Portfolio Management - Automotive Lending

Key Role

Portfolio Analysis:

Monitor and analyze the performance of the automotive lending portfolio, including loan/lease performance metrics, delinquency rates, and profitability.

Prepare regular reports for senior management detailing portfolio performance and trends.

Risk Assessment:

Assess credit risk associated with the portfolio, identifying potential issues and recommending risk mitigation strategies.

Conduct thorough credit reviews and analyses for new and existing accounts.

Strategic Planning:

Develop and implement strategies to optimize portfolio performance, including adjusting credit policies and enhancing product offerings.

Collaborate with sales and underwriting teams to ensure alignment on portfolio management strategies.

Compliance Management:

Ensure adherence to regulatory requirements and internal policies related to automotive lending.

Stay updated on changes in lending regulations and implement necessary adjustments to portfolio management practices.

Collaboration:

Work closely with cross-functional teams, including sales, underwriting, and collections, to enhance portfolio performance and customer experience.

Participate in meetings and contribute insights related to portfolio management strategies.

Continuous Improvement:

Identify areas for process improvement within portfolio management operations.

Implement best practices to enhance efficiency and effectiveness in managing the portfolio.

Qualification:

Education: Bachelor's degree in business, finance, economics, or a related field.

Minimum of 10 year of experience in portfolio management, credit analysis, or a related financial services role.

Strong understanding of automotive lending products and market dynamics.

Skills:

Excellent analytical and problem-solving skills.

Strong attention to detail and ability to work with complex data sets.

Effective communication and interpersonal skills.

Proficiency in financial modeling and portfolio management software.

Ability to work independently and as part of a team.