P

PCMI

Cloud-based SaaS for F&I administration

Business Domain Expert - Dealer Participation

Full-TimeUpdated on 10/21/2026
$125k - $140k
Expert
Bachelor's
Remote in USA
HybridRemote hiring is limited to the listed states. Chicagoland-based employees must work in the Park Ridge office two days per week.
Business & StrategyBusiness Analysis

About the job

Requirements
  • A bachelor's degree in Business Administration or a related field, or equivalent work experience.
  • At least 12 years of progressive experience in automotive finance and insurance (F&I), vehicle service contract administration, dealer participation, or insurance/reinsurance operations, including at least 6 years focused specifically on dealer participation programs.
  • Expert-level command of reinsurance structures used in dealer participation, including CFC, NCFC, 831(b), retrospective commission, and DOWC, and the tax, accounting, and regulatory considerations that distinguish them.
  • Hands-on experience with participation accounting mechanics, including cession calculations, ceding commissions, unearned premium and loss reserves, earnings curves, claims funding, investment income, dealer position reporting, and distributions.
  • Working knowledge of F&I administration systems and their end-to-end lifecycle, including product setup and rating, contract sale and remittance, cancellation and chargeback, claims adjudication, reinsurance processing, and reporting.
  • A proven track record of translating complex domain knowledge into requirements, business rules, and test scenarios that technology teams can act on.
  • Analytical and reconciliation skills, including the ability to work directly with data to validate calculations and investigate variances.
  • Experience at a third-party administrator, F&I product provider, agency, carrier, or reinsurance manager supporting dealer participation programs.
  • Prior experience in a SaaS or product organization, working alongside product management and agile engineering teams.
  • Working proficiency with SQL or comparable data query tools for independent analysis and validation.
Responsibilities
  • Serve as the primary internal authority on dealer participation program structures.
  • Explain and defend the economics of each structure—including ceding commissions, premium cessions, unearned premium and loss reserves, earnings recognition curves, claims funding, investment income allocation, distributions, loan-backs, and dealer position—to audiences ranging from engineers to executives to clients.
  • Maintain deep working knowledge of how participation programs interact with upstream and downstream processes.
  • Act as the escalation point for complex or novel program structures encountered in sales cycles, client onboarding, or production support.
  • Partner with Product Management to translate business needs into clear, testable requirements.
  • Review user stories, acceptance criteria, functional specifications, and configuration designs for domain accuracy and completeness; identify gaps, incorrect assumptions, and downstream impacts before they reach development.
  • Provide worked examples, calculation walkthroughs, reference scenarios, and test data that development and quality assurance teams can build and validate against.
  • Contribute domain input to build, configure, or buy discussions, technical trade-offs, and sequencing conversations by framing business consequences and risks for accountable owners.
  • Monitor and interpret the regulatory, tax, and accounting environment affecting dealer participation, including IRC §831(b) and §953(d), IRS scrutiny of micro-captive arrangements and related case law, state insurance department requirements, service contract and DOWC statutes, reserve and licensing requirements, and NAIC developments.
  • Translate regulatory developments into concrete platform implications, including what must change, for whom, by when, and the risk of not changing it.
  • Partner with Legal, Compliance, and external advisors—including carriers, program administrators, tax counsel, and auditors—to validate interpretations and escalate ambiguity rather than resolving it unilaterally.
  • Advise on audit, examination, and reporting requirements that the administration system must satisfy.
Desired Qualifications
  • Familiarity with reinsurance management platforms, participation reporting tools, and statement production processes.
  • Experience supporting system implementations, conversions, or migrations involving participation data.
  • Exposure to Bermuda, Turks & Caicos, Nevis, or other offshore captive domiciles and their administrative requirements.

