Full Description

Company RCI FS Ltd UK Job Description Credit File & Portfolio Review: Conduct thorough post-decision reviews of credit applications to ensure accuracy, completeness, and strict adherence to internal credit policies, procedures, and regulatory guidelines. Verify the integrity of data, documentation, and decision-making processes within credit files. Analyse credit portfolio performance data to identify trends, anomalies, potential emerging risks, and areas requiring deeper investigation. Identify root causes of any identified deficiencies or non-compliance during reviews. Risk Assessment & Compliance: Evaluate the effectiveness of existing credit underwriting processes and controls, proposing enhancements to strengthen risk mitigation. Support and perform controls mandated within our eFront controls management system and by Audit and Head Office directives. Contribute to ensuring ongoing compliance with all relevant financial regulations and internal risk frameworks. Participate in the periodic review and revision of credit policies and procedures to reflect best practices and regulatory changes. Reporting & Communication: Prepare clear, concise, and detailed reports summarising review findings, identified risks, and actionable recommendations for corrective actions and process improvements. Present findings and insights to relevant stakeholders, including credit teams, risk management, and compliance teams. Collaborate effectively with cross-functional teams to discuss findings, facilitate understanding, and support the implementation of best practices. Process Enhancement & Training Support: Identify opportunities for process optimisation and contribute to initiatives aimed at improving the efficiency and effectiveness of credit. Assist in the development and delivery of training materials or sessions to promote a consistent understanding and application of credit standards. Continuous Learning & Market Awareness: Proactively stay informed about industry best practices, evolving regulatory landscapes, and economic trends that could impact credit risk within the automotive finance sector. Share knowledge and insights with the team to foster a culture of continuous improvement and informed decision-making. KNOWLEDGE AND SKILLS Technical and Business Acumen. Good understanding of credit principles, financial statement analysis, and common risk assessment methodologies. Familiarity with credit regulations, compliance requirements, and internal policies and procedures Analytical and Problem-Solving: Demonstrated ability to analyse credit files, identify discrepancies, and assess risk. Experience with data analysis to help detect trends, patterns, and anomalies. Capable of identifying problems, contributing to root cause analysis, and suggesting solutions. A keen eye for detail and accuracy in work. Communication and Interpersonal: Effective written and verbal communication skills for reports, presentations, and providing feedback. Ability to collaborate constructively with cross-functional teams and share insights. Skill in providing clear, helpful feedback. Tools and Technology: Proficiency in Microsoft Office Suite, particularly Excel. Familiarity with the management systems (OMEGA, eFront etc) and credit scorecards and policy rules Appetite to learn new tools. Personal Attributes: Ability to work effectively independently, manage workload, and show initiative. A collaborative team player who adapts well to a dynamic environment. High integrity, ethical conduct, and a commitment to continuous learning. Job Family Sales Financing Renault Group is committed to creating an inclusive working environment and the conditions for each of us to bring their passion, perform to the full and grow, whilst being themselves. We find strength in our diversity and we are engaged to ensure equal employment opportunities regardless of race, colour, ancestry, religion, gender, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, etc. If you have a disability or special need requiring layout of the workstation or work schedule, please let us know by completing this form. In order to follow in real time the evolution of your applications and to stay in touch with us, we invite you to create a candidate account. This will take you no more than a minute and will also make it easier for you to apply in the future. By submitting your CV or application, you authorise Renault Group to use and store information about you for the purposes of following up your application or future employment. This information will only be used by Renault Group companies as described in the Group Privacy Policy. Since 1889, Renault Group has relied on a legacy of innovation and unique industrial expertise to support the profound transformation of the automotive industry. Today, our Group is transforming itself to become the European automotive benchmark on a global scale, with our three brands – Renault, Dacia, and Alpine. Faithful to our purpose, we support a sustainable business model that creates value for all our stakeholders, starting with our employees. We support our teams with the ambition of establishing a new standard of industrial excellence, innovation, and cost discipline. Driven by passion, excellence, and creativity, we are building a safer, more inclusive, and more sustainable future. To advance mobility, we are at the forefront of change.