Get to know the Role:
The function is responsible to the overdue number, control process of deduction, managing repossession, warning letter, handling driver overdue, driver blacklisted and coordinating the drivers coordinator. The Function is to do analysis of credit approval for Gold driver acquisition. Responsible for credit approval quality with optimization of service level standard. Also to give input to Branch Manager about the mechanism of credit approval.
The day-to-day activities:
- Handling daily deduction
- Handling driver overdue and blacklisted
- Car repossession from driver that overdue more than 3 weeks and blacklisted
- Control Blacklisted Number
- Check the existence of unit, maintaining through GPS
- Handling GPS Vendor
- Make deduction and economic number every week
- To review and analize the credit approval proposal, based on prudentiality and effectiveness
- To coordinate field surveyor and make sure the prudentiality of credit approval
- To do the field survey by him/herself if needed
- To give recommendation of approval to Credit Comitee
- To maintain the quality of credit approval
- Ensure that the credit approval process is going effective and efficient
- Ensure that all credit approvals meet overall policy guidelines
- To give input on tools/ systems to facilitate monitoring of the credit approval
- Ensure that expected loss of credit portfolio are in line with the Gold Program’s directions.
- Coordinate with all teams regarding the overall credit approval process
The must haves:
- 5+ years related working experience in Finance company specially in collection area
- Experience in the managing people
- Ability to work in a fast‐paced, dynamic environment and deal effectively with conflicting priorities and change
- Strong customer focus & attention to detail
- Experience in work across functionally with related functions.
- Strong quantitative abilities and intuition, exceptional analytical skills
- BA required, MBA or MS Degree or equivalent experience desired
- Excellent Negotiation and communication skill
- Excellent Microsoft excel skill
- Experience in the collection and repossession related
- Strong customer focus & attention to detail
- Strong quantitative abilities and intuition, exceptional analytical skills
- Excellent Credit Analysis skill
