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.