Corporate Credit Allocation Supervisor

Koc Finansman A.S.; Fatih; On-site; TRY 240,000 - 360,000; Full time

Benefits offered by this job

Private health insurance

Flex benefits package

Sports club in campus

Online psychologist and dietician

Birthday leave

Job summary

Koç Finansman A.S., part of Koç Group, invites candidates for the Corporate Credit Allocation Supervisor role to join our team. You will evaluate credit applications, prepare credit files for the Credit Committee, and drive process improvements with an emphasis on automation.

The ideal candidate has 4–6 years in commercial credit, strong MS Excel skills, data-driven mindset, good English (B2), and the ability to lead change and collaborate across functions.

Qualifications

• Bachelor’s degree in a relevant field; Master’s preferred
• 4–6 years experience in commercial credit assessment/allocation within Banking/Finance
• Knowledge of heavy commercial vehicle, fleet vehicle financing, and vehicle leasing markets
• Expertise in balance sheet and financial analysis
• Customer-oriented, innovative, able to lead change and foster collaboration
• Strong problem-solving, decision-making, communication, and presentation skills
• Strong negotiation, persuasion, and influencing skills
• Ability to take ownership and initiative
• Advanced MS Office, especially Excel
• Data-driven approach to work
• Experience using and interpreting KKB and Memzuç data
• Budgeting and project plan tracking skills
• Willingness to work with agile methodologies
• Good command of English (min. B2)

Responsibilities

• Evaluate credit applications within authorization limits and align with company objectives
• Assess and allocate customer credit applications considering targets, risk and portfolio growth
• Prepare and present credit files to Credit Committee/senior approval authority
• Provide recommendations for credit assessment policies and scoring models; participate in system development projects
• Contribute to automation and efficiency in credit processes with cross-team collaboration
• Monitor market/sector developments to inform disbursement policies and early warning systems
• Conduct credit intelligence assessments for high-risk customers and inform Credit Committee

Skills

Credit analysis

Financial statement analysis

Negotiation

Presentation skills

Education

Bachelor’s degree

Master’s degree

Tools

MS Excel

KKB data

Memzuç data

Job description

Koç Finansman, a financing company operating within Koç Group, invites candidates to apply for the position of “Corporate Credit Allocation Supervisor” and join our team.

Koçfinans is a Ford Otosan subsidiary and a financing company that invests in technology through its Software R&D Center, works with agile methodologies, and develops products and services to increase sales volumes in the consumer and commercial lending businesses.

If you would like to join us on this exciting journey, you can find the areas of responsibility and job description below.

Roles and Responsibilities:

• Evaluate credit applications within the scope of authorization limits in a way that delivers results aligned with company objectives,
• Assess and allocate customer credit applications in line with expected targets, taking into consideration credit volume targets as well as existing and potential risks, thereby contributing to the growth of the company’s credit portfolio,
• Prepare and present relevant credit files to the Credit Committee/senior approval authority,
• Provide recommendations for the development of credit assessment and portfolio management policies as well as credit rating/scoring models, and take part in related system development projects,
• Contribute to the execution of corporate credit processes with maximum automation, high quality, and efficiency by working in coordination with relevant Teams on process improvement initiatives,
• Closely monitor market and sector developments to provide input for credit disbursement policies, proactively identify measures required to prevent granted loans from becoming problematic, and contribute to the establishment of early warning systems,
• Conduct up-to-date credit intelligence assessments for customers experiencing payment difficulties or high-risk customers with assigned limits, work in coordination with Sales & Marketing and Risk Monitoring units, and inform the Credit Committee accordingly.

Qualifications:

• Minimum Bachelor’s degree, preferably with a Master’s degree in a relevant field (Business Administration/Economics/Engineering/Econometrics or equivalent),
• Minimum 4-6 years experience in commercial credit assessment/allocation within the Banking or Finance sector,
• Knowledge of the heavy commercial vehicle, fleet vehicle financing, and vehicle leasing markets, with experience in assessing related credit applications,
• Expertise in balance sheet and financial analysis,
• Customer-oriented, innovative, able to lead change and foster collaboration,
• Strong problem-solving and decision-making, communication, and presentation skills,
• Strong negotiation, persuasion, and influencing skills,
• Able to take ownership and initiative,
• Advanced proficiency in MS Office applications, particularly MS Excel,
• Data-driven approach to work,
• Experience in using and interpreting KKB and Memzuç data,
• Strong budgeting and business/project plan tracking skills,
• Willingness to work with agile methodologies,
• Good command of English (min. B2 level) .

What We Offer

• Private health insurance
• Flex benefits package
• Sports club in campus
• Online psychologist and dietician support
• Birthday leave