Division Head of Credit




    • Development of appropriate Credit and Collections policies & procedures which are aligned to corporate directives, business strategies and current economic conditions.
    • Develop the strategic plan for Credit and Collections and Portfolio Management which meets the company’s objectives.
    • Develop innovative and profitable credit products
    • Coordination and liaison with Marketing, Buyers and Operations Divisions to implement successful credit campaigns and promotions 
    • Develop and enhance existing MIS to support Credit, Collections and Portfolio Management in a robust manner
    • Develop and implement goals, objectives and KPIs across the Division in line with corporate objectives
    • Review collection MIS to ascertain status of collections and to evaluate effectiveness of current collection policies and procedures.
    • Continually measure and evaluate existing customer payment performance to validate appropriate credit products and policies
    • Evaluating and optimizing existing tools for risk management and fraud detection. This includes evaluation of scorecard and best practices.
    • Analyzing and understanding of historical data and customer history data for identifying specific risk characteristics and trends aimed at reducing losses while protecting top line sales and company’s profitability
    • Innovating key initiatives around portfolio management including: risk model development and deployment, trend analysis techniques and system requirements, documentation and processes necessary to support this
    • Working with the Operations Division to acquire new customers and grow credit sales in a profitable manner and to address any potential risk areas jointly 
    • Overseeing the implementation of new risk controls, assessing their results, and assisting in operational fine-tuning of risk controls.
    • Working closely and providing coordination between Systems team and operations teams to drive key process improvements.
    • Assisting in strategic decisions related to the company
    • Supports Internal Audit for compliance and development of risk management in your division.
    • Ensures articulation of company’s desired image and position and assures consistent communication both internally and externally.
    • Maintaining a highly productive, experienced and motivated organizational culture within the Division/Company consistent with the Company’s core values utilizing effective Management/Leadership tools (performance measurement, skills assessment and training, process training).
    Job Requirements :
    • Bachelor's degree or Professional qualification required
    • At least 6 to 10 years of relevant working experience
    • Strong knowledge of credit, risk management  and portfolio management
    • Thorough understanding of credit and collections
    • Strong tactical execution, systems, analytical skills, interpersonal and communication skills required
    • Self-driver, entrepreneurial skills and results orientated
    • Fluent in English & Computer Literate
    • Placement in BSD

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    Courts Mega Store Blok G-03, Q-Big Mall Jl. BSD Raya Utama, Lengkong Kulon, Banten, Indonesia

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