Wholesale Credit Manager - São Paulo, Brasil - GM Financial

Descrição

Why GMF?

GM Financial International Operations conducts business in Latin America and China. International Operations offers a wide range of wholesale and retail automotive financing products to dealers and their customers. The strength of the international business lies in its ability to tailor its products to meet unique dealer needs, consumer preferences and national requirements in local markets. Latin American country operations include Brazil, Chile, Colombia, Mexico, and Peru.

About the role

This position is responsible for Floor Plan, Lease Rental and Loans credit lines management as a leadership, mitigate risk, protect GMF assets and avoid losses, managing the commercial customers portfolio, assuring deadlines compliment over controls and leadership processes, formalization and update of Floor Plan, Lease Rental and Loans agreements/documents/securities, ensuring that credit review contingencies are feasible/relevant to grant credit, monitoring customers performance through balance sheet, P&L, cash flow and other sources such as Brazilian Central Bank / Credit Bureau, preparing/participating/presenting meetings with Customers, GMB, CLC and Sales teams providing a high level of service. As a leadership this position is also responsible to work closely the team, encouraging, engaging, developing people, following up performance and providing timely feedback.

What you need

Business, Economy or Accounting;

English – advanced reading and writing and intermediary speaking;

Professional experience in Captive Bank.

Good communication and interpersonal skills;

Experience to analyze company's financial figures based on financial statements;

Advanced knowledge in MS Office mainly Excel – Macro and VB is a plus;

Ethical profile demonstrating discretion due to handling of sensitive data;

Priority management and multitasking capabilities;

Proactivity, dynamism, capacity to work under pressure.

What you will be doing

Supporting the Sales Team on business development while ensuring the appropriate risk-return adjustments, acting as a liaison among Dealers, Sales and Risk;

Supporting the Team on the advisory and support of Dealers/Lease Rental customers in the development of business plans and floor plan related procedures;

Providing recommendations for permanent and temporary increases in credit lines to the Top Approval Authority;

Oversight and approval of credit line changes in the respective GMB/GMF systems;

Ensuring Credit Review Contingencies are feasible/relevant to grant credit;

Ensuring proper formalization of agreements/contracts/securities with the support of Legal Department;

Preparing/participating in meetings to present credit review results for Dealers and Lease Rental customers;

Participating in meetings with GMB to talk about Dealers;

Presenting GMF Leadership in monthly Risk & Opportunity Meetings and Risk Scorecard meetings;

Proposing and implementing process improvements, be engaged to innovate and promote the use of the technology to automatize the processes;

Following policies and procedures, ensuring compliance with local regulations.

What we offer

At GM Financial we want you to be the most authentic version of yourself. We take care of your work-life balance by programming wellness and integration activities, where you will strengthen your relationships with peers and contribute towards the development and wellbeing of your community, while providing you with a competitive salary and benefits. Some of our global benefits include Extended Maternity & Paternity Leaves, Personal Days & Community Investment hours.

Brazil: Additional benefits include transportation assistance, food assistance, medical assistance, gympass, life insurance and others.

#LI-MON

Disclaimer

Brazil - GM Financial is an Equal Opportunity Employer and is committed to diversity and inclusion at every level of our organization. We do not discriminate against any applicant or employee based on race, color, age, gender, marital status, national origin, religion, sexual orientation, gender identity, veteran status or disability.

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