AutoFinancing Specialist

BYD Chile; Santiago; On-site; CLP 16,740,000 - 25,668,000; Full time

Job summary

BYD Chile is seeking a finance-focused professional to analyze credit lines and monitor utilization in line with internal policies. You will support end-to-end loan approvals with accurate documentation and collaborate with sales for solid deal structuring.

Responsibilities include AR management, dealer financing, and ensuring AML/compliance while delivering timely, insightful financial reports to management and partners.

Qualifications

• 1–2+ years in banking, underwriting, credit operations or retail finance.
• Experience with loan processing or dealer financing is a strong plus.
• Strong ability to interpret financial data and assess credit risk.
• Proficient in MS Excel and Word; familiarity with lending platforms is desirable.

Responsibilities

• Analyze customer credit lines and monitor utilization in line with policies.
• Support end-to-end loan approvals with accurate documentation.
• Partner with sales to provide financial insights for deal structuring.
• Manage AR, reconcile with financial partners and dealers, and track payments.

Skills

Credit operations

Underwriting

Financial analysis

Excel

Dealer financing

Communication

Education

Bachelor's degree in Finance

Tools

Microsoft Excel

Microsoft Word

Lending platforms

Job description

Analyze customer credit lines, monitor utilization ratios, and validate eligibility in line with internal credit policies and partner bank requirements.

Support the endtoend loan approval process, ensuring accuracy, timeliness, and proper documentation across all financing transactions.

Partner with sales teams to provide financial insights that support deal structuring and conversion.

AR Management, follow up payment from invoices issues to Financial partner and dealers

Dealer Performance & Financial Incentives

Track dealership financing performance, including volume, approval rates, and portfolio quality metrics.

Calculate, validate, and administer dealer commissions, bonuses, and incentive payments related to creditbased sales.

Reconcile financial data with banking partners to ensure accurate compensation and reporting.

Stakeholder & Dealership Management

Act as the primary financial liaison between the company, auto dealers, and lending institutions.

Resolve credit application exceptions, documentation gaps, and approval bottlenecks efficiently.

Provide guidance to dealerships on credit requirements, financial documentation, and process optimization.

Risk, Compliance & Controls

Ensure strict compliance with vehicle financing regulations, bank secrecy laws, and AntiMoney Laundering (AML) policies.

Support internal controls, audits, and regulatory reviews by maintaining accurate financial and credit records.

Identify potential risk indicators and elevate issues in line with compliance standards.

Prepare and maintain periodic performance and financial reports for assigned dealers and management.

Analyze trends in credit utilization, dealer productivity, and financing outcomes to support datadriven decisions.

Deliver clear, actionable insights that contribute to operational efficiency and portfolio quality.

Qualifications & Profile

Experience: 1–2+ years in banking, underwriting, credit operations, retail finance, or customer-facing financial roles; experience with loan processing or dealer financing is a strong plus.

Financial & Analytical Skills: Strong ability to interpret financial data, assess credit risk, and work with performance metrics and reconciliations.

Communication Skills: Professional verbal and written communication skills, with the ability to engage both internal teams and external financial partners.

Technical Skills: Proficient in Microsoft Excel and Word; experience with financial systems, lending platforms, or credit management tools is desirable.

Education: Degree in Finance, Business Administration, Economics, or a related field preferred (but not required).