Credit Analyst

Short company description

ALD Automotive & LeasePlan unveil Ayvens, our new global mobility brand which unites the two companies together under a single common brand. This new brand represents another strategic milestone in the company’s development to become the leading global sustainable mobility player.
With over 3.3 million vehicles managed across more than 44 countries, we provide full-service leasing, flexible subscription services, fleet management services and multi-mobility solutions to customers of all sizes, including large corporates, SMEs, professionals, and private individuals.
At ALD Automotive | LeasePlan, we believe that our success is driven by our commitment to customer satisfaction. Our team is dedicated to delivering innovative solutions and technology-enabled services that help our customers focus on their everyday business. In everything we do, we’re guided by the principles of authenticity, curiosity, commitment, and collaboration. We aim to foster an organization that's diverse in people and ideas, where everyone can thrive and be themselves, no matter who they are.
ALD Automotive | LeasePlan will rebrand to Ayvens across all 44 countries by 2025.

Requirements

- Strategic thinker with a focus on driving results and continuous improvement.

- Excellent communication and interpersonal skills, with the ability to influence and negotiate effectively at all levels of the organization.

- University degree/diploma (e.g. in Law, Economics etc)

- Knowledge of MS Office suite

- Experience in the Finance and Banking industry environment is a plus

- Minimum 2 years of experience with a financial institution or equivalent detailed process (preferably in the Credit Analysis/ Risk Analysis/ Lending area)

- Fluent in English written and spoken/ Any other language spoken is a plus

Responsibilities

- Analyze the credit requests from Ayvens Group entities’ and ensure that is compliant with all relevant regulations and company policy

- Analyzing data from multiple sources and files according to the quality agreements

- Ensure quality of the analysis made for credit requests, regarding the risk associated with the client from a creditworthiness perspective

- Ensure to receive quality and complete documentation for each credit request

- Support Risk and Sales teams for continuous improvement

- Understand and demonstrate proficient use of system tools and procedures

- Request additional documentation from Sales teams to ensure clarity and consistency for recommendation/decision

Give feedback to Ayvens Group entities for improvements on credit process

- Ensure high quality standards for the analysis of all the credit requests received,

- Provide technical support/ training to the teams, with the required frequency, so that the Credit process is performed in an efficient, high quality and professional manner

- Maintain the risk analysis updated as per the latest procedural/ policy changes

- Propose improvements to the Risk process as per the knowledge gathered from other Ayvens Group entities,

- Preparation of analyzed credit requests reporting to stakeholders, with the given frequency or whenever requested

Other info

- 25 days of annual leave;
- 1 sick day/year;
- 1 day off for your birthday;
- Family Private healthcare subscription at Sanador/Regina Maria ;
- Life Insurance(BRD)
- Monthly budget in Benefit Platform;
- Holiday gifts for Easter, Christmas through Benefits Platform;
- Loyalty bonus at 3 and 5 years seniority in company;
- Special events bonus (marriage, child birth, other);
- Opportunities and trainings for ongoing professional growth and career advancement;
- Hybrid work setup - 3 days/week in the office (Timpuri noi metro station);
- Discounts for dental care from Edent clinic;
- Massage in the office on Tuesday, Wednesday and Thursday