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. Collaborate with other team, to manage retail credit related projects and initiatives which help realize enhancement of efficiency and effectiveness of retail credit process. Arrange and coordinate internal communications to make sure the open and in time information exchange. Actively participate in various department projects and future readiness initiatives and drive stakeholders for progress.
Task description
1. Credit Evaluations and Decisions
• Processing of retail credit applications check through system work queues within timeline requirement and accuracy.
• Approval of incoming retail credit applications within defined retail credit standards ensuring the credit quality & approval ratios.
• Carry out credit application assessments according to defined processes & timeline requirements. Carry out credit application assessments, acquiring good quality deals; with observance to credit rules, policies & lending standards.
• Balancing LTV, approval ratio, TAT and quality mix during the credit decision process.
2. Services, Communications & Performance Management
• Provide excellent services and professional communications to customers and dealers and field staffs in respect of Sales, system, Retail Credit, New Business, by handling of all incoming calls or face to face contacts.
• Communicate with internal departments, i.e.DSMs, FCs on applications, cooperations
• Ensuring that performance targets such as phone answering time, dealer/customer satisfaction requirements are accomplished.
3. Policies, Process enhancement & Projects Implementation
• Maintain and optimize retail credit analysis tools, templates, document list, policies, process according to regional business and risk management needs.
• Derive for departmental process improvements, involved in various business discussion to provide professional inputs and suggestions from retail credit perspective
• Drive for Retail Credit future readiness initiatives & projects by collaboration with other departments
• Collabarate with IT to improve, enhance and monitor business system functions and performance, and implement necessary changes triggered by inititaitves and projects.
• System issue management:
- System issue analysis and priority define, closely work with IT for issue fixing.
- Responsible for issue testing and testing coordination.
- Communicate with IT and vendor for issue fixing plan and system workaround, then deliver related information to end user.
• Change Request management：
- Discuss and analyze the department’s system optimization requirement；
- Draft BRD and organize discussion with IT team.
- Follow up the quotation, FS clarification and delivery plan.
- Prepare test case and test plan, and test coordination.
- Prepare training materials of system upgrade for system user.
• Consultation
Understand and respond to inquiries from other business units regarding CAP system requirements, organize internal discussion if necessary.
4.Others
• Conduct other tasks as required by your supervisor to support achievement of the company and team’s business objectives
• Provide the extension service for special requirement from dealer and customer