PURPOSE OF THE JOB
The Credit Manager Wholesale is responsible for managing the Wholesale portfolio directly from the UK for UK, Ireland, Netherlands & Belgium.
The role manages the Wholesale Portfolio across the four markets in a manner that ensures that VFS has minimum risk to its activity.
To apply all relevant company policies and ensure that goals and KPI’s are achieved and monitored. He / she is responsible for complying with defined service level standards.
They will present credit underwriting to relevant Credit Committees and work closely with the Credit manager - Retail
Responsible for accurate and efficient preparation of documentation for the credit application flow to ensure accurate and timely processing of applications
Monitor and ensure correct execution of Credit policies.
Monitor KPI’s and ensure delivery to agreed targets.
Proactively assess areas of risk control and implement actions to mitigate
Provide portfolio and trend analysis with appropriate recommendations based on gathered statistical and management information on the overall portfolio.
Develop and maintain strong internal and external customer relationships.
Monitor responsibilities of direct report and lead them in the achievement of objectives for their area of responsibility
Organize Best Practices sharing and implementation within Wholesale Credit and Apply polices of EMEA Credit
Develop a result-oriented working environment.
Provides support as required in all areas of the credit department
Provides support to the other areas of the business as required
Communicate with and visit Dealer groups and negotiate directly regarding credit deals within defined guidelines
Drive Quality and Process improvement to ensure the department is as efficient as possible and meets customer / Dealer expectations.
Co-ordinates with other Credit Managers to ensures goals and priorities are aligned
Manage the Audit process with external supplier and dealer network
Competencies and Skills
Proven problem solving, analytical and quantitative skills
Very good knowledge of Financial Services
Good knowledge of credit assessment and risk management
Proven organizational skills with the ability to prioritize work effectively on multiple tasks
Proficient with MS Office, with advanced knowledge in Excel and PowerPoint
Presentation skills with experience in various business settings
Excellent verbal and written communication skills
Excellence in reading, writing and speaking home market language and English. Additional language skills are beneficial but not essential.
Thorough with a high level of accuracy
Education and Professional Experience
Experience in Financial services
Experience of Credit underwriting
Degree level or equivalent is required
The Volvo Group is one of the world’s leading manufacturers of trucks, buses, construction equipment and marine and industrial engines under the leading brands Volvo, Renault Trucks, Mack, UD Trucks, Eicher, SDLG, Terex Trucks, Prevost, Nova Bus, UD Bus, Sunwin Bus and Volvo Penta.
With Volvo Financial Services you will be part of a global and diverse team of highly skilled professionals to provide expert financial services and solutions to customers and dealers in support of the Volvo Group’s sales.
We work with passion, we trust each other and we embrace change to stay ahead. We make our customers win.