Charles Gruszczynski

Charles Gruszczynski is group vice president of portfolio management for Southeast Toyota Finance (SET Finance), the captive finance company for 177 Toyota dealers in Alabama, Florida, Georgia, North Carolina and South Carolina, and a subsidiary of JM Family Enterprises, Inc., a privately held company with $22.8 billion in revenue and more than 5,000 associates. Rooted in automotive and united in its strong culture and core values, JM Family is in the business of helping other businesses succeed.

In his role, Gruszczynski oversees the analytics, data, pricing, risk and credit administration functions. His leadership is instrumental in driving SPARK, SET Finance’s technology and process initiative which leverages advanced technology, associate development and data to enhance efficiency and deliver flexible solutions.

Gruszczynski joined JM Family in 2001 and has worked across various subsidiaries, including JM&A Group, Southeast Toyota Distributors, the Office of the CEO and, most recently, SET Finance. Since joining SET Finance in 2021, he has consistently demonstrated exceptional leadership, driving key initiatives and delivering impactful results.

Gruszczynski graduated from Ranken College with an associate degree in automotive technology. He and his wife live in Parkland, Florida, with their two children.

About Southeast Toyota Finance
Southeast Toyota Finance (part of World Omni Financial Corp.) is a captive financial services company driven to delivering an exceptional dealership and customer experience for Toyota customers in the Southeast. The company offers a broad range of products and services to the 177 Toyota dealers in Alabama, Florida, Georgia, North Carolina, and South Carolina. Southeast Toyota Finance is the leading provider of finance and lease options for new Toyota vehicles within its footprint, consistently ranking at the top in market share and dealer satisfaction. The company is committed to strong dealer relationships and customer service, providing finance, retail and lease programs, college graduate and military rebate programs that drive customer and dealer loyalty. The company’s portfolio of dealer loans includes inventory financing, real estate, and construction loans.

Southeast Toyota Finance is a subsidiary of JM Family Enterprises, Inc., a privately held company with $22.8 billion in revenue and more than 5,000 associates, which is headquartered in Deerfield Beach, Florida.

About JM Family Enterprises
JM Family Enterprises, Inc. was founded by automotive legend, Jim Moran in 1968. It is a privately held company with $22.8 billion in revenue and more than 5,000 associates. Rooted in automotive and united in its strong culture and core values, JM Family is in the business of helping other businesses succeed. As a long-term partner, it is invested in its companies, associates and its communities. Driven by exceptional performance, current subsidiaries are in the automotive, financial services, franchising and specialty distribution industries. Its family of companies includes: Southeast Toyota Distributors, JM&A Group, World Omni Financial Corp. (dba Southeast Toyota Finance), JM Lexus, Home Franchise Concepts^®, Futura Title & Escrow and Rollease Acmeda. Interact with JM Family on Facebook, Instagram and LinkedIn.