Responsibilities
* Conduct thorough post‑decision reviews of credit applications to ensure accuracy, completeness, and strict adherence to internal credit policies, procedures and regulatory guidelines.
* Verify the integrity of data, documentation and decision‑making processes within credit files.
* Analyse credit portfolio performance data to identify trends, anomalies, potential emerging risks and areas requiring deeper investigation.
* Identify root causes of any deficiencies or non‑compliance identified during reviews.
* Evaluate the effectiveness of existing underwriting processes and controls, proposing enhancements to strengthen risk mitigation.
* Support and perform controls mandated within the eFront controls management system and by audit and head‑office directives.
* Contribute to ensuring ongoing compliance with all relevant financial regulations and internal risk frameworks.
* Participate in periodic review and revision of credit policies and procedures to reflect best practice and regulatory changes.
* Prepare clear, concise and detailed reports summarising review findings, identified risks and actionable recommendations for corrective action and process improvements.
* Present findings and insights to relevant stakeholders, including credit teams, risk management and compliance teams.
* Collaborate effectively with cross‑functional teams to discuss findings, facilitate understanding and support implementation of best practices.
* Identify opportunities for process optimisation and contribute to initiatives aimed at improving the efficiency and effectiveness of credit.
* Assist in development and delivery of training materials or sessions to promote a consistent understanding and application of credit standards.
* Stay informed about industry best practices, evolving regulatory landscapes and economic trends that could impact credit risk within the automotive finance sector.
* Share knowledge and insights with the team to foster a culture of continuous improvement and informed decision‑making.
Technical and Business Acumen
* Good understanding of credit principles, financial statement analysis and common risk assessment methodologies.
* Familiarity with credit regulations, compliance requirements and internal policies and procedures.
Analytical and Problem‑Solving
* Demonstrated ability to analyse credit files, identify discrepancies and assess risk.
* Experience with data analysis to detect trends, patterns and anomalies.
* Capable of identifying problems, contributing to root‑cause analysis and suggesting solutions.
* A keen eye for detail and accuracy in work.
Communication and Interpersonal
* Effective written and verbal communication skills for reports, presentations and providing feedback.
* Ability to collaborate constructively with cross‑functional teams and share insights.
* Skill in providing clear and helpful feedback.
Tools and Technology
* Proficiency in Microsoft Office Suite, particularly Excel.
* Familiarity with credit management systems such as OMEGA, eFront and related policy rules.
* Appetite to learn new tools.
Personal Attributes
* Ability to work independently, manage workload and show initiative.
* Collaborative team player who adapts well to a dynamic environment.
* High integrity, ethical conduct and commitment to continuous learning.
EEO Statement
Renault Group is committed to creating an inclusive working environment and the conditions for each of us to bring their passion, perform to the full and grow, whilst being themselves. We find strength in our diversity and we are engaged to ensure equal employment opportunities regardless of race, colour, ancestry, religion, gender, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, etc.
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