Director of Consumer Finance

For more than 20 years we have consolidated ourselves as a leading multi latina in retail and financial services with presence in Latin America and the Caribbean, bringing well-being to millions of customers through our more than 25 commercial brands, with operations in 20 countries and more than 13,000 employees. (get to know more about us by visiting our website https: //grupounicomer. com/en/home/THE POSITIONThe purpose of this position is to provide leadership and direction with respect to the growth andmanagement of the Country’s credit portfolio.

It is responsible for strategy and policy formulation, implementation of initiatives aimed at increasing profitable credit sales and market share, while managing accounts receivable collections risk. The position is also responsible for growing a cadre of talent to effectively manage the credit businessPRIMARY RESPONSIBILITIES INCLUDE: •Provide the strategic framework for the growth of the Company’s Credit business, proactively articulating opportunities to augment Credit offerings aligned with the Company’s strategy and capitalizing on new developments within the retail sector in the Caribbean and internationally.

•Articulate and ensure the implementation of best-in-class practices on credit granting and debt collection and ensure a healthy portfolio through implementation of appropriate controls and proactive risk management, taking care to manage the regional consumer Finance function to ensure an appropriate balance between a customer-centric orientation and risk minimization. •Develop and provide the organization with appropriate Credit Policy and Strategies to achieve portfolio growth: such policies to include but not limited to credit mix and delinquency management. •Harness and contribute retail credit knowledge to the Company’s information technology initiatives at the regional and corporate levels.

•Provide leadership on implementation of appropriate systems and structures within local Credit departments to ensure effective management of the credit portfolio and overall operational excellence.

•Ensure the highest level of ethical practices and standards in-line with the Company’s core values and Code of Ethics and that business processes are imbued with these core values and ethical standards of the CompanyREQUIREMENTS•Minimum five (5) years' experience in credit management within a large consumer financing environment•Tertiary level education, preferably a master's degree in business administration or finance management•Proven record of accomplishment in application of credit granting and debt collections practices to maximize portfolio performance•Literacy in computing, internet, and office applications (spread sheets, etc.

) and exposure to credit granting systems•Strong interpersonal and communication skills, written and oral; being able to deliver effective presentations, influence decisions and outcomes•Strong management skills and the ability to think outside of the box•Strong analytical, having ability to analyze and interpret financial data and make appropriate recommendations and decisions•Strong problem-solving and business development mind-set; demonstrating the capability to formulate and implement improvement and growth strategies•Strong organizational and monitoring skills•Team player and effective team builder•High personal integrity and strong work ethic•Self-starter, able to work independently•Able to travel