Objective of Job


Ensure ongoing performance of Retail Credit Region Team within credit rules, corporate guidelines and legal requirements, develop proper credit standards, tools and processes for local markets, with an objective to effectively accomplish performance targets & credit results as well as provide excellent service towards dealers at all times. 


Task Description


1. Management (standard item for position with leading role)
The management, motivation and development of staff using HR tools, founded on our mission statement & corporate values, and provision of purposeful internal communications in order to achieve the agreed objectives.
Ensuring that the necessary training appropriate to the needs of individual employees and the tasks assigned to them is provided.
Informing subordinated employees about the relevant provisions and instructing them to comply with the provisions. Ensuring that they are implemented properly.


2. Daily business operations management
Managing of daily credit applications and operations of department including handling of new retail credit applications. Development and implementation of solutions to watch list and problem credits.


3. Credit approval management

Conduct credit approvals within assigned credit approval authority, and ensure that the applied scorecards, credit underwriting standards and credit process for retail business comply with defined policies, procedures and processes.
Performance targets
Ensuring that performance targets such as approval turn around time, approval ratios and non-performing ratios are accomplished.


4. Credit tools and processes development
Develop, update or suggest proper credit requirements, evaluation tools, resources, and processes according to each market situation


5. System and procedure
Monitor IT system performance, and make system update or enhancement requirements according to business needs.


6. Business Rollout
Managing roll out of retail business to new markets


7. Others
Support of Director Retail Credit in other tasks and projects