Senior Wholesale Risk Specialist 高级经销商风险管理专员
宝马汽车金融（中国）有限公司 BMW Automotive Finance (China) Co., Ltd.
- 公司行业：汽车及零配件 金融/投资/证券
职位信息
- 发布日期：2012-11-09
- 工作地点：北京
- 招聘人数：若干
- 工作经验：三年以上
- 学历要求：本科
- 语言要求：英语熟练
- 职位类别：风险控制
职位描述
The function owner is responsible for timely and correct approval of wholesale credit applications and the portfolio management to responsible dealers/dealer groups. Moreover, the owner takes the responsible for coaching other junior team members and double check the application of them.
Specific task:
- Independently complete dealer, especially on complex dealer, big dealer group and risky dealer, credit line application before CRC meeting, including CRS rating, financial analysis, collateral position, and credit line recommendation.
- Present dealer/dealer group application on China Risk Committees. Clarify issues raised by through Q&A, make sure timely and complete credit decision obtained.
- Lead on the application of complex dealer, big dealer group and risky dealer, and coordinate with other junior team member for timely and correct approval of such applications.
- Ensure processing of new dealer/dealer group applications and timely annual review through CRS & DIP system.
- Monitor and control dealer/whole dealer group performance, such as stock audit result and payment behavior, propose action plan to protest SF risk position. Monitor and analyze the financial performance, sales performance and PBOC records of dealers on regular basis by using of early warning instruments.
- Double check dealer application financial parts and preliminary review of Wholesale Risk Specialist's work.
- Provide support and couching to other junior team members.
- Purpose and subject of interaction with internal / external customers and key contacts.
- Independently contact co lending bank partners for credit decisions.
- Contact high management of dealers/dealer groups for dealer field visit/telephone interview for credit application review, and regular communication with dealers on all risk matters.
Qualifications:
- University degree in Accounting, Finance, Economics or related areas
- At least three years of working experience.
- Experience in commercial environment, ideally related functions of a bank or captive business.
- Experience in accounting, auditing and/or credit department is a plus.
- Strong financial analysis skills and up to date knowledge in Chinese business practice.
- Fluent in English. Good command of business writing and presentation in English.
- Competent in IT systems, including MS Office, good command of Excel.
Specific task:
- Independently complete dealer, especially on complex dealer, big dealer group and risky dealer, credit line application before CRC meeting, including CRS rating, financial analysis, collateral position, and credit line recommendation.
- Present dealer/dealer group application on China Risk Committees. Clarify issues raised by through Q&A, make sure timely and complete credit decision obtained.
- Lead on the application of complex dealer, big dealer group and risky dealer, and coordinate with other junior team member for timely and correct approval of such applications.
- Ensure processing of new dealer/dealer group applications and timely annual review through CRS & DIP system.
- Monitor and control dealer/whole dealer group performance, such as stock audit result and payment behavior, propose action plan to protest SF risk position. Monitor and analyze the financial performance, sales performance and PBOC records of dealers on regular basis by using of early warning instruments.
- Double check dealer application financial parts and preliminary review of Wholesale Risk Specialist's work.
- Provide support and couching to other junior team members.
- Purpose and subject of interaction with internal / external customers and key contacts.
- Independently contact co lending bank partners for credit decisions.
- Contact high management of dealers/dealer groups for dealer field visit/telephone interview for credit application review, and regular communication with dealers on all risk matters.
Qualifications:
- University degree in Accounting, Finance, Economics or related areas
- At least three years of working experience.
- Experience in commercial environment, ideally related functions of a bank or captive business.
- Experience in accounting, auditing and/or credit department is a plus.
- Strong financial analysis skills and up to date knowledge in Chinese business practice.
- Fluent in English. Good command of business writing and presentation in English.
- Competent in IT systems, including MS Office, good command of Excel.
公司介绍
宝马汽车金融（中国）有限公司
BMW Automotive Finance (China) Co., Ltd.
