Specialist: Commercial Finance Services

Functional Level V

Specialist: Commercial Finance Services – SF3-ZA-F-3

The Specialist: Commercial Finance Services plays a pivotal role in shaping and enabling commercial funding solutions across the BMW and ALPHERA dealer network. Combining commercial insight, stakeholder engagement and disciplined risk management, the role takes ownership of dealer facility limits, supports evolving funding requirements and translates credit decisions into effective business outcomes. Working closely with dealers and internal stakeholders, the Specialist also drives stronger controls, smarter processes, digitalisation and continuous improvement across wholesale finance and commercial lending activities.

What awaits you?

• Take ownership of dealer-network facility limits and related commercial finance parameters, ensuring facilities remain aligned to approved credit decisions, dealer performance and changing business requirements.
• Build trusted relationships across the BMW and ALPHERA dealer network, proactively engaging dealers to understand funding requirements, anticipate pressure points and coordinate appropriate solutions with Credit, Sales, Risk, Treasury, Finance and other internal stakeholders.
• Provide commercial insight on facility utilisation, liquidity needs, emerging risks and growth opportunities, helping stakeholders make timely, well-informed funding decisions.
• Strengthen the Commercial Finance Services control environment by designing practical controls, identifying emerging risks and partnering with stakeholders to embed sustainable solutions.
• Safeguard high-value wholesale funding flows by reviewing and authorising pay-outs and payments to internal and external business partners.
• Investigate and resolve suspense and bank-reconciliation items in partnership with relevant stakeholders, addressing root causes and improving financial accuracy.
• Protect BMW Financial Services’ credit position by monitoring dealer collateral and using insights from physical and digital floorplan audits to identify risk and initiate timely action.
• Translate Local Credit Committee decisions into accurate, timely facility actions and clear stakeholder communication within the Commercial Finance System.
• Turn portfolio reporting, delinquency trends, sales-out-of-trust indicators, compliance outcomes and debtor-book movements into actionable insights and focused interventions.
• Enable a high-performing Commercial Finance Services team through knowledge sharing, coaching, workflow coordination and effective operational cover.
• Lead process optimisation, automation and system-enhancement initiatives that simplify the dealer and stakeholder experience, improve controls and unlock operational capacity.
• Lead the end-to-end management of suppliers and contractors supporting physical floorplan audits, Munich-based digital stock audits and payment-release administration, ensuring each service supports operational priorities, control requirements and the dealer experience.
• Set service expectations and manage supplier performance through governance forums, service-level measures, quality reviews and constructive challenge; escalate material delivery, control or compliance concerns and drive corrective action to resolution.
• Own the commercial and operational relationship with service partners, partnering with Purchasing and internal stakeholders on tenders, contracts, capacity, cost, invoice governance and continuous-improvement opportunities to secure sustainable value and resilient service delivery.

What should you bring along?

• A bachelor’s degree in accounting, Finance, Business Management, Business Science, or an equivalent qualification.
• Minimum of 3 years’ experience in a related role within the financial services industry, including customer handling, process optimisation, and internal controls.
• Knowledge of BMW internal finance or credit procedures and functions would be advantageous.
• Strong analytical ability, attention to detail, results orientation, and process orientation.
• Confident communication, negotiation and relationship-building skills, with the ability to engage dealer principals and influence cross-functional stakeholders.
• Commercial judgement and financial acumen, including the ability to interpret facility utilisation, funding needs, portfolio trends and credit-risk indicators.
• Proven supplier, contractor or outsourced-service management capability, including performance governance, service-level oversight, commercial challenge, risk escalation and stakeholder coordination across local and international partners.
• Knowledge of automotive distribution, wholesale operations, and Financial Services, preferably within the automotive industry.
• A strong digital and improvement mindset, with the initiative to challenge complexity, mobilise change and translate ideas into practical automation and process solutions.

Note: Please apply exclusively online via our career portal. Applications via other channels, especially e-mail, cannot be considered.

BMW Group SA is committed to creating and maintaining a diverse, inclusive, and equitable working environment, in line with the Employment Equity Act and our internal Employment Equity Plan. We encourage applications from all suitably qualified individuals, including those from designated groups as defined in the Employment Equity Act.

Closing date: 08 September 2026.