Charles Gingell

Accomplished Automotive Finance Director with over 12 years of progressive leadership experience across luxury and high-volume retail automotive organizations. Proven ability to drive profitability, increase finance product penetration, optimize deal structure, strengthen lender relationships, and elevate customer satisfaction. Recognized for building high-performing teams, improving operational efficiency, and maintaining uncompromising compliance standards while delivering a premium client experience.

Award-winning leader with a demonstrated history of enhancing departmental performance, accelerating funding cycles, increasing gross profit, and developing finance professionals capable of sustaining top-tier results.

Finance

Director with a proven record of increasing dealership profitability, developing successful teams, strengthening lender partnerships, and delivering exceptional luxury customer experiences while maintaining the highest standards of compliance and operational excellence.

Finance Director - Honda Coconut Point

(2026-07)

Provide strategic leadership for all Finance & Insurance operations, overseeing profitability, compliance, funding performance, and customer satisfaction.

• Increased finance product penetration by 12% to 18% through implementation of advanced menu-selling techniques and performance coaching.
• Improved departmental PVR by $250 to $400 per retail unit within the first 60 days of leadership.
• Reduced CIT funding delays from more than five days to a consistent three-day cycle, significantly improving cash flow.
• Increased warranty and vehicle service contract attachment rates by 10% to 15%.
• Developed finance personnel who achieved 20% to 30% higher product closing ratios.
• Maintained 100% compliance with all lender, state, and federal regulatory requirements.

Finance Manager - Mercedes-Benz of Bethesda

(2025-01 - 2026-05)

Managed finance operations for a premier luxury automotive dealership while driving profitability and delivering a best-in-class ownership experience.

• Increased finance product penetration by 10% to 12%.
• Improved PVR performance by $200 to $300 per retail unit.
• Enhanced Finance CSI scores by 8 to 12 points through elevated customer communication and process improvements.
• Maintained 98% to 100% contract compliance and documentation accuracy.
• Reduced contract aging by 30% to 40% through disciplined funding management and lender coordination.

Finance Director / Finance Manager - AutoNation Toyota Leesburg

(2022-09 - 2025-01)

Directed Finance & Insurance operations while leading profitability initiatives, compliance programs, training efforts, and lender relationships.

• Increased finance product penetration by 48%.
• Improved PVR performance by $500 to $675 per retail unit.
• Reduced contract errors by 40% to 50%, resulting in faster funding and reduced compliance exposure.
• Improved sales and finance team profitability through coaching, accountability, and structured development.
• Reduced aging contracts by 35% while maintaining three-to-four-day funding performance.
• Recognized as a Top 10 PVR Producer among AutoNation Toyota operations.

Luxury Sales Consultant - Mercedes-Benz of Catonsville

(2021-08 - 2022-09)

Delivered an elevated luxury ownership experience while consistently exceeding sales and customer satisfaction objectives.

• Averaged 18 to 22 vehicle sales per month.
• Ranked among the dealership's highest CSI performers.
• Increased finance application conversion rates by 15% to 20%.
• Generated 25% to 35% of monthly sales through repeat business and customer referrals.
• Maintained exceptional compliance and delivery accuracy standards.

Sales Consultant - Joe Bowman Chevrolet Cadillac

(2016-08 - 2021-08)

Consistently ranked among the dealership's top sales performers while maintaining exceptional customer retention and satisfaction metrics.

• Averaged 27 to 30 vehicle sales per month.
• Maintained CSI scores 10 to 15 points above dealership averages.
• Generated 30% to 40% of business through referrals and repeat customers.
• Improved customer engagement through enhanced CRM follow-up strategies.
• Consistently exceeded monthly sales objectives by 10% to 25%.

Sales Consultant - CarMax

(2014-01 - 2016-07)

Established a strong foundation in automotive retail sales, customer relationship management, and consultative selling.

• Averaged 12 to 15 vehicle sales per month.
• Increased follow-up conversion performance by 20% to 25%.
• Generated repeat and referral business through exceptional customer service.
• Improved customer satisfaction through product knowledge and relationship-building.

Bachelor of Arts - Political Science - James Madison University