Credit Management and Risk Relevant Collections Manager

4 tygodni temu

Warszawa, Mazovia, Polska Bayerische Motoren Werke Aktiengesellschaft Pełny etat

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Credit Management and Risk Relevant Collections Manager

Your Responsibilities:

Credit management of BMW Financial Services and Alphabet, i.e. for B2D (Business to Dealer, Commercial Finance) and risk-relevant B2B (Business to Business) / B2C (Business to Consumer):

  • Planning and steering the credit business, providing qualified analysis and voting of credit exposures in Commercial Finance and risk-relevant retail/fleet finance.
  • Analyzing all factors material for assessing credit risk, considering the debt-servicing capacity of the borrower.
  • Managing the annual credit reviews (B2C, B2B, Commercial Finance) to ensure effective credit risk management, including CRS rating, guarantees, and collateral.
  • Steering and coordinating the local credit committee to ensure the required compliant approval of credit reviews and exposures.
  • Managing core credit processes for problem loan management for B2D (self-responsibly) and for B2C/B2B (as supported by Collections team), developing crisis prevention measures.
  • Setting up loan loss provisions (as supported by accounting, controlling and risk teams).
  • Ensuring compliance with relevant credit guidelines.

Commercial Finance Services:

  • Setting up, monitoring, and administrating credit lines, performing daily factoring/loan processes.
  • Administrating interest rates and performing collections processes, monitoring payment behavior, and informing Credit Management about potential early warning signals.
  • Managing the stock audit process, including provider steering, and monitoring, ensuring quality, supporting tender processes, reviewing invoices, and escalating issues.
  • Monitoring and fulfilling targets (e.g., Dealer Satisfaction Index, Stock Audits monitoring time, SOT's reaction and reporting time).
  • Supporting dealers regarding all IT system-based questions (Dealer Front End System).
  • Lead the Credit team (6 associates).

Our requirements:

  • Min. 5 years credit management, commercial finance and relevant collections experience in the Financial Services / Banking sector, preferably in Credit Analysis / Underwriting, and at least 3 years leadership experience;
  • Excellent communication and presentation skills (written and verbal) on multiple levels in the organization;
  • Excellent knowledge of credit processes, including analysis of Financial Statements and Risk Principles;
  • Networking and relationship skills;
  • Change and project management skills;
  • Knowledge of relevant local regulatory requirements;
  • Negotiation Skills;
  • Fluent in Polish and English (written and verbal);
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