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Country Retail & Portfolio Manager - Commercial and Retail Lending

commercial lending, retail lending, financing
Our client is a global manufacturer of a diverse range of commercial and off-road vehicles. The company operates production facilities around the world and offers comprehensive technical support through its extensive network of sales and service outlets.

We are seeking a dynamic and strategic leader for the position of Country Retail & Portfolio Manager, who will lead the team responsible for the area of retail and commercial lending (mainly heavy transport, construction machinery and agricultural machinery).

Responsibilities:

1. Commercial Lending

The goal of this role is to manage the commercial lending receivables portfolio in the Polish market, applying the Financial Services Strategy and priorities. Provide financing and lending solutions to dealers, generate third-party income, maintain portfolio quality, and achieve profitability targets. Ensure good service levels to the dealer network and all brands. Manage the Commercial Lending financing program.

  • Defining lending terms and pricing offerings for dealers
  • Managing credit limits for dealers
  • Updating dealer accounts and monitoring their performance
  • Cash collection
  • Monitoring dealer behaviour and their financial condition
  • Achieving key performance indicators (KPIs)
  • Reporting and communication

2. Retail Lending

Offering retail financing solutions to customers of brands, in order to support the sales by the brands and in order to support the development of the customer business.

  • Understand the customer's business, their equipment purchasing needs and the financing opportunities relating to this
  • Understand the brand’s strategy, and support this strategy by offering retail financing solutions
  • Work with the brand teams in order to support their commercial potential by defining retail financing campaigns and communications
  • In coordination and collaboration with the brands, keep contact with customers and dealers in order to define and respond to financing opportunities
  • Continuous contact with the financing partner in order to monitor the funding, pricing and margin impacts of the retail business and portfolio
  • Continuous contact with the financing partner in order to monitor the portfolio performance, to minimize the risk cost and to help intervene in case of any payment defaults

Requirements:

  • 8+ years of experience in the financial industry gained in a leasing company or with a manufacturer
  • Experience in managing sales teams and building engagement
  • Experience in cooperation with dealers/brands
  • Ability to develop business strategies
  • Experience in presentations and interactions with clients/dealers
  • Experience in project/program management with large global customers
  • Experience in account management and ensuring portfolio quality
  • Willingness to travel for business
  • Very good communication and written skills in Polish and English
  • Higher education (preferably in finance, economics, business management or related)

Our Client offer:

  • Independent developing managerial position and real impact on business development strategy in financing solutions (leasing, credits, stock financing, factoring)
  • Friendly, international, inspiring atmosphere and helpful team
  • Attractive base salary
  • Sales Incentive Program
  • Company car and other work tools
  • Hybrid model work (at least 8 days a month working in the office in Płock)
  • Employee benefits: private medical care, employee pension program, social fund benefits

Hays Poland sp. z o.o. is an employment agency registered in a registry kept by Marshal of the Mazowieckie Voivodeship under the number 361.

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Summary

Job Type
Permanent
Industry
Manufacturing & Production
Location
Plock
Specialism
Financial Services
Ref:
1192942

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