RAF CHOWDHURY
Automotive FInance Manager
United States
Summary
High-performing Automotive F&I Manager/Director with extensive experience across domestic & foreign brands, specializing in driving profitability in high-volume environments. Consistently manage 65 to 100 deals/month with rapid turnaround, maintaining a 1.85+ product index & maximizing backend penetration without sacrificing compliance. Proactive & highly efficient expert in menu selling execution, Docupad integration & complex deal structuring. Passionate about cross-functional collaboration, frequently training sales personnel on deal structuring and product awareness to build a cohesive, high-performing dealership culture. Skilled in building high-yield lender networks to optimize PVR & streamline deal velocity.
Overview
5
5
Certifications
8
8
years of professional experience
Work History
Finance Manager
North Star Chevrolet Inc
09.2023 - 04.2026
- Maintained product rate of over 1.85.
- Negotiated deal structures and secure approvals with prime & sub-prime lenders to optimize profit margins.
- Increased Finance profit for Company by establishing network of lenders that are suited to maximize profit.
- Increased average PVR from $1,150 to $1,750 across 150+ monthly turn units.
- Enforced strict compliance protocols (Red Flags, OFAC, Truth in Lending) to mitigate legal risk while driving product penetration.
- Made sure all documents followed compliance requirements.
- Drove industry-leading profit increase by transforming production process and aligning sales targets to meet dynamic industry conditions.
Automotive Finance Manager/Director
Ourisman Automotive Group
01.2020 - 08.2023
- Promoted to lead the F&I department after 1.5 years as Sales Manager, managing high deal volume, lender submissions & menu presentations while maintaining strict compliance.
- Structured aggressive, high-yielding deals via RouteOne/Dealertrack, optimizing PVR & driving backend product penetration across prime & sub-prime tiers.
- Managed contract-in-transit (CIT) processes & rebate verifications to ensure rapid funding cycles & zero administrative chargebacks.
Automotive Sales Manager
Ourisman Automotive Group
06.2018 - 12.2019
- Directed daily sales floor operations, desked deals, and managed customer turnovers (T.O.s) to maximize front-end gross profit and volume.
- Coached and held sales consultants accountable for daily CRM pipeline management, prospecting, and activity standards in VinSolutions/eLead/Focus.
- Served as the operational bridge between the sales floor and F&I box, establishing early product awareness to increase backend yield.
Automotive Sales Consultant
Pohanka Automotive Group
11.2017 - 05.2018
- Consistently maintained elite volume, personally selling 30+ units per month and repeatedly earning Sales Consultant of the Month.
- Managed high-volume daily CRM tasks, aggressively prospected outbound leads, and maintained top-tier CSI scores through exceptional client experience.
- Set the foundation for strong F&I turnover by expertly qualifying buyers, aligning inventory with customer budgets, and conducting early product awareness introductions.
Education
Bachelor of Science - Computer Science And Programming
New Jersey Institute of Technology
Newark, NJ12-2016
Skills
- High-Penetration F&I Strategy & Execution
- Excellent verbal and written communication skills
- Attention to Detail
- Ability to build strong cross- functional business relationship
- Ability to work with sales professionals and sales management and as part of a team
- Highly developed problem solving & critical decision-making skills
- Ability to multi-task, prioritize workload and manage time effectively
- Motivated, self-starter with exceptional organizational skills and pro-active approach to work
- Excellent presentation & negotiation skills
- Consistently encourage sales personnel to maintain professional appearance and attitude
- Proficient in DocuPad
- Proficient in CRM Systems (eg, VinSolutions, eLead, Focus)
Certification
JM&A F&I Manager Certification
Timeline
Finance Manager
North Star Chevrolet Inc
09.2023 - 04.2026
Automotive Finance Manager/Director
Ourisman Automotive Group
01.2020 - 08.2023
Automotive Sales Manager
Ourisman Automotive Group
06.2018 - 12.2019
Automotive Sales Consultant
Pohanka Automotive Group
11.2017 - 05.2018
Bachelor of Science - Computer Science And Programming
New Jersey Institute of Technology