Senior Specialist Credit Management

2023-01-10 | po-021282

One of the largest German automotive financiers providing leasing, finance, and insurance products for the needs of vehicle and motorcycle owners

Support for the management, early warning, control and steering of the CF credit portfolios plus
High value retail lending customers through the implementation of BMW Japan Finance Credit Risk
Guidelines, the local lending strategy and by ensuring the quality of lending decisions.
Conduct annual reviews for BMW Group / Alphera dealers by analyzing dealer’s financials &
Operational performance and assessing security positions and present CRS rating and credit limit
Proposals to the Local Credit Committee / Regional Credit Committee for approvals.
Analyze retail customer financials and make a second vote for high-risk exposure of retail customers escalated from acceptance team.

Bachelor’s degree in business and/or Commerce with a major in accounting and/or Finance
Working experience in finance industry (captive, bank, etc.) with exposure to analytical function
Experience in managing problem loans and tight liquidity situations is preferable
Understanding of automotive market and retail / commercial finance products
Collateral knowledge
Already holding or equivalent knowledge to be qualified to the national license of money lending officer
Ability to influence colleagues at a senior level both within and outside of the BMW Group and to be able to present arguments concisely
Experience of taking a consultancy/business partnership approach
Ability to analyze, interpret and present financial information such as balance sheet, profit & loss statement, cash flow forecast, budgets, management accounts etc.
Ability to interpret legal documentation
Strong team ethic
Desire to employ a transformational leadership approach
Can work under pressure
Business level English (Speaking/Reading/Writing)
Ability to think and act positively and take initiative and challenges in VUCA world.
Strong communication skills in presentations and negotiations.
Understanding of accurate data and facts, logical thinking, and strong analytical and insight skills.
MS Excel, PowerPoint, Word