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POSITION DETAIL
Title: Credit Analyst
Credit assessment and credit underwriting of Retail customers in the Passenger Car segment and project management (or project co-lead with manager). The credit risk assessment includes a full understanding of the borrower's group structure and the comprehensive analysis of the borrower's business and financial performance in terms of business strategy evaluation, profitability, cash flows, liquidity, leverage, stability and other analysis. The credit assessment and the respective analysis should be written in Japanese and shall comply with local credit policy.
JOB DESCRIPTION
-Perform credit assessment of Retail customers
-Analyze customer's business and financials (P&L, liquidity, cash flows, B/S structure, funding strategy etc.)
-Assess collateral risk
-Underwrite the result of analysis and decision in a system in Japanese
-Communication of the credit decision to call center team and RMs
-Negotiation with external providers of credit information
-Explain the rationale of credit decision recommendation to higher approval levels regularly (Senior analyst, Manager and Head of Credit)
-Contribute to further enhancements and re-design of credit assessment processes for digitalization, automation and increase of Dealer/Customer satisfaction
-Lead and/or contribute to credit related projects on local, regional and global level.
-Team building and people development of junior members
CAREER PATH
-Analyst position of retail credit and project management position in Credit Ops
-After working for a few years in this position, the position holder has a possibility to learn dealer/fleet credit and support the credit assessment
Qualifications ????
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REQUIREMENTS
1. Education & work experience
-A university degree in business administration, finance, economics, statistics or equivalents are desirable, but not required. We rather prioritize work experiences and motivation.
-At least 3 years of credit underwriting experience in the credit area of banks / financial institutions/ credit rating agencies/ financial service provider etc.
-Understand of financing related Japanese laws (Money lending, installment credit etc.)
-Knowledge in automotive industry is preferred but not mandatory
-Project management experience
2. Technical Knowledge
-Japanese: Native level
-English: Advanced level in reading, writing and speaking, preferred. Or strong willing to learn and write/speak in English
-MS Office: Intermediate
3. Desirable person
-Advanced financial analysis competency to make accountable credit decisions
-Analytical, Logical thinker
-Active participation and contribution to new initiatives and smooth communication inside and outside the company
-Ability to work customer oriented
-Strong willing to learn and communicate in English
-Customer oriented and willing to go extra miles
-Willing to enjoy challenges, changes and diversified working environment
4. Working style/ culture
-Hybrid work model – at Office (7-10 days / month) or home. Trainings will be conducted in office.
-Shift work including week-end and national holiday
-Focus on outcome and business value regardless of onsite or remote presence
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