About the company

P

PCMI

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Website

PCMI provides a cloud-based SaaS platform to administer aftermarket F&I products such as vehicle service contracts, extended warranties, and GAP. Its PCRS system is a modular suite with components for real-time rating and contracting, policy administration, claims processing, risk management, reinsurance, and automated data pipelines, all accessible via APIs. The platform is designed to work for TPAs, OEMs, insurers, agents, and dealers, and is built to integrate with dealer menus and partner systems in real time. The company differentiates itself with an end-to-end, modular architecture and by growing through acquisitions (notably StoneEagle Enterprise Solutions) to broaden expertise and provide global support, aiming to speed product launches, customization, and seamless partner integration across the F&I ecosystem.

Company Size

201-500

Company Stage

N/A

Total Funding

N/A

Headquarters

Park Ridge, Illinois

Founded

2012

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Simplify Jobs

Simplify's Take

What believers are saying

  • Thoma Bravo's March 2025 investment funds expansion and acquisition-led consolidation.
  • August 2026 hires of Mandeville and Hern accelerate partnerships and customer retention.
  • Claims Intelligence and September 2026 PresentNow expansion deepen product attach across specialty segments.

What critics are saying

  • StoneEagle integration after November 2025 acquisition disrupts product roadmaps and customer migrations.
  • PCMI depends on F&I and warranty ecosystems where RouteOne and Dealertrack already dominate relationships.
  • AI claims automation and global compliance expose PCMI to regulatory scrutiny and defect liability.

What makes PCMI unique

  • PCRS processed 171 million contracts and 51 million claims worldwide by 2026.
  • PCMI bundles policy, claims, risk, reinsurance, data pipelines, and AI in one platform.
  • PresentNow targets non-VIN RV, powersports, and personal watercraft with purpose-built rating.

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Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Health Savings Account/Flexible Spending Account
  • Short & Long Term Disability Insurance
  • Company-paid Life Insurance
  • Voluntary Life Insurance
  • Voluntary Accident Insurance
  • Employee Assistance Program
  • 401(k) Company Match
  • Commuter Benefits
  • Paid Vacation

Growth & Insights and Company News

Headcount

6 month growth

16%

1 year growth

17%

2 year growth

17%
PR Newswire
Aug 25th, 2026
PCMI hires Alexander Mandeville as VP of strategic partnerships

PCMI, a provider of cloud-based administration software for F&I products, has appointed Alexander Mandeville as vice president of strategic partnerships. The automotive retail technology veteran will focus on accelerating partner ecosystem growth and creating new opportunities for customers and partners. The Park Ridge, Illinois-based company announced the appointment on 25 August.

PCMI
Aug 25th, 2026
PCMI welcomes Alexander Mandeville as Vice President of Strategic Partnerships.

PCMI welcomes Alexander Mandeville as Vice President of Strategic Partnerships. Veteran automotive retail technology leader joins PCMI to accelerate partner ecosystem growth and create new opportunities for customers and partners. PCMI, a leading provider of cloud-based administration software for F&I products and service contract programs, today announced that Alexander Mandeville has joined the company as Vice President of Strategic Partnerships. Mandeville will lead the continued development of PCMI's partner ecosystem, strengthening relationships across technology and integration partners to extend the value and reach of PCMI's platform. Mandeville brings 17 years of automotive retail technology experience from RouteOne, where he held roles of increasing responsibility and helped bring the company's Credit Application, eContracting, Menu and API-integrated solutions to market. Throughout his tenure, he worked closely with OEMs, lenders, dealers and technology providers to develop partnerships, launch integrated solutions and help shape more connected automotive retail experiences. As PCMI continues to scale its platform and integration network, strategic partnerships are playing a growing role in connecting customers with the technology, services and expertise they need to operate and grow. Mandeville will help advance that strategy by identifying new opportunities for collaboration across the F&I and service contract ecosystem. "Partnerships are an important part of PCMI's growth strategy and the value we deliver to our customers. Alex brings deep automotive retail technology experience and a proven ability to build partnerships that create value. He's the right leader to help take our partner strategy to the next level." - Imran Mussani, SVP of Partnership & Integration Strategy at PCMI "PCMI has built an impressive technology platform and a strong position in the market, with tremendous opportunity to build on that foundation through partnerships," said Alexander Mandeville, Vice President of Strategic Partnerships at PCMI. "I'm excited to strengthen our partner community, create new opportunities for collaboration and turn those relationships into measurable business results." About PCMI. PCMI is a leading provider of cloud-based administration software for F&I products and service contract programs. Its PCRS platform brings together policy and claims administration, risk management, reporting, integrations, and AI-powered capabilities in one scalable platform. PCRS has processed more than 171 million contracts and 51 million claims and supports more than 125 customers and 440,000 users worldwide. PCMI combines deep F&I expertise with modern technology to help organizations operate more efficiently, adapt faster, and scale for what's next.

