Credit Operations Lead

ALJ has been operating in different sectors such as automotive, financial services, real estate, energy, engineering and production, consumer products, media and advertising in 5 continents and more than 30 countries with its 15,000 employees since 1945. ALJ has been the distributor of Toyota and Lexus brands for many years, is the largest independent distributor of the Toyota Group in the world, striving for leadership in every market it enters. Our Jameel Principles; Respect, Improve, Pioneer and Empowerment aims to develop the experiences of our employees. These principles are the bases and essence of everything we do and we put people at the core of everything we do. We're an equal opportunity employer. All applicants will be considered for employment without attention to race, sex, color, national or social origin, ethnicity, religion, age, pregnancy, disability, sexual orientation, gender expression, or political opinion.

Now, we are looking for a Credit Operations Lead who will be responsible for managing financial and operational processes, driving continuous improvement in operational efficiency, and ensuring effective credit risk management in line with company policies and business objectives.

In this role, you will be responsible for effectively managing operational activities, continuously improving processes, and sustainably enhancing operational performance. You will also play an active role in implementing and developing credit policies, ensuring effective risk management, and guiding the relevant teams towards achieving business objectives.

1. Main Qualifications

• Bachelor’s degree in a relevant field.
• At least 10 years of experience in operations, credit, or related processes within financial services, banking, financing, leasing, factoring, or similar industries.
• Advanced level of English proficiency, both written and spoken
• Proven experience in managing financial processes and operational workflows.
• Knowledge and experience in credit policies, credit assessment processes, and risk management.
• Proven experience in monitoring, analyzing, and improving operational performance.
• Knowledge of applicable legislation and regulatory requirements.
• Experience in team management and leadership.
• Strong analytical thinking, problem-solving, and decision-making skills.
• Ability to take a holistic view of processes and collaborate effectively with cross-functional teams.
• Strong planning, organizational, and prioritization skills.
• Proficiency in MS Office applications.

2.What will you be doing?

Operations and Process Management

• Ensure that business processes under the role’s responsibility are carried out in compliance with applicable legislation, company policies, and procedures, while maintaining effective collaboration with relevant departments.
• Identify opportunities to improve the effectiveness, efficiency, and agility of operational processes, coordinate the necessary actions, and monitor their outcomes.
• Regularly monitor operational performance indicators, analyze results, and develop the necessary action plans.
• Ensure that operational and credit assessment processes are carried out in accordance with established policies and authorization limits.
• Support initiatives aimed at enhancing operational systems and infrastructure and ensure coordination with relevant stakeholders.

Credit Policies and Risk Management

• Monitor the currency and effectiveness of the company’s credit policies and prepare proposed amendments, where necessary, for submission to the Risk Committee through the relevant processes.
• Assess the alignment of credit policies with current business needs and economic conditions, coordinate analytical studies, and ensure that necessary actions are taken based on the results.
• Monitor the portfolio risk targets established by the company and support the alignment of credit assessment policies with these targets.
• Monitor the effectiveness of credit assessment systems (PCSM) and scorecards, collaborating with the Risk Management and Decision Support teams on analytical reporting and development initiatives.
• Support the evaluation of proposed enhancements to credit policies and systems through the relevant decision-making mechanisms.

Collections and Customer Services

• Ensure that Collections and Customer Services processes are managed effectively in line with the company’s strategies and objectives.
• Analyze collection performance and customer service processes, identify opportunities for improvement, and coordinate the necessary actions.
• Support initiatives aimed at enhancing the systems infrastructure for Collections and Customer Services.
• Regularly monitor and evaluate operational results and implement actions to improve performance.

Team Management and Collaboration

• Ensure that the teams under the role’s responsibility operate effectively and efficiently in line with company objectives, establish work priorities, and coordinate the allocation of tasks.
• Foster team motivation, collaboration, and a working culture aligned with company values.
• Identify employees’ professional development needs and support appropriate training and development activities.
• Contribute to the preparation of the budget within the role’s area of responsibility in line with company objectives and business needs, and monitor budget utilization.
• Manage performance, communication, and process improvement activities with relevant business partners and vendors in coordination with the respective departments.
• Contribute to innovative projects and process improvement initiatives that support the company’s competitiveness and operational effectiveness.

3. Desired Characteristics

• Respect: Respect, which is one of our most important values.

‘We as ALJF Turkey accept somebody for who they are, even when they're different from us or we don't agree with them.’

• Humble: respectful, receptive, agile, eager to learn
• Transparent: shares critical information, speaks with candor, contributes constructively
• Focused: quick learner, strategically prioritizes work, committed
• Reliable and responsible
• Proactive and solution-oriented
• Strong initiative and results orientation
• Effective communication and stakeholder management skills
• Strong team player with a collaborative approach

4.Benefits

• Working in a Hybrid working environment;
• Office for 10 days in a month and
• A career in Turkey’s pioneer financial services company with the opportunity to work closely with leaders in the sector.
• Being part of a company that implements its sustainability vision at all levels and works determinedly to contribute to a more livable future
• Chance to work and cooperate with colleagues in various projects, benefiting from know-how and idea exchanges to pursue global leadership.
• A global orientation program to immerse you in ALJ Finans’ spirit and also accompanied by an assigned Buddy to assist you with anything you might need.
• Comprehensive private health insurance and life insurance.
• Various paid leaves such as birthday, first day of school and 15 days of advance leave within the first year of a new joiner.

“The job applications will be taken and processed automatically within the scope of Personal Data Protection Law (KVKK in Turkish). Please click to review the detailed information. https://www.aljfinans.com.tr/Default.aspx?pageID=36&srch=KVKK By applying for this job, we would like to inform you that you have agreed to include your resume in our database.”