







Credit
Warsaw
26.03.2025
Credit Management and Risk Relevant Collections Manager
Your Responsibilities:
Credit management of BMW Financial Services and Alphabet, i.e. for B2D (Business to Dealer, Commercial Finance) and risk-relevant B2B (Business to Business) / B2C (Business to Consumer):
- Planning and steering the credit business, providing qualified analysis and voting of credit exposures in Commercial Finance and risk-relevant retail/fleet finance.
- Analyzing all factors material for assessing credit risk, considering the debt-servicing capacity of the borrower.
- Managing the annual credit reviews (B2C, B2B, Commercial Finance) to ensure effective credit risk management, including CRS rating, guarantees, and collateral.
- Steering and coordinating the local credit committee to ensure the required compliant approval of credit reviews and exposures.
- Managing core credit processes for problem loan management for B2D (self-responsibly) and for B2C/B2B (as supported by Collections team), developing crisis prevention measures.
- Setting up loan loss provisions (as supported by accounting, controlling and risk teams).
- Ensuring compliance with relevant credit guidelines.
Commercial Finance Services:
- Setting up, monitoring, and administrating credit lines, performing daily factoring/loan processes.
- Administrating interest rates and performing collections processes, monitoring payment behavior, and informing Credit Management about potential early warning signals.
- Managing the stock audit process, including provider steering, and monitoring, ensuring quality, supporting tender processes, reviewing invoices, and escalating issues.
- Monitoring and fulfilling targets (e.g., Dealer Satisfaction Index, Stock Audits monitoring time, SOT's reaction and reporting time).
- Supporting dealers regarding all IT system-based questions (Dealer Front End System).
- Lead the Credit team (6 associates).
Our requirements:
- Min. 5 years credit management, commercial finance and relevant collections experience in the Financial Services / Banking sector, preferably in Credit Analysis / Underwriting, and at least 3 years leadership experience;
- Excellent communication and presentation skills (written and verbal) on multiple levels in the organization;
- Excellent knowledge of credit processes, including analysis of Financial Statements and Risk Principles;
- Networking and relationship skills;
- Change and project management skills;
- Knowledge of relevant local regulatory requirements;
- Negotiation Skills;
- Fluent in Polish and English (written and verbal);
What we offer:
- Contract of employment,
- Flexible working time,
- Remote work opportunities,
- Private medical care,
- Company car,
- Sharing the costs of sports activities.
Credit Management and Risk Relevant Collections Manager
20250326
Automotive
Warsaw
Poland
Legal Entity:
BMW Financial Services Polska Sp.Z.O.O.
Location:
Warsaw
Job Field:
Credit
Job Id:
155795
Publication Date:
26.03.2025
General
FullTime
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