PCMI
Aug 11th, 2026
PCMI welcomes Elizabeth Hern as Vice President of Customer Success.

PCMI welcomes Elizabeth Hern as Vice President of Customer Success. Veteran customer success leader joins PCMI as the company scales customer success alongside a growing customer base and expanding AI capabilities. PCMI, the leading provider of cloud-based administration software for F&I products and service contract programs, announced that Elizabeth Hern has joined the company as Vice President of Customer Success. Hern will lead PCMI's Customer Success organization, overseeing onboarding, adoption, retention, advocacy, and customer success initiatives designed to help customers maximize the value of the PCMI platform, including its expanding AI capabilities. Hern brings more than two decades of experience helping organizations strengthen customer relationships and drive technology adoption. Most recently, she led Customer Success at Impel, and previously held leadership roles at Dealer Inspire, Dealer.com, and American Express. "As AI reshapes how F&I and service contract administrators manage claims and customer relationships, our customers need a partner who can help them adopt these tools with confidence. Elizabeth's experience scaling customer success at high-growth companies is exactly what we need as we continue investing in AI and expanding what our platform can do for customers." - Branson Smith, Chief Revenue Officer at PCMI "Customer Success is so much more than helping customers use our products. It's about being consultative, and helping our clients to continuously realize value as their business evolves," said Elizabeth Hern, Vice President of Customer Success at PCMI. "PCMI has built an incredible platform, and I'm excited to help customers take advantage of everything it offers, including new AI capabilities, while building lasting partnerships that help them achieve their business goals." Hern will work closely with customers to bring all the capabilities of PCMI to strengthen the customer experience and build scalable programs for long-term customer success as PCMI continues to grow. About PCMI. PCMI is the leading provider of cloud-based administration software for F&I products and service contract programs. Its PCRS platform uses agentic AI, drawing on more than 171 million contracts and 51 million claims, to automate routine claims, deliver natural-language self-service, and help teams scale operations without scaling headcount. More than 125 customers and 440,000 users worldwide rely on PCRS, backed by the deepest F&I-specific data set in the industry.

PR Newswire
Mar 30th, 2026
PCMI appoints Nick Scissons as General Counsel to lead global legal strategy.

PCMI appoints Nick Scissons as General Counsel to lead global legal strategy. Mar 30, 2026, 09:00 ET Experienced legal leader joins to support scalable growth and enterprise operations PARK RIDGE, Ill., March 30, 2026 /PRNewswire-PRWeb/ - PCMI, the leading provider of cloud-based administration software for F&I products and service contract programs, announced that Nick Scissons has joined the company as General Counsel. In this role, Nick will lead PCMI's global legal function and serve as a key advisor to the executive team, Board of Directors, and investors, overseeing legal strategy, governance, and risk management as the company continues to scale across complex automotive and warranty ecosystems. His leadership will strengthen PCMI's legal foundation to support disciplined, long-term growth. "Nick brings deep experience building legal functions in technology companies and a strong understanding of the complexity of our industry, which will be critical as we continue to scale," said Clyde Owen, Chief Executive Officer at PCMI. Nick joins PCMI from Trader Corporation, where he served as General Counsel, leading legal strategy across a portfolio that included Autotrader.ca, Dealertrack Canada, and Autosync. He built and scaled the legal function to support a high-growth, private equity environment, aligning governance, contracting, and compliance with evolving business needs. "In highly regulated markets, legal plays a critical role in enabling disciplined growth," said Nick Scissons, General Counsel at PCMI. "As F&I and service contract programs continue to expand across the industry, this is an opportunity to strengthen legal capabilities that support scale, manage regulatory complexity, and meet the evolving expectations of customers and partners." About PCMI Founded in 2012, PCMI is a global SaaS company delivering cloud-based administration software for the automotive Finance & Insurance (F&I) industry. Its PCRS platform unifies contract and claims administration into a single, modern system, supporting more than 125 customers, 440,000 users, and over 135 million contracts processed worldwide. With 275+ team members, PCMI enables administrators, dealers, OEMs, and lenders to operate more efficiently and scale with confidence. Media Contact Laura Scahill, PCMI, 1 (847) 653-6916, [email protected], https://www.pcmicorp.com/ SOURCE PCMI

