Training FAQs

Our curriculum covers credit policy, underwriting, portfolio analytics, collections operations, repossession and reinstatement, regulatory compliance, audit readiness, vendor risk, and multi location governance with tools and templates for immediate use.

Ideal participants include owners, general managers, controllers, sales and F and I leaders, collections managers, compliance officers, and portfolio risk analysts across used car, buy here pay here, lease here pay here, and subprime retail operations.

Many dealers implement call cadence updates, verification matrices, approval tiers, and exception documentation within two to four weeks. Portfolio dashboards and loss forecasting models typically roll out within one to two months depending on data access.

Yes. The program maps policies and procedures to federal rules including ECOA, FCRA, FDCPA, GLBA safeguards, and UDAAP, and provides guidance for state specific retail installment or lease disclosures, recordkeeping, and audit preparedness.

Participants receive policy templates, underwriting scorecards, collections ladders, exception logs, vendor due diligence checklists, audit sampling plans, dashboard definitions, and meeting cadences that embed risk management into daily routines.