宝马集团是德国最成功的汽车和摩托车制造商之一，也是德国规模最大的制造工业公司之一。宝马集团拥有BMW、MINI和Rolls-Royce三个品牌，是世界上唯一一家只专注于高档领域的汽车制造商。作为一家跨国公司，宝马集团在全球13个国家拥有24个生产基地，并在超过140个国家拥有销售网络。2010财年，宝马集团的全球汽车总销量约146万辆。集团总收入达604.77亿欧元。截至2010年12月31日，宝马集团在全球的员工总数为95, 453名。
BMW 金融服务是宝马集团的一部分，在全球超过50个国家和地区开展业务，是世界上最大的汽车金融公司之一。其愿景是：作为一家全球性、盈利性的尊贵金融服务提供商，为BMW全球第一的战略目标做出最大贡献。
宝马汽车金融（中国）有限公司由德国宝马股份公司与华晨宝马汽车有限公司共同出资，于2010年正式成立，旨在为宝马集团经销商及集团客户提供高端金融产品及服务，推动宝马集团业务发展。宝马汽车金融（中国）有限公司通过“一站式 ”购车及贷款服务，让集团客户在选择金融产品的同时体验到公司的贴心服务；同时，公司还通过即将正式开展的保险及信用卡等业务，拓宽服务范围，丰富产品内容，力求为集团用户提供全方位的金融体验。
The BMW Group is one of the most successful manufacturers of automobiles and motorcycles in the world with its BMW, MINI and Rolls-Royce brands. As a global company, the BMW Group operates 24 production facilities in 13 countries and has a global sales network in more than 140 countries. The BMW Group achieved a global sales volume of approximately 1.46 million automobiles for the 2010 financial year. Revenues for 2010 totalled euro 60.477 billion. At 31 December 2010, the company employed a global workforce of 95,453 associates.
As a member of BMW Group and having business in over 50 countries, BMW Financial Services is one of the biggest auto-finance companies in the world. Being a global profitable financial services provider, the company commits itself in contributing to the group “Number One” strategy.
As a joint venture of BMW Group and BMW Brilliance Automotive officially starting business in 2010, BMW Automotive Finance (China) Co., Ltd. promotes the group business by providing with premium and professional financial services and products to BMW group dealers and customers. Through “one-stop” car purchasing and loan services, BMW Automotive Finance (China) Co., Ltd. offers not only financial products, but also intimate customer-oriented services. Meanwhile, the company makes efforts to provide convenient omnibearing services to all our customers by broadening its product line by starting new businesses, including insurance and credit card.
BMW Automotive Finance (China) Co., Ltd.
宝马集团是德国最成功的汽车和摩托车制造商之一，也是德国规模最大的制造工业公司之一。宝马集团拥有BMW、MINI和Rolls-Royce三个品牌，是世界上唯一一家只专注于高档领域的汽车制造商。作为一家跨国公司，宝马集团在全球13个国家拥有24个生产基地，并在超过140个国家拥有销售网络。2010财年，宝马集团的全球汽车总销量约146万辆。集团总收入达604.77亿欧元。截至2010年12月31日，宝马集团在全球的员工总数为95, 453名。
BMW 金融服务是宝马集团的一部分，在全球超过50个国家和地区开展业务，是世界上最大的汽车金融公司之一。其愿景是：作为一家全球性、盈利性的尊贵金融服务提供商，为BMW全球第一的战略目标做出最大贡献。
宝马汽车金融（中国）有限公司由德国宝马股份公司与华晨宝马汽车有限公司共同出资，于2010年正式成立，旨在为宝马集团经销商及集团客户提供高端金融产品及服务，推动宝马集团业务发展。宝马汽车金融（中国）有限公司通过“一站式 ”购车及贷款服务，让集团客户在选择金融产品的同时体验到公司的贴心服务；同时，公司还通过即将正式开展的保险及信用卡等业务，拓宽服务范围，丰富产品内容，力求为集团用户提供全方位的金融体验。
The BMW Group is one of the most successful manufacturers of automobiles and motorcycles in the world with its BMW, MINI and Rolls-Royce brands. As a global company, the BMW Group operates 24 production facilities in 13 countries and has a global sales network in more than 140 countries. The BMW Group achieved a global sales volume of approximately 1.46 million automobiles for the 2010 financial year. Revenues for 2010 totalled euro 60.477 billion. At 31 December 2010, the company employed a global workforce of 95,453 associates.
As a member of BMW Group and having business in over 50 countries, BMW Financial Services is one of the biggest auto-finance companies in the world. Being a global profitable financial services provider, the company commits itself in contributing to the group “Number One” strategy.
As a joint venture of BMW Group and BMW Brilliance Automotive officially starting business in 2010, BMW Automotive Finance (China) Co., Ltd. promotes the group business by providing with premium and professional financial services and products to BMW group dealers and customers. Through “one-stop” car purchasing and loan services, BMW Automotive Finance (China) Co., Ltd. offers not only financial products, but also intimate customer-oriented services. Meanwhile, the company makes efforts to provide convenient omnibearing services to all our customers by broadening its product line by starting new businesses, including insurance and credit card.