PCMI
Oct 20th, 2025
PCMI Introduces PresentNow: The First Lite Menu Purpose-Built for Non-VIN Sales

PCMI introduces PresentNow: the first lite menu purpose-built for non-vin sales. Rating and contracting for RV and powersports available today, with Personal Watercraft and a full presentation experience coming in early 2026. PCMI, the leading provider of administration software for the F&I product industry, announced the launch of PresentNow, the first lite menu purpose-built for non-VIN vehicle segments including RV, Powersports, and Personal Watercraft. Available today for rating and contracting, PresentNow gives dealers and TPAs a faster, more accurate way to sell protection products across specialty markets while solving the data and rating challenges that have long limited growth. The upcoming 2026 presentation release will extend those capabilities with a modern, digital selling experience designed for non-VIN vehicles. "Dealers have long been forced to rely on menus designed only for auto VIN sales. PresentNow changes that. It's the first menu built specifically for non-VIN markets, unlocking new revenue opportunities across RV, powersports, and Personal Watercraft." - Mark Nagelvoort, CEO at PCMI Solving the non-vin challenge. Without a standard VIN dataset, specialty dealers have long struggled with inaccurate or missing rates, manual workarounds, and lost margin. PresentNow solves these issues with pre-loaded Year/Make/Model datasets and configurable rating fields for every major specialty segment. The result: accurate quotes, faster deals, and higher attach rates, at a fraction of the cost of traditional menus. "Unlike legacy menus patched for non-VIN, PresentNow was designed from the ground up for specialty vehicles," said David Cartagena, Chief Product Officer at PCMI. "It delivers the precision and flexibility dealers need to grow these markets profitably." Purpose-Built, dealer-friendly, and future-ready. PresentNow is the only solution that unifies VIN and non-VIN sales in one system, giving dealers complete control over pricing, defaults, and product packaging by vehicle type while improving consistency across every sale. * 100% accurate non-VIN data for RV, powersports, personal watercraft, and more to come * Flexible, clean, and configurable rating without ghost VINs or manual entry * Faster, easier contracting through PCRS * A lightweight, lower-cost alternative to traditional full menus "This launch is just the beginning," said Morgan Williams, Product Owner, Dealer Services at PCMI. "Rating and contracting are live today, and next year's presentation experience will give dealers a modern, digital way to present and sell non-VIN products with confidence." As Powersports, RV, and Personal Watercraft markets continue rapid growth across North America, dealers and TPAs need technology that matches their speed and complexity. PresentNow meets that need, delivering accuracy, automation, and control to help capture margin in these high-growth markets. About PCMI. Founded in 2012, PCMI is a global leader in cloud-based administration software for the automotive and consumer product markets. Its innovative technology empowers third-party administrators, dealers, OEMs, and lenders to streamline every step of the extended warranty, service contract, and cancellation lifecycle management. With 200+ employees across North America, Europe, and Asia, PCMI is trusted by leading F&I providers to help reduce costs, improve efficiency, and stay ahead in a rapidly evolving market.