Credit Risk Manager
hace 4 meses
Novomoney es un nuevo y emocionante prestamista al consumidor y estamos buscando mejorar nuestro equipo con un Oficial de Aprobación de Préstamos con experiência.
Si buscas el reto de construir tu propio equipo a tu alrededor y la oportunidad de ascender a un nível superior en este nuevo prestamista altamente financiado y de rápido crecimiento, entonces esta es tu empresa.
Trabajarás con nuestros gestores de cartera y crearás un proceso fluido para la evaluación de créditos y los administradores de aprobaciones. Tu principal objetivo será permitir que el negocio crezca manteniendo al mismo tiempo un perfil de riesgo crediticio que satisfaga el apetito de riesgo de la empresa.
Funciones y responsabilidades:
- Promover una cultura que dé como resultado una cartera agregada de riesgo moderado a bajo.
- Establece, aplica y gestiona controles y procedimientos administrativos para proteger la calidad y rentabilidad de las carteras de préstamos.
- Gestiona la estructuración del crédito y las discusiones sobre estrategias de negociación con los gestores de cartera.
- Analiza, suscribe y aprueba/desaprueba las solicitudes de crédito y se asegura de que todas las solicitudes de crédito vayan acompañadas de los documentos y datos justificativos necesarios.
- Identifica posibles perfiles de crédito problemáticos y trabaja con los propietarios de las unidades de negocio para minimizar el riesgo de pérdidas.
- Asesora al personal, a los directivos y/o a las unidades de negocio sobre las políticas generales de préstamo de la empresa.
Si ha tenido autoridad previa para la aprobación de créditos dentro de un prestamista comercial directo al consumidor, queremos que formes parte de nuestro equipo
**Requisitos**:
- Nível de inglés competencia profesional.
- Gran capacidad de gestión y tutoría.
- Capacidad para resolver problemas e impulsar el rendimiento.
- Excelente gestión del tiempo y capacidad de organización.
- Capacidad para trabajar en un entorno de gran volumen.
- Excelente capacidad de gestión de clientes.
- Interacción profesional y eficaz con clientes, socios comerciales y compañeros de todos los níveles.
- Orientación al logro de objetivos.
- Habilidades de comunicación verbal y escrita bien desarrolladas.
- Pensamiento crítico, resolución de problemas y capacidad analítica.
- Conocimiento práctico de cuestiones jurídicas y de documentación.
¿Qué ofrecemos?
- Contrato indefinido.
- Jornada completa de lunes a viernes.
- Salario 30.000-40.000€ brutos/anuales + bonus.
- Paquete retributivo flexible.
- Excelente ambiente de trabajo.
- Posibilidad de crecimiento profesional y promoción dentro de la empresa.
- Abono gratuito al gimnasio de la empresa.
Tipo de puesto: Jornada completa, Contrato indefinido
Sueldo: 30.000,00€-40.000,00€ al año
Beneficios:
- Gimnasio en la empresa
Horario:
- De lunes a viernes
Tipos de compensaciones complementarias:
- Bonus por objetivos
Preguntas para la solicitud:
- ¿Tienes disponibilidad para trabajar de manera presencial en nuestra sede de Alcobendas?
- ¿Estás interesado/a en la banda salarial ofertada?
- ¿Qué disponibilidad de incorporación tienes?
- ¿Podrías mantener una conversación fluida en inglés? (La entrevista se realizará en inglés)
- Cuéntanos, por favor, las funciones similares realizadas anteriormente.
Ubicación del trabajo: Empleo presencial
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