Credit Manager - Automotive

Who are we?

A leader in auto financing, Iceberg Finance is a Fintech company that has experienced exceptional growth in recent years, notably thanks to the major acquisition of iFinance Canada in 2022. A finalist in 2022 and 2023 among the best lenders according to the Canadian Lender Association (CLA), Iceberg Finance aims to be among the top three specialized and alternative lenders in Canada in the coming year.

Job summary:

The Credit Manager is responsible for the overall management of credit risk and operational performance of Iceberg Finance's Credit Department, which operates in the automotive sector. This person plays a strategic role with the sales teams and credit analysts, ensuring a rigorous balance between business growth, portfolio quality, and operational efficiency. They actively contribute to the evolution of credit platforms, process optimization, and the integration of technological solutions that support decision-making and the customer experience.

Main responsibilities:

Sales leadership and business partnership:

- Act as the main point of reference for sales teams regarding credit policies, limits, conditions, and exceptions.
- Actively support sales growth by facilitating new customer acquisition while maintaining a controlled level of risk.
- Participate in strategic meetings with sales to anticipate needs, prepare required analyses, and contribute to business decisions.
- Foster close collaboration between sales and credit analysts to speed up decisions, reduce friction, and improve the customer experience.

Team management and credit analyst performance:

- Supervise, mentor, and motivate the team of credit analysts.
- Define, monitor, and optimize key performance indicators (KPIs), including:
- Quality of credit analyses
- Response times to sales
- Accuracy of limits and recommendations
- Individual and collective productivity
- Develop a culture of rigor, accountability, and continuous improvement.
- Implement training, development plans, and structured performance evaluations.
- Identify opportunities to optimize processes and workload.

Technological development and system improvement:

- Actively participate in projects to develop and improve credit platforms and tools.
- Collaborate with IT teams to:
- Define functional requirements.
- Validate proposed solutions.
- Test new features.
- Identify and correct operational anomalies.
- Coordinate and/or conduct user acceptance testing (UAT) prior to production rollouts.
- Monitor technological developments in order to continuously modernize credit practices and systems.

Credit risk and process management:

- Oversee customer creditworthiness assessments and periodic credit limit reviews.
- Ensure strict enforcement of credit policies, internal standards, and compliance requirements.
- Identify emerging risks within the portfolio and recommend appropriate mitigation measures.

Internal collaboration and strategic contribution:

- Work closely with the Finance, Operations, Customer Service, and Sales teams.
- Produce management reports, analyses, and recommendations for senior management.
- Contribute to the strategic planning of the Credit department and to Iceberg Finance's corporate initiatives.

Required skills and qualifications:

- Strong ability to influence and collaborate with sales teams.
- Leadership focused on performance and talent development.
- Excellent analytical skills and sound financial judgment.
- Advanced understanding of computer systems, credit platforms, and technological processes.
- Proficiency in Microsoft Office (Excel, PowerBI, PowerPoint, Outlook, etc.).
- University degree required.
- Excellent communication, teaching, and organizational skills.
- Very good organizational skills and sense of priorities.
- Bilingualism required (French and English).
- Experience or knowledge of auto financing.

Conditions and benefits:

- Competitive salary based on experience and market conditions.
- Comprehensive group benefits package upon hiring, including health and dental insurance.
- Employer contribution to RRSP.
- Stimulating and collaborative work environment within a rapidly growing company.
- Full-time position, 37.5 hours/week.
- Parking available.
- Gym, shower, and locker room on site.
- Opportunities for professional development and strategic impact.

Send your CV via Auto-jobs.ca.