Umer Naeem
Ontario,Canada
Summary
Results-driven Financial Services Manager with proven track record of generating top-tier F&I gross profits and consistently exceeding OEM and dealership performance benchmarks. Expert in structuring finance solutions, maximizing profitability, and delivering a transparent, customer-focused experience.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Financial Services Manager
Mississauga Honda
Mississauga, ON
07.2025 - Current
- Structure and secure financing and leasing solutions through OEM and third-party lenders, ensuring compliance with all regulatory and dealership standards while consistently exceeding finance penetration targets.
- Review, finalize, and execute all financial and legal documentation with complete accuracy to support timely funding and compliance audits.
- Promote and sell aftermarket protection products, consistently surpassing sales targets to maximize profitability and enhance customer value.
- Build strong relationships with lender partners to obtain competitive approvals across diverse credit profiles and exceed approval rate benchmarks.
- Manage deal jackets, funding packages, and compliance audits with precision, ensuring seamless deal flow and consistently meeting or exceeding funding performance targets.
- Deliver a professional, customer-focused finance experience that drives satisfaction, retention, and referral business while exceeding CSI objectives.
Senior Financial Services Manager
Signature Cars
10.2022 - 07.2025
- Company Overview: Arora Auto Group
- Develop and implement financial strategies to drive profitability and long-term growth.
- Work with customers to secure vehicle financing through banks, credit unions and captive lenders.
- Work closely with CEO and general manager to align financial goals with business objectives.
- Train and guide finance managers in approvals and assisting to maximize performance.
- Support finance managers in selling extended warranties, insurances and accessories to maximize dealership revenue.
- Maintain strong relationships with banks, lenders, and financial institutions to secure financing.
- Negotiate financing terms with lenders and ensure competitive financing options for customers.
- Arora Auto Group
Financial Service Manager
Airport Mazda of Toronto
05.2021 - 10.2022
- Company Overview: Arora Auto Group
- Work with customers to secure vehicle financing through banks, credit unions and captive lenders.
- Work with banks, lenders and financial institutions to secure vehicle financing for customers.
- Assist customers in understanding financing options, loan terms and lease agreements.
- Ensure proper documentation for auto loans and leases, complying with legal and regulatory requirements.
- Optimize interest rates, down payments and loan terms to maximize dealership revenue.
- Selling extended warranties, gap insurance and other financial add-ons to increase profits.
- Oversee loan and lease application processes ensuring accuracy and timely approval.
- Arora Auto Group
Sales and Finance Consultant
Signature Cars
06.2020 - 05.2021
- Company Overview: Arora Auto Group
- Greet and actively listen to customers to understand their needs and provide recommendations based on their automotive and financial requirements.
- Generate new business through effective sales techniques and relationship building with prospective and current customers.
- Demonstrate vehicle functionality and explained financing options and the costs associated with the purchase.
- Ensuring smooth delivery of the vehicle to customers, a pleasant experience for future referrals.
- Arora Auto Group
Manager Finance & Sales
Oranet Training and Solutions
01.2010 - 08.2020
- Create and track the overall financial budget, including forecasting, scheduling expenditures, and adding corrective measures as needed.
- Research and analyze consumer requirements and market competition to identify marketing and business growth opportunities and targeted market share.
- Increased revenue by 100%+ by creating new ways to reach potential clients, networking, and successful selling solutions.
- Budget, create and implement new specialized IT and media training through the recruiting and hiring of technical teachers with well-known reputations to teach the courses.
- Slash payroll/benefits administration costs 30% by negotiating pricing and fees, while ensuring continuation and enhancement of services.
Education
Bachelor of Business Economics and Finance - Banking And Finance
Nottingham Business School / Nottingham Trent University
06.2008
Skills
- Automotive financing & leasing structuring
- Credit analysis & risk assessment
- F&I product sales and finance penetration strategy
- Regulatory & compliance management
- Customer service excellence & CSI improvement
- Negotiation & deal structuring
- Sales team coaching and lender relationship management
Websites
Accomplishments
- Recognized as an award-winning Top-Performing FSM at Arora Auto Group, generating $2.5M+ in annual F&I gross profit and ranking in the top 5% regionally.
- Consistently exceed finance penetration targets by 20–25% year-over-year across all vehicle segments.
- Achieve 98%+ CSI scores, enhancing customer satisfaction, retention, and referral business.
Languages
English
Native or Bilingual
Urdu
Native or Bilingual
Punjabi
Native or Bilingual
Certification
OMVIC Licensed
Hobbies
Hobbies & Interests
- Golf and football
- Volunteering in finance literacy programs
- Automotive enthusiast clubs
- Strategic games highlighting analytical skills
Timeline
Financial Services Manager
Mississauga Honda
07.2025 - Current
Senior Financial Services Manager
Signature Cars
10.2022 - 07.2025
Financial Service Manager
Airport Mazda of Toronto
05.2021 - 10.2022
Sales and Finance Consultant
Signature Cars
06.2020 - 05.2021
Manager Finance & Sales
Oranet Training and Solutions
01.2010 - 08.2020
Bachelor of Business Economics and Finance - Banking And Finance
Nottingham Business School / Nottingham Trent University