Objective of Job
Acting as the credit expert to deliver the highest possible level of service to dealers including Credit analysis and approval of retail credit applications; Handling critical communication and dispute resolutions; Coashing and sharing experiences within team; Detecting fraud case and sharing experiences; Monitoring and reviewing KPI on daily work basis; Maintaining and optimizing retail credit policy and process; Supporting supervisor to assure the team behaves in line with the MBFS’ core value and compliance requirements.
Task desciption
1. Credit Evaluations and Decisions
- Carry out credit application assessments, acquiring good quality deals; with observance to credit rules, policies & lending standards.
- Monitor feedback from F&Is, ensure timely decisions & communications to customers & dealers.
- Balancing LTV, approval ratio, TAT and quality mix during the credit decision process.
- KPI/Performance management and Communication

2.Monitor and review KPI on daily work basis.
- Proactive monitoring of virtual team target; ie, CSI/DSI, penetration, TAT & quality mix via active communications with F&Is and DSMs.
- Work together with DSMs, to provide excellent services and professional communications to customers and dealers; including retail credit investigation talks, product introduction, reply to requests and decision making, etc.
- Policies and Process enhancement & System optimization
3.Maintain and optimize retail credit analysis tools, templates, document list, policies, process according to regional business and risk management needs.
- Work with IT colleagues to improve, enhance and monitor CAP system functions and performance. Propose improvement on credit process and systems.
4.Others
- Handling critical communication and dispute resolutions;
- Coashing and sharing experiences within team;
- Detecting fraud case and sharing experiences;
- Supporting supervisor to assure the team behaves in line with the MBFS’ core value and compliance requirements.