Objective of job
-Manage the assigned Dealer/Corporate accounts’ risk profile, identify potential risk factors, maintain sufficient documentation and risk mitigations.
-Communicate with Dealer/Corporate, sales colleagues and internal functional teams with the objective to deliver the highest possible level of service to customers.
-Coordinate and support problem credit management, collections and litigation when necessary.
-Drive/implement/support credit related projects or products.
Task description
1. Credit assessment
-Assessment of credit applications for responsible Dealer/Corporate borrowers following internal standards include but not limited to credit rules, guidelines, policies and procedures as well as regulatory requirements. Perform due-diligence for provided information.
-Preparation of credit write-ups and approval recommendations and presentation to designated credit comittees.
-Ensure that annual reviews and monthly review of all assigned dealer accounts are conducted in line with defined processes and timeline. Checking of all legal documentations for completeness and quality.
-Assure regulatory compliance in daily work and account management.
2. Account Monitoring and Risk Management
-Continuous monitoring and analysis of dassigned Dealers/Dealer groups risk profile, operational and financial situation, payment behaviour, and inventory audit results. Propose proper action or solutions accordingly taking into account all types of risk, and internal and market factors.
-Monitor assigned Dealers/Dealer groups and ensure risk and escalate for any irregularities.
3. Collections
-Coordinate dealer/fleet collections.
4. Policy/process improvement
-Ensure compliance with all Daimler policy and procedures (global and local).
-Propose proactively and help implement credit policy/standards/process improvement.
-Provide training, coaching and guidance to new team members.
5. Others
-Responsible for monthly reporting and data quality management.
-Lead/or participate in projects and other assignments from time to time.
-Support KPI achievement, CSI and DSI targets.
-Support team KPI achievement.