Auto Finance Credit Manager

ADIB Group; Abu Dhabi; On-site; AED 293,000 - 368,000; Full time

Job summary

A leading financial institution is seeking an Auto Finance Credit Manager in Abu Dhabi. This role involves managing the credit offered to customers, overseeing the entire lending process, and ensuring compliance with company policies. The ideal candidate will lead a team, achieve performance targets, and maintain a high-quality portfolio. Significant experience in decision-making and leadership is required to succeed in this role. Strong communication and training skills will also be crucial.

Qualifications

• Demonstrated leadership skills and ability to manage a team.
• Strong decision-making capabilities in financial assessments.
• Experience managing credit processes.

Responsibilities

• Manage credit offered to customers and oversee the lending process.
• Ensure timely processing of finance applications.
• Lead the team to meet performance targets and error rates.

Skills

Leadership

Decision making

Managing and planning

Job description

Auto Finance Credit Manager

Location: Abu Dhabi

Role Purpose: Manage credit offered to customers; oversee the entire lending process including the initial application, the underwriting, the disbursal or denial of the request and after sale.

Key Accountabilities of the role

Financial Goal

• Accurate Decision of finance applications toward achieving maximum 2.5% error rate as measured by the daily report and scorecard. Error is defined as violation to policy and parameters or inaccurate analysis.
• Underwrite min. 70 applications as average daily target as set by management and reflected in the scorecard and measured against the actual number of cases processed in the daily report.

Customer Goals

• Handling all internal and external customers complaint positively and promptly as measured against number of complaint and timely resolution.
• ADIB HR guidelines and ADIB ethics code obedience e.g. Confidentiality Attendance Dressing Code Sharia Morals etc.
• Lead the assigned team to process 100% of all finance applications proposed in FinnOne within the same day as measured against SLA and daily report.

People Goals

• Demonstrate leadership skills by leading the assigned team toward achieving goals set by management in terms of meeting performance targets and error rates as measured by the scorecard.
• Set regular Training to the assigned team on policy and conduct annual self-assessment Quiz. Conduct at least 3 formal training programs and ensure a monthly evaluation for all staff with score and rating signed by staffs.

Governance & Controls Goals

• Provide Quarterly Feedback to P&P on markets trends and contribute toward revising criteria and parameters as and when required.
• Provide Min 4 Valuable suggestions to improve work process.

Results Required

• Support business in achieving monthly budget & targets while maintaining highest quality portfolio.
• Additional support to business in capturing customers within acceptable parameters without violating CB regulations.
• Contribute positively to the daily underwriting activities.
• Improve communication branches and DSUs as being internal customers.
• Provide constructive comments and feedback on proposed finance applications.
• Compliance of policies & procedures Comply and perform Key operational controls as required in ADIBs polices & procedures in day-to-day operations.

Specialist Skills / Technical Knowledge Required for this role

Leadership excellent knowledge of products decision making managing & planning.

Required Experience

Manager